Why entry-level homes are rising faster
The affordable end of the market is doing the heavy lifting on price growth right now. Here is what is driving it, and what it means for first home buyers.
Read articleFirst Home Buyers Bible · Australia
Home lending done right, with no BS.
First home buyer specialists helping you understand your borrowing power, the deposit you’ll need, the government schemes you may qualify for, and the lenders that suit your situation, with clear guidance and support every step of the way.
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The journey
Five steps to your first home
From your first question to the keys in your hand.
Book a free call- 01
Let’s talk
Book a free discovery call and tell us what you’re hoping to achieve.
- 02
Know your numbers
Understand your borrowing power, deposit, buying costs and realistic purchase price.
- 03
Get pre-approved
We compare suitable lenders, recommend a strategy and arrange your pre-approval.
- 04
Find your home
Start house hunting with confidence. We’re here to help with property reports, contracts and making an offer.
- 05
From approval to keys
We manage your finance through formal approval and settlement, right through to getting the keys.
How we help
Here’s what we do for you
One broker who knows your goals and handles the hard parts: the numbers, the lenders and the paperwork.
Understand your borrowing power
Your borrowing range, your deposit options, and the grants, schemes and concessions you may qualify for.
Learn moreCompare loans from 60+ lenders
One conversation covers our panel of 60+ lenders, from the major banks to smaller specialists.
Learn moreA tailored lending strategy
Which loan, which structure, and why, explained so you can check our reasoning.
Learn moreProperty and suburb reports
Estimated value, recent sales and suburb trends for the home you are looking at, before you make an offer.
Learn moreTrusted local connections
Introductions to vetted conveyancers and building and pest inspectors when you need them.
Learn moreSupport beyond settlement
We see you through to settlement, and you can still call us after you get the keys.
Learn moreNot sure which of these you need? That is what the first call is for.
Book a free callBefore you sign
Don’t sign a contract until it’s been checked
- Done: Pre-approval sorted
- Done: Building and pest inspection booked
- Still to do: Contract checked by a solicitor
Free contract review
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The cost question
What does a mortgage broker cost you?
$0broker fee. You are never charged for our service.
We are paid a commission by the lender when your loan settles, never by you. We will explain exactly how we are paid before you proceed.
No obligation. No pressure. Just a clear look at your options.
Compare loans from 60+ lenders, including
and many more across our lender panel
18+ years lending experience
60+ lenders on our panel
1,000+ first home buyers helped
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The community
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Ask questions, share wins, and learn from people at your stage and from those a few steps ahead.
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Book a call
Book your free discovery call
Buying next month or next year? Either way, we will help you work out where you stand and what to do next. Free, relaxed, and you talk to Tate, not a call centre.
For first home buyers
What we will cover
New to buying? Start here. We map out where you stand and what is possible for your first home.
- Your borrowing power and deposit options
- Grants, schemes and concessions you may qualify for
- A clear, no-pressure plan for your next step
Guides & insights
Learn the ropes before you sign
How much deposit do first home buyers need?
You can often buy with as little as a 2% to 5% deposit. A plain-English breakdown of your options, LMI, and the government schemes that reduce the upfront cost.
Read articleHow much can I borrow as a first home buyer in Australia?
Your borrowing power is about far more than income. A simple breakdown of what lenders really look at, and why two people on the same salary can borrow very different amounts.
Read articleContact
Have a question? Let’s talk.
Send a message and we will get back to you as soon as possible. No jargon, no pressure.