Best for
Where this fits.
- Savers with a deposit ready who need the right lender match
- Buyers with a smaller deposit who need guidance on LMI and guarantee options
- Couples combining incomes and wanting to understand joint borrowing power
First Home Buyer
Plan your first purchase with confidence
Know your borrowing power, check your grant eligibility, and find the right lender before you start looking at properties.
- We check all first-home buyer grants and concessions for you
- Honest assessment of your readiness before you commit
- Borrowing power calculated before you start house hunting
How it moves
What happens next.
- 1 Assess your readiness
We review your deposit savings, income, debts, and borrowing capacity to see where you stand.
- 2 Check grants and concessions
We check which first-home buyer grants, stamp duty concessions, and guarantee schemes apply to you.
- 3 Get pre-approval
We submit your application to a lender that suits your deposit size, income, and property type.
FAQ
Quick answers.
How much deposit do I actually need?
Ideally 20% to avoid Lenders Mortgage Insurance. But many lenders accept deposits as low as 5%, and first-home buyer schemes can sometimes help bridge the gap.
What grants am I eligible for?
It depends on your situation, the property value, and whether it's a new or existing home. We check all applicable NSW and federal schemes for you.
Should I get pre-approval before looking at properties?
Yes. Pre-approval tells you your real budget and shows sellers you're a serious buyer. It saves time and prevents disappointment.
Can I buy with a partner or friend?
Yes. We structure joint applications and explain how combined borrowing power works, as well as the legal arrangements you should consider.
Start enquiry
Tell us the scenario. We will map the next step.
One enquiry. Human direction. No duplicated paperwork before the fit is clear.
Start Enquiry