A major bank
Competitive offset, full digital pre-approval, accepts FHBG. Strong for PAYG buyers with steady employment.
Grants, deposit strategies, and the lenders that actually say yes to first-time buyers. We translate the confusing bits and quote you real numbers, not ranges.
If you're comparing brokers right now, you're probably juggling three things at once: saving the deposit, working out what you can actually borrow, and sorting through a dozen different government schemes that all sound helpful but don't all apply to you.
We help first home buyers across Sydney - Putney, Ryde, Parramatta, the Hills, Eastwood, Gladesville, Hurstville - take the guesswork out of step one. Over a free 20-minute chat, we'll map out your borrowing power, the grants you actually qualify for, and the lenders most likely to approve you. No high-pressure sales. No generic brochures. Just a clear plan you can act on.
Some lenders love first home buyers with 5% deposits. Others don't. We know who's who - so you don't burn a credit enquiry on a bank that was never going to approve you.
First Home Guarantee, First Home Owner Grant, First Home Super Saver, stamp duty concessions - what applies in your suburb, at your price point, right now.
5%, 10%, 20% - each has trade-offs around LMI, pricing and your monthly budget. We'll show you three scenarios and you pick.
Auctions don't wait. You get Richard's mobile, and he uses it.
20 minutes on the phone or over coffee in Putney. We listen; you ask anything.
We run your numbers with three to five lenders and map every grant you qualify for.
We prepare the file and get you pre-approved so you can bid with confidence.
Once you've got an accepted offer, we push it through to settlement. You sign where it says sign.
We don’t quote rates on the website — they move weekly. We’ll give you real numbers at our first meeting.
Competitive offset, full digital pre-approval, accepts FHBG. Strong for PAYG buyers with steady employment.
Typically sharper pricing than the majors and more flexible with casual income or short-term employment histories.
For buyers who've had a bank say no. Faster decisioning, more human underwriting, slightly higher rates but real.
We walked in thinking we needed a 20% deposit and walked out with a pre-approval at 8%, minus LMI, because Richard knew which lender treated our savings the right way. Settled on our Ryde apartment six weeks later.
Buying land and building? Progress-payment loans are structured differently from standard home loans.
Learn more →Rentvesting - buying an investment first while you live elsewhere - can be a smart first move.
Learn more →If you run your own business, your borrowing assessment looks different. We specialise in this.
Learn more →Most lenders want at least 5% of the purchase price, plus enough for stamp duty and fees. Under 20%, you'll usually pay LMI - though the First Home Guarantee can waive that for eligible buyers with 5% down.
Generally you need to be an Australian citizen or permanent resident, 18+, with income under the government cap ($125K single / $200K couple as at 2026), buying under the property price cap for your area, and never have owned property before. We check the current rules against your situation at the first meeting.
In NSW, the $10,000 First Home Owner Grant applies to newly built homes only, up to a value cap. If you're buying an existing home, it doesn't apply - but stamp duty concessions often do.
Yes, if you've been making voluntary contributions to super. You can withdraw up to $50,000 of those contributions plus earnings toward a deposit. Worth exploring early - it takes several weeks to process.
Generally, prior overseas ownership doesn't disqualify you from Australian first-home benefits, but it's lender-dependent and grant-dependent. We check.
With full documents and a standard lender, typically 2-5 business days. Pre-approvals are usually valid for 90 days.
A 20-minute call, no fee, no obligation. We'll come back with three real lender options, your grant eligibility, and a clear next step.
0473 113 128Mon-Fri, 8am-6pm