Your first home is closer than you think.
We cut through the confusion, find the right loan, and guide you from "where do I start?" to keys in hand.
WHO WE HELP
First home buyers who want a real path to property ownership.
It’s the Australian dream. But its confusing, daunting, and feels out of reach. After years of saving years for a deposit, property prices just rise again.
And even when you’re when you’re ready to bid, you lose out at an auction to a cashed up investor. The system feels against you. We get it.
That's where we come in. We cut through the confusion of LMI, different schemes, and auction tactics.
We'll also map out different scenarios with you. What does borrowing $50k more look like? What if you waited another 6 months? No jargon. No runaround. Just a clear picture of your options and a path forward.
Read our blog on the 6 steps to becoming a first home buyer.
DID YOU KNOW
The information worth knowing
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Most know about the 5% Deposit Scheme. You skip Lenders Mortgage Insurance. Places are limited each financial year, so it's worth knowing if you qualify sooner rather than later. But you can also buy with just 2% deposit - if a single parent, or you use the government “Help to Buy” scheme. We’ll show you the options.
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Two people with identical incomes can get very different borrowing limits depending on which lender assesses them. Policies vary significantly, on living expenses, HECS debt, existing credit cards, even the type of work you do. We know where each lender sits and who's likely to look at your situation most favourably.
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Here’s the catch. Buying with 5% is possible, but you're borrowing 95%! Which means higher monthly repayments than if you'd saved longer. Neither choice is wrong, but it's worth understanding the actual numbers before you decide. We'll show you both scenarios side by side.
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The First Home Super Saver Scheme lets you make voluntary contributions into your super and then withdraw them for a home deposit. With a tax advantage along the way. Up to $50k per person. $100k for couples. Worth a conversation if you're 6+ months out.
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Depending on your situation, your state and the property you buy, you can stack different schemes together for maximum impact. e.g. a NSW brand new home for under $750k. We'll make sure you're using everything available to you.
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The purchase price is just the start. Conveyancing, building and pest inspections, moving costs, new furniture & appliances. It adds up fast, and most people don't factor it in until they're already committed. We'll give you a full picture before you make any decisions.
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We're paid a commission by the bank so our advice costs you nothing. We’re also bound by law to always recommend what’s in your best interests.
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Even if you're 12–18 months away from buying, a 30-minute call now will tell you exactly what you need to do between now and then. Most people leave it too late and scramble. A bit of planning up front makes everything easier.
WHAT WE DO
We handle the hard parts so you can focus on finding the right first home.
Work out what you can actually borrow
We assess your full situation, giving you your real borrowing potential.
Help find you the fastest path to ownership
We show you every angle, from savings, to using your super for a deposit, rent-vesting, buying with friends, or family support strategies.
Navigate the different schemes and grants
Its complex. Many schemes, different eligibility. We make sure you get everything you’re entitled to.
Find the right loan for you
We search over 40 lenders to find the exact match. Best fit, best features and best rate for your situation.
Handle the paperwork and lender conversations
We manage the whole application, liaise with the banks, and keep things moving.
Not sure where to start?
That's exactly why we're here.
A free 30-minute first home buyer call will give you a clear view on what your path to ownership actually looks like.
No hard sell, just helpful advice to make property ownership a possibility.