First Home Buyers
Your first home is closer than you think.
Most first home buyers come to me convinced they're not ready. Too much debt. Not enough saved. Not sure where to even start. Sometimes that's true. More often, it isn't.
The first conversation costs you nothing. What it gives you is clarity on where you actually stand.
WHAT A BROKER DOES FOR YOU
A mortgage broker isn't just someone who finds you a loan. The right broker helps you understand what you can borrow, how to structure it, and what to watch out for before you commit to anything.
I work with dozens of lenders. That means I'm not limited to what one bank will offer you. I look at your whole picture and find the option that fits, not just the one that's easiest to approve.
And I explain everything in plain language. No jargon. No assumptions about what you already know.
WHAT WE COVER TOGETHER
- How much you can realistically borrow based on your income and expenses
- How much you need saved, and what counts as a genuine deposit
- Whether you qualify for the First Home Guarantee, which allows eligible buyers to purchase with as little as a 5% deposit without paying Lenders Mortgage Insurance (LMI)
- Whether you're eligible for the First Home Owner Grant (FHOG) in NSW
- How to get pre-approval so you can make an offer with confidence
- What happens at each stage from application through to settlement
THE HONEST PART
Not everyone is ready to buy right now. If that's where you land after our conversation, I'll tell you. I'll also tell you exactly what needs to change and roughly how long it will take to get there.
That's more useful than being told what you want to hear.
HOW IT WORKS
- We talk. One conversation, no commitment. You tell me where you're at. I tell you what's possible.
- I build your strategy. Once I have a full picture of your situation, I match you to the right lenders and structure. You'll know exactly what I recommend and why.
- I handle it from here. Applications, lender follow-ups, updates. You focus on finding the right home. I handle the finance.
READY TO FIND OUT WHERE YOU STAND?
Book a free strategy session. Thirty minutes. No paperwork, no pressure. Just a straight conversation about what's possible for you.
Keystone Broker Pty Ltd | Credit Representative 578633 of Finsure Finance & Insurance Pty Ltd | Australian Credit Licence 384704 | General information only. Not financial or credit advice. Consider your own circumstances before making any decisions.