Your first home
A clear starting point.
Understand your options, work through the application, and take the next step with someone in your corner.
Explore this service +
We’ll help you understand borrowing capacity, deposit requirements and the application process, and explore any first home buyer assistance that may apply to you.
What should I have ready for our first conversation?
Start with your goals, timing and an overview of your income, savings, expenses and existing debts. Recent payslips, bank statements and loan statements can help. We can then discuss which documents are needed for your circumstances and the lender’s assessment.
How much deposit will I need?
It depends on the property, your finances and the lender’s requirements. A 20% deposit can help you avoid lenders mortgage insurance, although smaller-deposit options may be available. Allow for buying costs too, including legal fees, inspections and any stamp duty. We’ll help you understand what may apply to you.
How does the home loan process work?
We start by understanding your goals and financial position, then compare suitable options from our lender panel and explain their costs and features. Once you choose a loan, we help with the application and work through the lender’s requirements towards settlement. Approval depends on the lender’s assessment and criteria.








