First home buyers

Buying your first home can feel complex.

We help you understand your options, organise a pre-approval, and guide you from start to settlement.

Expert advice across Warrnambool, South West Victoria and Australia-wide.

How we help

Understand your position

We’ll talk through your goals and financial position, clarify your borrowing power, and outline realistic next steps. If you’re not quite ready, we can help make you a plan to become purchase ready.

Compare lenders and options

We compare lenders, rates, and loan features, and explain the pros and cons in plain language. We also check government schemes for suitability and eligibility to find what best fits you.

Pre-approval support

We can help you get pre-approval so that you can buy with more confidence, especially if you’re considering auctions.

Grants and first home buyer schemes

We can help you understand the types of first home buyer schemes available, and how they could help you buy sooner than expected.

From enquiry through to settlement

We handle the application paperwork and liaise with the lender so you don’t have to. We’ll guide you on what to expect so the process feels clear and as stress-free as possible.

Common questions

How much can I borrow?
Your borrowing capacity depends on your life circumstances, income, expenses, existing debts, and the lender’s assessment criteria. We can help you estimate this and understand your next steps.
How much deposit do I need?
Deposit requirements are often 20%, but can vary by lender and loan type. In some circumstances, you may be able to buy with a smaller deposit. We can explain your options and help you understand what’s realistic for your situation.
What about grants and first home buyer schemes?
Depending on your situation, you may be eligible for government grants or schemes which are designed to help you into a home sooner. We can help you understand which schemes may apply and how it fits into your purchase plan.

How it works

1

Initial conversation

We take the time to understand your current position and what your needs and goals are.

2

Compare and advise

We compare different lenders and products to present you with options that suit your individual situation and goals.

3

Application to settlement

We manage the process, paperwork and lender communication for you. From start through to approval and settlement. We keep you informed along the way, make sure you have someone in your corner, and make the process as stress free as possible.

What to expect

Timeframes vary

The process can move quickly or take longer depending on your circumstances and the lender chosen. Getting in touch with us early will always be beneficial. We’ll outline the steps and keep you updated throughout.

Documents

Lenders require documents to verify income, expenses, and identity. We’ll help you understand what’s needed and why.

Clear next steps

After we understand your situation, we will give you a clear plan to be purchase ready — whether you’re ready now or still need more time.

Ready to talk through your first home plan?

Book an appointment and we’ll help you understand your options and the next steps.