Contract Paper Signing

HOME LOANS

We understand that buying a home can be a stressful experience.

We can help you answer some of the questions that you may have, including:

  • How much can I borrow?

  • Which bank should I go with?

  • Should I choose variable or fixed interest rate?

  • How much would the monthly repayments be?

  • Do I need an Offset account?

  • How much are the ongoing fees?

  • What else do I need to be aware of?

  • What if something happens to me and I can't pay the repayments?

Whether you are buying your first home, expanding your investment property portfolio or simply looking for a better deal; we will help you find the best home loan solution to meet your needs.

We work with a panel of lenders to find the most ideal home loan structure that fits with your goals, budget and timeframe.

Family Home Guarantee

The Australian Government has announced a new program called the Family Home Guarantee, which provides eligible single parents with dependants the opportunity to build a new home or purchase an existing home with a deposit of 2 per cent, subject to the individual’s ability to service a home loan.


From 1 July 2021, 10,000 Family Home Guarantees will be made available over four financial years.

The Family Home Guarantee is aimed at single parents with dependants, regardless of whether that single parent is a first home buyer or previous owner-occupier. Applicants must be Australian citizens, at least 18 years of age and have an annual taxable income of no more than $125,000. 

First Home Loan Deposit Scheme (New Homes)

Supporting first home buyers looking to build or purchase a new home.

In the 2020-21 Federal Budget, the Australian Government announced an additional 10,000 FHLDS places for the 2020-21 financial year, specifically for eligible first home buyers building or purchasing new homes. These additional places are known as the First Home Loan Deposit Scheme (New Homes) or FHLDS (New Homes).

Eligible first home buyers can use the FHLDS (New Homes) guarantee in conjunction with other government programs like the First Home Super Saver Scheme, HomeBuilder grant or state and territory First Home Owner Grants and stamp duty concessions.

The guarantee is not a cash payment or a deposit for your home loan.

First Home Loan Deposit Scheme

Buying an existing home

The First Home Loan Deposit Scheme is an Australian Government initiative to support eligible first home buyers purchase their first home sooner. Usually first home buyers with less than a 20 per cent deposit need to pay lenders mortgage insurance. Under the Scheme, eligible first home buyers can purchase a modest home with a deposit with as little as 5 per cent (lenders criteria also apply). This is because NHFIC guarantees to a participating lender up to 15 percent of the value of the property purchased that is financed by an eligible first home buyer’s home loan.

10,000 First Home Loan Deposit Scheme places will be available for the 2021-22 financial year from 1 July 2021.

Eligible first home buyers can use the First Home Loan Deposit Scheme (FHLDS or the Scheme) in conjunction with other government programs like the First Home Super Saver Scheme, HomeBuilder grant or state and territory First Home Owner Grants and stamp duty concessions.

The guarantee is not a cash payment or a deposit for your home loan.