Buying your first home doesn’t have to be overwhelming

Buying your first home is a big milestone — and it should feel simple, not overwhelming. Between saving your deposit, finding the right lender, and understanding terms like LVR and pre-approval, it’s easy to feel stuck. That’s where I come in.

How I Help

  • We’ll start with a relaxed, obligation-free conversation about your plans, budget, and what you’re hoping to achieve. You don’t need to have everything figured out — that’s what I’m here for. I’ll answer any questions you have about deposits, borrowing capacity, and government support options like the 5% Deposit Scheme, so you’ll walk away with a clear idea of your next steps.

  • Once I understand your situation, I’ll compare loans from a wide range of lenders to find options that suit you. I’ll explain everything in simple terms — rates, fees, and features — so you can make confident decisions without the jargon or overwhelm. If you’re not quite ready to buy yet, I’ll also help you create a plan to get there sooner.

  • When you’re ready, I’ll take care of preparing and submitting your loan application. I’ll communicate with the lender on your behalf, making sure your paperwork is accurate and your application progresses smoothly. You’ll stay informed every step of the way, without needing to chase anyone for updates or deal with bank jargon.

  • Once your loan is approved and settlement is complete, it’s time to pop the champagne! But my job doesn’t stop there — I’ll keep in touch to make sure your home loan continues to suit you, and I’ll be here whenever you need advice about repayments, refinancing, or your next property goal.

Whether you’re just starting to save or already house-hunting, I’ll meet you where you’re at and guide you through every step — so you can buy your first home with confidence.

I'm ready to get started

 FAQs

  • Traditionally lenders prefer at least a 20% deposit, but now there are options to buy with less with opportunities like the 5% Deposit Scheme, Professional LMI Waivers, or Guarantor Loans. I can help you understand how much you’ll need based on your situation and which lenders or schemes you may qualify for.

  • The 5% Deposit Scheme allows eligible buyers to purchase a property with as little as a 5% deposit plus purchase costs — without paying Lenders Mortgage Insurance (LMI). The government acts as a partial guarantor on your loan, which can help you buy sooner. I can check your eligibility and help you apply for a place under the scheme.

  • Yes — having some debt doesn’t automatically stop you from getting a home loan. Lenders will look at your income, repayment history, and overall financial position. I can help you understand how your debts might affect your borrowing power and what steps to take to strengthen your application.

  • You’ll need to allow for stamp duty, legal and conveyancing fees, building and pest inspections, and possibly lenders mortgage insurance if you’re not using a scheme. I’ll help you calculate a realistic budget upfront so there are no surprises later.

  • Timeframes can vary depending on the lender and depending on how quickly you want to progress, but generally it takes 2–4 weeks from appointment to pre-approval, depending on your lender and situation. Once you do find a property, final approval can also vary depending on the lender, but is generally quicker than pre-approval. I’ll guide you through every step, keep you updated, and handle communication with the lender so it’s as smooth as possible.

  • As a broker, I work for you, not the bank. I compare loans from multiple lenders to find one that fits your goals and explain your options clearly — so you can make informed decisions. And the best part? My service is complimentary; I’m paid by the lender once your loan settles.

  • That’s completely fine — many first home buyers start by getting clarity around their finances. I can help you understand what’s achievable now and create a plan to get you “purchase-ready” in the near future.