Being a first home owner Mansour is providing me valuable guidance on purchasing the right property for me and will be there through the whole process. I look forward to building my property portfolio with the assistance of Mansour and his team. Thanks again!!

Professional and prompt service

As first home buyers, my partner and I were quite anxious about the biggest purchase of our lives, but Mansour guided us in a detailed and reassuring manner every step of the way. Mansour's responsiveness and ability to explain each step clearly made us feel secure throughout the process.

Always a phone call away!

Kylie and her team have been incredible and the support provided throughout the home loan process has been fantastic. Without this support I would not have ended up with my dream first home.

Home loan approved in days

I had an excellent experience with Kylie. As a first-time homebuyer and completely new to the entire process, I had a lot of questions. She took the time to explain every detail of the process and patiently answered all my queries without ever making me feel uncomfortable or rushed.

A stress-free mortgage process!

300+

Successful First Home Purchases

4.9

Stars on Google

45+

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What is the minimum deposit required for a first home buyer?

While you can get a home loan with as little as 5% deposit, most lenders prefer 10-20%. With less than 20% deposit, you'll typically need to pay Lenders Mortgage Insurance (LMI). Our LMI calculator can help you understand these costs.

How long does the home loan approval process take?

Pre-approval typically takes 3-7 days, while full approval can take 2-6 weeks depending on your circumstances and the lender. We work to streamline this process and keep you informed every step of the way.

What government grants are available for first home buyers?

First home buyers may be eligible for the First Home Owner Grant (FHOG), stamp duty concessions, and the First Home Loan Deposit Scheme. Eligibility varies by state and property value. We'll help identify all grants you qualify for.

How much can I borrow for my first home?

Your borrowing capacity depends on your income, expenses, debt, and deposit. Generally, lenders will lend up to 6 times your annual income, but this varies. Use our calculator above for an estimate, then book a consultation for a detailed assessment.

Should I use a mortgage broker or go directly to a bank?

Mortgage brokers have access to multiple lenders and can compare rates and features to find the best deal for your situation. We also provide ongoing support throughout the process and don't charge fees to borrowers - we're paid by the lender.

What's the difference between fixed and variable rates?

Fixed rates stay the same for a set period (usually 1-5 years), providing payment certainty. Variable rates can change with market conditions but often offer more flexibility with extra payments and features. Many borrowers choose a split loan combining both.

Can I buy a home with bad credit?

While challenging, it's not impossible. We work with specialist lenders who consider applications from borrowers with credit issues. The key is demonstrating your current financial stability and ability to repay the loan.

What documents do I need for a home loan application?

You'll typically need payslips, tax returns, bank statements, employment letter, identification, and details about the property you're purchasing. We provide a comprehensive checklist during our consultation to ensure you're fully prepared.