First Home Buyer
You want clarity and a clear path to yes. We’ll map borrowing power, structure your deposit, and set expectations from pre-approval to settlement.
Guide users to the right solution fast.
You want clarity and a clear path to yes. We’ll map borrowing power, structure your deposit, and set expectations from pre-approval to settlement.
When rates and needs change, your loan should too. We compare like-for-like and only recommend a switch if the numbers stack up.
Portfolio lending is about structure, not just rate. Keep tax and cash-flow options open and protect capacity for the next purchase.
Some lenders offer profession-based policies (e.g. reduced LMI, higher LVR caps, flexible income treatment).
LVR: Your loan amount divided by the property value. Above 80% LVR usually triggers LMI; below 80% avoids it.
LMI: One-off premium that protects the lender when you borrow at higher LVR. We’ll model whether paying LMI gets you into the market sooner (often it does).
Offset Account: A bank account linked to your variable loan that reduces interest by “offsetting” your balance—keeps your cash liquid and working.
Redraw: Extra repayments you’ve made on the loan that you can access later—handy, but not as flexible as a full offset.
Fixed vs Variable: Fixed = certainty of repayments for a set term (fewer features, break fees if you exit early). Variable = full features (offset/redraw) and rates can move up or down. Split = a mix of both.
Our approach: we’ll model repayments, interest saved, and flexibility trade-offs for fixed, variable, and a 50/50 split—so you can see what wins for your plan.
*Timing is lender-dependent. We chase valuation and conditions, keep you auction/private-treaty ready, then convert to formal approval and manage settlement with your solicitor/conveyancer.
You focus on the property. We handle the paperwork and timelines.
You may be eligible for state-based first-home buyer grants or concessions, or a government guarantee that reduces or removes LMI with a smaller deposit. Eligibility depends on price caps, income limits and prior ownership.
What we do: check your eligibility across available schemes, include them in your numbers, and line up the right lender channels to use them effectively.
Handy resources to cut the guesswork, dodge common pitfalls and move from research to approval with confidence.
Track the journey from application to settlement—what happens when, who’s involved, and simple ways to speed things up.
Clear tactics for private treaty and auction—buy with confidence and avoid paying above the odds.
Spot the top 10 red flags lenders look for—quick fixes and simple habits to keep your application on track.
Room-by-room prompts, building/pest warning signs and the questions worth asking. Print and take along.
Everything in one place: ID, income, savings, debts and property details—sorted by borrower type.
Switch utilities, line up services and pack a first-night kit—tick through your move with ease.
Borrowing capacity, costs, pre-approval, search, offer and settlement—six simple stages to follow.
Repayments, borrowing limits, savings goals and more—all the essentials in one place.
Test fixed and variable splits to see the difference in interest, features and flexibility.
Estimate how an offset account can trim interest and potentially shorten your loan term.
See if you’re eligible to reduce or skip lender’s mortgage insurance and what that means for your costs.
Check fortnightly or monthly repayment estimates across different rates and loan terms in seconds.
Turn your income and expenses into a monthly plan, set savings goals and build a buffer that suits you.
Whether you’re buying your first place, upsising, investing, or optimising your current loan, these tailored options make the next step simpler.
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