Your first home, without the guesswork.
We work out what you can borrow, which government schemes you qualify for and which lender fits. Then we handle the application, all the way to the keys.
Who this is for
First home buyers
Buying for the first time and want someone to explain each step, the real costs and the schemes you can use.
Next-home buyers
Upgrading, downsizing or relocating, and need your new loan lined up with selling the old place.
Getting back in
Returning to the market after renting, a career break or a change in circumstances.
Things to know before you buy
The parts most people don't hear about until they're already stressed. We'll put real numbers on each one for you.
Upfront costs
Beyond the deposit, budget for stamp duty (if it applies), conveyancing, building and pest inspections, and lender fees.
Help for first home buyers
- 5% Deposit Scheme: buy with as little as 5% deposit and no lenders mortgage insurance. Price caps apply.
- First Home Owner Grant (SA): $15,000 towards a newly built home.
- Stamp duty relief (SA): first home buyers of a new home, or land to build on, may pay no stamp duty.
- First Home Super Saver Scheme: use voluntary super contributions towards your deposit.
Pre-approval
A pre-approval tells you roughly how much a lender will lend, so you can make offers and bid at auction with confidence.
Your deposit
Most lenders look for 20% to avoid lenders mortgage insurance (LMI). With less, LMI usually applies, unless a government scheme or a family guarantee covers it.
Eligibility rules apply and government schemes change. We'll check exactly what you qualify for when we talk.
What happens next
From first chat to front door, here's the path. We're with you at every step.
- A free chatWe talk through your income, savings and plans. No paperwork needed yet.
- Work out your numbersBorrowing power, upfront costs, and which schemes you qualify for.
- Compare and pre-approveWe shortlist lenders and arrange pre-approval so you can shop with confidence.
- Find your homeMake offers knowing your limit. We're a phone call away if questions come up.
- Approval to settlementOnce you've signed a contract, we finalise the loan and stay with you until you have the keys.
How much could you borrow?
Move the sliders for a rough guide. Nothing is saved or sent.
General information only, not a credit offer. Estimate uses 2026–27 tax rates plus the 2% Medicare levy, and tests repayments at your rate plus a 3% buffer, as lenders do. Each lender assesses differently, and your real figure could be higher or lower.
How much deposit do I need?
It depends on the lender and your situation. Eligible first home buyers may be able to buy with as little as 5% deposit and no lenders mortgage insurance through the Australian Government's 5% Deposit Scheme. Property price caps apply, and we'll check what you qualify for.
Does it cost me anything to use a broker?
In most cases, no. Lenders pay brokers a commission when a loan settles. If a fee ever applies to your situation, we'll tell you upfront and in writing before you commit.
Will getting pre-approval affect my credit score?
A pre-approval application involves a credit check, so we only lodge one when you're ready and with a lender that suits you. We'll always tell you before anything is lodged.
Can my parents help?
Often, yes. Some lenders allow a family guarantee, where a parent uses equity in their own home to secure part of your loan. It's a big decision for everyone involved, and we'll walk you through how it works.
Let's find your loan.
Tell us a little about what you're planning. We'll call you back to talk it through, with no obligation.
Thanks, .
We've got your details. Vikram will call you within one business day to talk it through.