Buying a first home loan is an exciting time – we help you navigate the process to make it easy and stress free for you.
Structure First. Strategy Always. Finance With Purpose.
Getting into the property market is one of the biggest financial decisions you'll make. From confusing contracts and jargon filled paperwork to inspections and ultimately, sealing the deal – we're here to give it to you straight.
Like the homes on your wishlist, no two loans are the same. Step by step, we'll help you make sense of the nonsense, and work with over 90+ banks and lenders to find the loan most suited to your first home.
From a quick chat to settlement, these are the steps to owning your first home.
It all starts with taking about few minutes to answer a few simple questions right here. When you're done, we'll meet to talk about your goals, opportunities and next steps, in person or online.
Once we know what you need, we'll research 90+ banks and lenders to provide you with loan recommendations suited to your needs.
Found your lender? Well sit back. We'll do the paperwork and package, sign and lodge your documents to get you primed and ready for pre-approval.
If your pre-approval gets the tick, your borrowing power will be revealed. This amount is usually valid for three months and gives you a clear idea of what you can spend. Let the house hunting begin!
After all the ups and downs of the home buying hunt, you've found a home and made an offer. While you pop the champagne, we'll keep track of your application to ensure it all runs smoothly.
Get excited, it's time for settlement. Sit back and enjoy the moment, we'll let you know when everything is finalised and your lender has released the funds.
There are a number of loan types available to you; variable rates, fixed rates, guarantor loans and more — see some of the options below.
As the name suggests, the interest rate can change over the life of the loan. This gives you flexibility, but can also leave you open to rate rises. These loans offer more flexible features like unlimited additional repayments, redraw, and offset accounts.
Basically, this is the opposite of a variable rate loan. Your interest rate and repayments will stay the same during the fixed term, no matter what—so you know exactly what to budget for each month. So no surprises while your fixed period is in place, and you can plan ahead with confidence.
You're able to fix part of your loan, while leaving the rest variable. That way you can lock in certainty on one portion and keep flexibility on the other—often a practical middle ground when you want stability without giving up all your options. We'll help you work out the right split for your situation.
Professional packages offer discounts on standard variable and fixed rates, the waiving of fees, and in some cases, great deals on other products from the same lender. A packaged loan usually comes with one annual fee for the bundled products—and can suit borrowers who want extra features bundled in one place.
Also known as 'honeymoon' loans, these offer a low interest rate for a short period (eg. a year), after which the rate moves to the standard variable rate. They can make early repayments easier to manage at the start, but it's important to understand what happens when the introductory period ends.
As the name suggests, you only pay the interest on the principal balance for a set term, with the principal balance unchanged. Repayments are lower during that period, but you are not reducing the loan balance until principal repayments begin—so it's worth weighing up the longer-term cost.
A guarantor uses the equity they've built up in an existing property to help you purchase your property sooner. Guarantors could be your parents, parent-in-law or a step parent or grandparents—offering a pathway in when saving a full deposit on your own takes longer than you'd hoped.
Want to understand the numbers before you commit? We'll walk you through them based on your situation and goals.
