Find the right home loan.
First time.
Buying a home is one of the biggest financial decisions you'll make. We make sure you go in prepared — with the right loan, the right rate, and zero surprises.
What's included
Everything you need to buy with confidence
Borrowing power assessment
Know exactly what you can borrow before you start searching.
Rate comparison across 20+ lenders
We do the legwork so you don't have to.
First home buyer support
Guidance on grants, stamp duty concessions, and low-deposit options.
Pre-approval in days
Move fast when you find the right property.
Full application management
We handle the paperwork from start to settlement.
The process
From first chat to settlement
Free consultation
We start with a no-obligation chat to understand your goals, timeline, and financial situation.
Borrowing assessment
We calculate your borrowing power and identify the lenders most likely to approve your application.
Loan comparison
We compare rates and features across 20+ lenders and present you with the best options.
Pre-approval
We submit your application and secure pre-approval so you can bid and buy with confidence.
Settlement
We manage the entire process through to settlement — you just show up to collect the keys.
Who we help
Whether it's your first home or your next one
We work with buyers at every stage — from first-timers navigating the market for the first time, to upsizers, downsizers, and everyone in between. If you're buying property in Sydney, we can help.
- First home buyers
- Upsizers & downsizers
- Self-employed borrowers
- Buyers with small deposits
- Buyers with complex income
Quick stats
Common questions
Frequently asked questions
How much deposit do I need?
Most lenders require a minimum 5–10% deposit. With less than 20%, you'll typically pay Lenders Mortgage Insurance (LMI). We can help you explore low-deposit options and first home buyer schemes that may reduce or waive LMI.
What is pre-approval and do I need it?
Pre-approval is conditional approval from a lender confirming how much they're willing to lend you. It's not mandatory, but it gives you a clear budget, makes you a more credible buyer, and speeds up the formal approval once you find a property.
How long does the home loan process take?
Pre-approval typically takes 2–5 business days. Once you've found a property and signed a contract, formal approval and settlement usually takes 3–6 weeks depending on the lender and your circumstances.
Are there grants available for first home buyers?
Yes. In NSW, eligible first home buyers may access the First Home Owner Grant, stamp duty concessions, and the First Home Guarantee scheme (5% deposit with no LMI). We'll identify every grant and concession you're entitled to.
How much does your service cost?
Nothing. Our service is completely free to you. We're paid a commission by the lender when your loan settles — this doesn't affect your rate or the advice we give you.
Ready to get pre-approved?
Book a free consultation and we'll get started today.