First home buyers
Your first home starts with a good conversation
Buying your first place is a big deal. I'll help you understand where you stand, what to prepare and what happens next — in plain English, at your pace.
Explore the Home Buyer Roadmap
A simple, step-by-step view of the journey from your first chat to getting the keys. Free to view — no details required.
How I help first home buyers
Understanding borrowing capacity
We'll look at your income, expenses and commitments to work out a comfortable price range — not just the maximum a lender might offer.
Planning your deposit and purchase costs
Beyond the deposit, there can be stamp duty, conveyancing, inspections, lender fees and moving costs. We'll build a realistic picture.
Preparing your documents
I'll give you a checklist tailored to you, so you only gather what's needed and your application is ready to go.
Exploring assistance schemes
There may be government assistance available. Eligibility rules and availability change, so we'll check what currently applies to you.
Understanding pre-approval
Pre-approval can give you confidence when house hunting. It's conditional, not a guarantee — I'll explain exactly what yours does and doesn't cover.
Comparing suitable loan options
Rates, fees, features and structure — I'll explain the options that suit your situation and why I'm recommending them.
Application through to settlement
I'll manage the paperwork, liaise with the lender, and keep you (and your conveyancer) updated right through to settlement day.
After you get the keys
I'll check in as your needs change — refinancing, renovating, or planning your next move.
About assistance schemes
There may be government assistance available to help first home buyers get into the market sooner. Because eligibility criteria, price caps and availability change from time to time, I'll check what's currently on offer and whether you may qualify when we talk.
Common first home buyer questions
How much deposit do I need? It depends on the lender, the property and your situation, and whether any schemes apply. A smaller deposit may mean paying Lenders Mortgage Insurance (LMI). We'll talk through the trade-offs.
Should I get pre-approval before I start looking? For many people it's a good idea, as it helps you understand your budget. Just remember pre-approval has conditions and an expiry, and final approval depends on the property and your circumstances at the time.
I'm self-employed or a casual worker. Can I still buy? Possibly. Lender policies differ for self-employed, casual and contract income. Let's look at your situation together. Self-employed lending →
You might also be looking for
Home Buyer Roadmap
The journey from first chat to the keys — free to view, no sign-up.
Before you make an offer
What first home buyers should understand first.
Self-employed first home buyer?
How lenders may look at business income.
Thinking about your first home?
Whether you're saving now or ready to make offers, let's map out your next steps together.