Share the basics
Tell us what you need and how a broker can reach you.
Start with confidence
First home buyer mortgage help
Understand deposits, home loan options and the buying process with support from an appropriately licensed or authorised mortgage broker.
Request a reviewA clearer starting point
What the conversation can cover
Buying your first home can bring unfamiliar terms, deadlines and decisions. A clear finance plan helps you know what to prepare, what you may be able to borrow and what costs to allow for.
- Build a realistic budget that includes purchasing costs
- Discuss loan options and eligible government schemes
- Prepare for pre-approval, application and settlement
- Understand how deposit size, lenders mortgage insurance and lender criteria can affect available options
- Prepare the income, savings and spending information a lender may need to assess an application
What happens next
Simple to request. Personal from there.
Talk it through
A broker learns about your circumstances, priorities and timeframe.
Consider the next step
If you continue, the broker can assess and explain suitable options.
Helpful to know
Common questions
How much deposit do first home buyers need?
It varies by lender, property and eligibility for government schemes. A smaller deposit may mean extra costs or conditions, so individual assessment is important.
Can the broker check government support options?
A broker can discuss lending implications and possible eligibility. Scheme rules change, so current government guidance and any necessary tax or legal advice should also be considered.
What costs should I budget for beyond the deposit?
Costs may include conveyancing, inspections, government duties or charges, loan fees, lenders mortgage insurance and moving expenses. The costs that apply and their amounts vary by property, location, lender and personal eligibility.
Can family help with my first home purchase?
Some buyers receive a gift, family loan or guarantor support. Lenders treat these arrangements differently, and guarantors should understand the risks and obtain independent legal and financial advice.
Your next step
A clearer mortgage conversation starts here.
Share a few details and request a call from an appropriately licensed or authorised mortgage broker. No pressure and no obligation to proceed.
- Australia-wide support
- A human follow-up call
- No sensitive documents in the first step