Get into your first home sooner — with the right loan and every grant you're owed.
Independent brokers who check 45+ lenders to find the loan that actually fits you — and map every grant, scheme and stamp-duty saving you may be entitled to. Free, no-obligation, no fee to you.
- ✓ Knocked back by a bank? We find lenders that say yes.
- ✓ Unlock the First Home Guarantee (5% deposit, no LMI), FHSS & stamp-duty concessions.
- ✓ Fast pre-approval so you can bid with confidence.
You're all set!
Your First Home Buyer's Guide is on its way to your inbox — or grab it instantly below. Kylie will be in touch shortly too.
The banks work for themselves. We work for you.
Major banks can only offer their own products. As independent brokers we compare 45+ lenders to find the one that actually fits your situation — at no cost to you.
45+ lenders compared
One conversation, dozens of options. We find sharper rates and policies the big banks won't tell you about.
Every grant unlocked
First Home Guarantee, First Home Super Saver, stamp-duty concessions — we make sure you leave nothing on the table.
Fast pre-approval
Get sorted early so you can make an offer with confidence in a competitive market.
We handle the paperwork
From application to settlement, we manage the lender for you — and it's free, we're paid by the lender.
The First Home Buyer's Complete Guide
Your step-by-step roadmap to homeownership in Australia — 25 clear steps from credit score to settlement. You can also explore our full first home buyer guide for more.
- How to prepare financially & boost your borrowing power
- The complete pre-approval process
- Winning offer strategies in competitive markets
- Every government grant & scheme available to you
How it works
Free 15-minute chat
Tell us where you're up to. No jargon, no pressure — just a clear picture of what's possible for you.
We compare & map your grants
We check 45+ lenders and every scheme you qualify for, then recommend the best fit for your goals.
Get pre-approved & buy
We handle the application and lender back-and-forth right through to settlement day.
You could be tens of thousands better off
Used well, first home buyers can combine a low deposit, a waived LMI premium, a cash grant and a stamp-duty saving.
Buy with a 5% deposit and no Lenders Mortgage Insurance if eligible.
Waived or reduced transfer duty for eligible first home buyers in NSW.
Save your deposit through super with tax advantages.
Single parents may buy with as little as a 2% deposit.
Eligibility criteria and caps apply and change over time — we'll confirm exactly what you qualify for.
First home buyers love working with us
"Kylie and the team at Soren Financial went above and beyond to help us buy our first home."
"I hardly knew anything about purchasing a property but they made everything clear and made me feel assured."
"Within 10 minutes of a discovery call, I knew Kylie was the broker we'd been looking for."
★ 4.9 average across 106 Google reviews · Verified on Google & RateMyAgent
Ready to see what's possible?
Get a free, no-obligation assessment of your borrowing power, your loan options and the grants you qualify for.