Mortgage Broker for First Time Home Buyers in Sydney

Your Complete First Time Home Buyers Loan Service

Strategic Pre-Approval

Discover your true borrowing power with a first time home buyers loan perfectly matched to your situation. I'll optimise your application to maximise borrowing capacity while ensuring comfortable repayments, giving you confidence to move quickly when you find your ideal property.

Government Scheme Optimisation

Navigate the wealth of programs designed to help first time home buyers and secure every benefit you're entitled to:

• First Home Owner Grant: Up to $10,000 cash back on eligible new homes
• First Home Guarantee (Deposit Scheme): Purchase with just 5% deposit, no LMI
• NSW Stamp Duty Concessions: Potentially save thousands on purchase costs
• Help to Buy Scheme: Government equity sharing to reduce deposit requirements

Smart Deposit Strategy

Discover how to purchase with as little as 5% deposit through strategic use of government schemes, family support options, or innovative lending products that align perfectly with your financial situation.

Precision Lender Matching

Different lenders have different strengths with employment types, property locations, and borrower profiles. I'll connect you with lenders who are enthusiastic about your application, improving approval prospects and potentially securing superior rates.

Application Excellence

Present your financial story in its strongest light. I understand what each lender values most and how to highlight your strengths while proactively addressing any questions that may arise.

Beyond Your First Time Home Buyers Loan

Your relationship with me extends well beyond settlement:

• Proactive rate monitoring and refinancing opportunities
• Investment property loan planning when you're ready to build wealth
• Construction loan guidance if you choose to build
• Loan structure optimisation as your income grows

Why First Home Buyers Choose Us

As a mortgage broker for first time home buyers, we know the journey can feel overwhelming. That’s why our promise is simple: real support, no jargon, and trust at every step.

We’ll break down the process in plain language, explain every government incentive you can access, and give you clear comparisons that make sense for your budget. You’ll never feel rushed or “talked down to”—instead, you’ll feel supported, informed, and confident.

We’re also flexible to your needs, offering consults after hours or weekends, so your dream of owning a Sydney home doesn’t have to wait. With us, it’s not about selling you a loan—it’s about helping you step into your very first home with clarity, confidence, and peace of mind.

Access to More Options

Banks offer their products with their policies. As your mortgage broker, I provide access to 40+ lenders — including major banks, credit unions, and specialist lenders — who may offer better rates or more flexible assessment criteria for your needs.

Comprehensive Time & Efficiency Savings

Rather than managing multiple applications across different institutions, you work with me once. I handle the research, comparison, and coordination while you focus on the exciting parts — house hunting and planning your new lifestyle.

Zero Cost Service

My comprehensive broker service costs you nothing. Lenders compensate me upon settlement, so there are no upfront fees, ongoing charges, or hidden costs impacting your budget.

Local Sydney Expertise

Living and working in Sydney gives me insight into which lenders prefer specific suburbs, employment types, and borrower situations — translating to faster approvals and better outcomes.

Your Sydney First Home Buyer Toolkit

Government Programs Working in Your Favour

I'll assess your eligibility across all available schemes and ensure you're positioned to maximise benefits. Read more

Realistic Budget Framework

Understanding your complete financial picture helps you make confident decisions:

• Deposit requirements: From 5% with the right strategy
• Stamp duty planning: Including all available concessions
• Legal and inspection costs: Budget $1,600–$2,600 for essential services
• Application and setup fees: Often reduced or waived through broker arrangements
• Post-settlement reserves: Ensuring you're comfortable after moving in

Personalised Suburb Intelligence

Receive insights on areas you're considering — school catchments, transport, amenities, realistic prices, and growth potential.

Your Questions Deserve Clear Answers

• How much deposit do I realistically need to save? With the right programs, you can purchase with as little as 5% deposit. I’ll also map legal costs, inspections, and a comfortable buffer for your first months as an owner.
• What income level do I need to buy in Sydney? It depends on suburb, property type, commitments, and goals. Lenders typically prefer housing costs under ~30% of gross income; I’ll model scenarios for you.
• How quickly can I get approved? With documentation ready, pre-approval often within 48 hours; full approval typically 3 day post-contract.
• Will imperfect credit history stop me? Not necessarily. Many lenders focus on current strength and future potential; we’ll position your story.
• Self-employed or just changed jobs? Absolutely possible — may require extra docs, but very doable with the right lender.

Your Trust and Security Assured

Professional Standards and Compliance:

• Mortgage & Finance Association of Australia (MFAA) Professional Member
• Australian Credit Licence ACL 123456
• $20 million Professional Indemnity Insurance coverage
• Privacy Act compliant with secure information handling
• Continuing education: 20+ hours annually to maintain current expertise

Coverage & important information. Read more