First Home Buyer support that makes the process feel less overwhelming.
Buying your first home can feel exciting, confusing and slightly terrifying, sometimes all before the journey even starts.
I help first home buyers understand borrowing power, deposits, loan options, grants, schemes and the steps involved, so you can move forward with more clarity and less guesswork.
You don’t have to be in the final stages or have everything sorted and lined up to reach out.
Who this is for.
You’re thinking about buying your first home or don’t know where to start.
You want to understand how much you may be able to borrow and the process.
You’re confused about deposits, grants, schemes or lender requirements.
You want help before speaking with agents, making offers or applying for pre-approval.
HOW I CAN HELP
Clear guidance before you buy your First Home.
I can help you understand:
- How much you may be able to borrow
- How much deposit you may need
- What lenders may look at when assessing your application
- Whether grants or government schemes may be worth exploring
- How pre-approval works
- What happens before and after making an offer
- Which documents you may need
- How to compare loan options without getting lost in bank jargon
How the process works.
Tell me where you’re at.
We start with your income, savings, goals and where you are in the buying journey.
Understand what may be possible.
I help you understand borrowing power, deposit options and what lenders may look for.
We prepare and compare properly.
We look at loan options based on policy fit, repayments, structure and overall suitability.
Your move forward with support.
If it makes sense to apply, I help guide you through pre-approval, application, approval and settlement. Then support you right throughout your loan afterwards.
What helps when reviewing your options
What you may need.
You do not need everything ready for the first chat, but if we move forward, useful documents may include:
- Recent payslips
- Bank statements
- Identification
- Savings history
- Details of any debts or credit cards
- Information about your deposit
- Details of any property you are considering
- Rental history, if relevant
Your questions answered
First Home Buyer questions.
How early should I speak with a mortgage broker as a first home buyer?
Earlier than you think. Speaking with a broker before you start making offers can help you understand your borrowing power, deposit position, possible lender options and what steps you may need to take before applying.
Do I need a 20% deposit to buy my first home?
Not always. Some buyers may be able to purchase with a smaller deposit, depending on their situation, the lender, the property and whether any schemes or family support options apply. I can help you understand what may be realistic.
What is pre-approval?
Pre-approval is when a lender gives an indication that they may be willing to lend you a certain amount, based on your financial situation. It is not a final approval, but it can help you shop with more confidence.
Can you help me understand grants and first home buyer schemes?
Yes. I can help you work through which grants or schemes may be relevant to your situation and explain how they may fit into your loan options. Eligibility depends on your personal circumstances, location, property and current scheme rules.
What if I’m not ready to buy yet?
That is completely fine. A first chat can help you understand what to work on next, whether that is savings, reducing debts, improving account conduct or getting clearer on your price range.
Can my parents help me buy my first home?
In some cases, family support may help through options like a guarantor loan or gifted funds. These options need to be considered carefully, because they can involve risks and responsibilities for everyone involved.
Not sure where to start? Start with a chat.
You do not need to know the lender policies, income rules or exact loan type before reaching out. Tell me what you’re trying to do, and I’ll help work through the next step clearly.
get in touch
Book a Free 15 min Chat
Schedule a chat with me at a time convenient for you.
contact us
Contact us with your questions.
I would love to speak with you! Feel free to reach out with any questions.