Mortgages
Your first home, without the guesswork.
Getting into your first home is mostly a series of questions nobody's answered for you. We answer them, then build an application that puts your best foot forward.
Free guide
The First Home Buyer Guide
A plain-English walkthrough of everything that matters, plus a checklist to bring to your adviser. Free, instant, no obligation.
What this is
First home lending is about two things — what you can borrow, and how you set it up. Most people focus on the first and ignore the second, then live with the consequences for thirty years.
We'll tell you where you actually stand, what to fix before you apply, and how to structure things so the loan works for the life you're building, not just the house you're buying.
How we help
How we get you to the keys.
01
We tell you where you stand.
A clear read on your deposit, your income and what lenders will make of both, before you fall in love with a house.
02
We fix what's fixable first.
Small things sink applications. We spot them early and give you a list you can actually work through.
03
We put your best case forward.
We know what each lender wants to see and how they want to see it. We package your application accordingly.
04
We're there on offer day.
Auctions and deadlines don't wait. Neither do we.
Get started
Let's find out what you can actually afford.
Tell us where you're at. We'll come back with a clear read on your deposit, your borrowing power and what to do next.
No cost. No pressure. No obligation.
What it costs you
Nothing.
Free to you — we're paid by the lender once your loan settles.
Common questions
First home questions, answered.
It depends on the lender, the property and your situation, and the answer changes more often than most people expect. Rather than quote you a number that might not apply, we'll look at your position and tell you exactly where you stand.
Often, yes. There are conditions around how long you've been contributing and what the money can be used for. We'll check your eligibility and walk you through the withdrawal process.
Usually ID, proof of income, bank statements and a picture of your regular spending. We'll send you a checklist so nothing's a surprise.
From first conversation to approval is usually a matter of weeks, not months, provided the paperwork lands promptly. We'll give you a realistic timeline for your situation.
Free to you — we're paid by the lender once your loan settles.
While we're at it
A new mortgage changes what protection makes sense.
Most first home buyers are underinsured the day they get the keys. It's a short conversation and it matters more than people think.