From understanding what you can borrow to navigating grants, schemes and lender requirements, we walk first home buyers through the whole process.
Borrowing power isn’t one number. It changes with deposit size, lender, loan structure, and the type of property. We give you an honest read — not a sales pitch.
Income, expenses, savings, debts. We’ll show you how lenders see your file — and where small changes can shift it.
We assess First Home Guarantee, FHOG and other state/federal supports, and explain the trade-offs honestly.
Not every bank suits every buyer. We pick lenders likely to approve your file at a competitive rate.
We coordinate valuation, formal approval and settlement — and stay in your corner the whole way.
It depends on the lender and the property type, but commonly 5–20% of the purchase price plus costs. With as little as 5% deposit, schemes like the First Home Guarantee may help you avoid Lenders Mortgage Insurance (LMI). We’ll help you map the trade-offs between buying sooner with a smaller deposit versus saving more first.
Lenders Mortgage Insurance protects the lender (not you) when you borrow more than 80% of a property’s value. It can be avoided through a larger deposit, eligible government guarantees, certain professional waivers, or family guarantees. Whether avoiding it is the right call depends on numbers we’ll work through with you.
Yes — commonly through a guarantor home loan, where a parent uses equity in their own property as security. Done well, it can help you avoid LMI and buy sooner. Done poorly, it can put your parents’ home at risk. We walk both generations through the structure carefully.
It varies by lender. Many will accept three to six months in a permanent role; some are more flexible if you’ve been in the same industry. For probation, contractors and casuals there are specific lender appetites we can match you with.
In a competitive market, pre-approval gives you confidence in your budget and signals to agents that you’re serious. We’ll arrange pre-approval with a lender that genuinely suits you — not just the first one to say yes.
