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 think it’s getting harder and harder to get onto the property ladder.
It’s the Australian dream. But with property prices rampant, and costs increasing it can feel out of reach. Especially if you’re starting out in your career or freelancing.
The smashed avos, the gig tickets, streaming subscriptions, and the ‘I’ll sort it next month’. We get it.
We work with people who live like real humans and still want to own a home. We'll show you what's actually possible, and how to get onto the property ladder sooner.
Read our blog on the 6 steps to becoming a first home buyer.
We’re a different broker. We’ve lived your gig & avo life, and will give you helpful straight up advice to help get you ahead.
DID YOU KNOW
The stuff they don’t always tell first home buyers
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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 home.
Work out what you can actually borrow
We assess your full situation, giving you your real borrowing potential.
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.
We give you options
We think outside the box too. You can ‘rent-vest’, buy with friends, or get support from family to get you onto the property ladder sooner.
Not sure where to start?
That's exactly why we're here.
A free 30-minute strategy call will give you a clear picture of what you can borrow, what you need to save, and what your path to ownership actually looks like.