First home buyers and refinancing
All we need is 15 minutes on the phone to tell you what you can borrow and which lenders we think will approve your income. You pay no fee to us.
Tell us what you need and we will call you back. Or pick a time yourself and we will call you then.
Pick the one that sounds like you. Both start with the same free call.
We work out what you can actually borrow before you start looking at houses.
We check what you are paying now against our panel, then tell you what switching would cost you and what it would save you.
Our service is free for you. We are paid by the lender, not by you.
We compare hundreds of loan options across the panel to find the fit for you.
Book around work, not during it. Phone or video anywhere in Australia, or in person around Melbourne.
Nothing is shared with a lender without your consent.
Lender policy is what turns a no into a yes. If your income is casual, overtime, commission, contract or self-employed, picking the right lender matters more than the advertised rate.
Panel accreditations vary by product. We will tell you on the call which of these will actually lend to your income type.
These come from government, not from your lender, so they are worked out separately to your loan. Stamp duty and the grant are set by each state, and the figures below are Victoria's. We work Australia-wide, so on the first call we go through whichever ones apply where you are buying and tell you which you can actually get.
If the home you buy costs less than $600,000 you pay no land transfer duty on it whatsoever. If it costs between $600,001 and $750,000 you still pay some, but a reduced amount rather than the full lot.
This particular grant is only available on brand new homes, and only where the place you are buying comes in at $750,000 or under.
A small deposit normally means paying Lenders Mortgage Insurance on top. Under this federal scheme you do not, as long as you meet their rules and the property sits under the price cap for the area you are buying in.
Lenders look at a lot more than what you have saved, and they all have different rules. Find out where you stand before you fall for a house you were never getting approved for.
Costs to budget for beyond the deposit
There is more to pay for than the house and the loan. We go through all of it with you before you commit to anything.
You will always know where your application is up to. You will never have to chase us for an update.
Tell us your goal, income type and timeframe. We map your borrowing position honestly before you fall in love with a property.
We match your income and deposit to the lenders whose policy actually fits, then package and submit the application properly the first time.
You get updates at every milestone, not silence. We chase the lender, manage conditions, and stay with you after settlement for annual reviews.
No. Our service is free to you. We are paid by the lender, not by you, and that applies whether you are buying your first home or refinancing.
Stamp duty concessions and first home owner grants are set by each state and territory, so what you can get depends on where you are buying. In Victoria, eligible first home buyers can receive a full land transfer duty exemption on homes valued up to $600,000, with a reduced amount of duty between $600,001 and $750,000, and eligible buyers purchasing a new home valued up to $750,000 may also qualify for the $10,000 First Home Owner Grant.
The Australian Government 5% Deposit Scheme may allow eligible buyers to purchase with a minimum 5% deposit without Lenders Mortgage Insurance, subject to the scheme's requirements and property price caps. Eligibility for each is set by government and is separate from lender approval.
Lender policies differ on this. Some accept a gifted deposit outright, some want it held for a period first, and some want to see a savings history alongside it. We check the policy of each lender on our panel against your situation before anything is submitted, so you are not knocked back for something that another lender would have accepted.
It depends on the property price, the lender and whether you qualify for a scheme. The 5% Deposit Scheme can allow eligible buyers to purchase with a minimum 5% deposit without Lenders Mortgage Insurance, subject to price caps for the location. On the first call we work backwards from what you have saved and what you can borrow to give you a purchase price range for the suburbs you are looking at.
Your bank can only offer you its own products. We compare options across a panel of more than 30 lenders, including that bank, and there is no fee to you for doing it. If your own bank turns out to be the best fit, we will tell you that.
Timeframes vary by lender and by how complete the application is when it is submitted, which is a large part of why we package it properly the first time. On the strategy call we give you a realistic timeline for your situation and we update you at every milestone rather than leaving you to chase.
The first call is a conversation about your position and your options. Nothing is submitted to a lender at that point.
A credit check is part of assessing an application, and we will always ask for your consent before we run one.
Give us 15 minutes on the phone, on video, or in person. We are around 9:00am to 9:00pm Monday to Saturday and we will tell you straight where you stand and what to do next.
We will call you back. Or pick a time yourself and we will call you then.
