A clear plan
We explain deposits, lenders mortgage insurance and upfront costs clearly, so you can plan with confidence.
First home buyers
First home buyer loans, with expert guidance at every step.
Purchasing your first home involves new terminology and significant decisions. As your mortgage broker, we explain each stage of the process, assess your eligibility for available schemes and concessions, and support you through to settlement.
Secure online application. No obligation to proceed.
Who it's for
How we help
- First-time buyers
- Purchasing with a partner
- Single-income buyers
- Family assistance
- Smaller deposits
Schemes and concessions
We assess whether you may be eligible for government schemes, grants or stamp duty concessions, and how they affect your loan.
Pre-approval
We help you obtain pre-approval, so you understand your budget before inspecting properties and making offers.
Contract to settlement
From contract signing to settlement, we manage the lender and coordinate with your conveyancer.
Preparation
Documents to prepare
Documents can be uploaded securely when you apply. Your broker will confirm your lender's specific requirements.
Upfront costs to plan for
In addition to your deposit, allow for stamp duty (unless a concession applies), conveyancing, building and pest inspections, lender fees and moving costs.
- Photo identificationDriver licence or passport
- Proof of incomeRecent payslips, or tax returns if self-employed
- Savings historyBank statements showing how your deposit was accumulated
- Liabilities and expensesCredit cards, car loans, HECS-HELP and living expenses
- Gift letterIf family members are contributing to your deposit
“I was given all the information I needed for my financial situation as a single mum of two to get to the perfect position for my borrowing power.”
Questions
Frequently asked questions
What government assistance is available?
The Australian Government's Home Guarantee Scheme can help eligible buyers purchase with a smaller deposit without paying lenders mortgage insurance. State and territory governments also support some first home buyers, for example through first home owner grants and stamp duty concessions, which vary depending on where you buy.
Eligibility criteria, price caps and amounts change over time, so we confirm what currently applies to your circumstances.
What is lenders mortgage insurance (LMI)?
LMI is a one-off insurance premium many lenders charge when you borrow more than 80% of the property's value. It protects the lender, not the borrower. It can often be added to the loan, and some schemes and professions allow you to avoid it.
Can my family help me purchase?
Yes, usually through a cash gift or a family guarantee, where a family member uses equity in their own property as additional security for your loan. A guarantee carries significant risk for the guarantor, who should obtain independent legal and financial advice first.
How much can I borrow?
Borrowing capacity depends on your income, expenses, liabilities, deposit and each lender's policy. A consultation with a broker provides a full assessment. Our repayment calculator can help you estimate repayments on different loan amounts.
Does using a broker cost me anything?
In most cases you do not pay us a fee, because the lender pays us a commission when your loan settles. Our Credit Guide explains how we are paid, and we will tell you upfront if any fee applies.
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Start the conversation.
Apply online or book a consultation with a broker. We work with clients Australia-wide.