First Home Buyers
Your first home, without the guesswork.
Deposit targets, grants and schemes, guarantor options and a pre-approval that lenders will actually honour when you find the place.
What we sort out first
- How much deposit you genuinely need - including LMI trade-offs
- Which grants and schemes you qualify for in any states
- Whether a guarantor or family pledge shortens the timeline
- The spending and credit habits lenders will look at
How the process runs
- Discovery call - goals, timeline, income and deposit position
- Strategy and borrowing capacity across the lender panel
- Pre-approval prepared and lodged with the right lender
- Offer, formal approval, settlement and post-settlement reviews
Common questions.
How much deposit do I actually need?
Five percent is possible with the right lender or scheme, but the total cash needed also covers stamp duty and fees. We model the real number for your situation.
Does pre-approval hurt my credit file?
Every application leaves an enquiry, which is why we only lodge with a lender whose policy we've already checked you against.
Can I buy with a family guarantee?
Often yes. A limited guarantee over part of a parent's property can remove LMI entirely. We walk both parties through the risks.
Let's map your first-home pathway
A free, no-obligation 30-minute call is usually enough to know exactly where you stand and what to do next.