Got a question about finding the right loan for you? Call us on 0490 068 933.
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Buying your first home doesn't have to be overwhelming
Between deposits, government schemes, borrowing capacity, interest rates and property prices, it's easy to feel overwhelmed.
The good news? You don't need to figure it all out on your own.
The truth? Most first home buyers have the same questions.
- How much can I borrow?
- How much deposit do I need?
- Can I buy with 5%?
- What government schemes am I eligible for?
- What are the hidden costs?
- When should I get pre-approved?
That's where we come in.
At Broker That, we help first home buyers understand their options, build a strategy and navigate the process with confidence.
No jargon. No pressure. Just clear guidance and real support.
Thinking About Buying In The Next 12 Months?
You don't need to be ready to buy tomorrow. In fact, some of the best conversations we have are with people who are still 6-12 months away.
Understanding your borrowing power early can help you create a plan and avoid surprises later.
How We Help First Home Buyers
Understand Your Borrowing Power
Before you start scrolling through realestate.com.au or attending open inspections, it's important to understand what a lender may be willing to lend and what repayments will look like.
We'll help you understand:
- Your borrowing capacity
- Your estimated repayments
- Your deposit position
- The costs involved in purchasing
- Which lenders may be suitable for your situation
Navigate Government Schemes
Government schemes can be incredibly valuable, but understanding which ones apply to you can be confusing.
We'll help you explore options such as:
- First Home Guarantee Scheme
- First Home Owner Grant
- State-based stamp duty concessions
- Other incentives that may be available
Most importantly, we'll help you understand whether these schemes actually make sense for your circumstances.
Get Pre-Approval Ready
Pre-approval can provide confidence when you're searching for a property, but it's important to understand what it does - and doesn't - mean.
We'll guide you through:
- Document preparation
- Lender selection
- Application strategy
- Understanding lender policy
- Property considerations
Support Beyond Approval
Getting approved is only part of the journey.
We'll continue supporting you through:
- Property searches
- Finance questions
- Contract considerations
- Valuations
- Formal approval
- Settlement
Why Work With Broker That?
There are plenty of lenders and comparison websites out there. What they don't provide is personalised advice.
Every lender has different policies.
Every buyer has different goals.
The lender with the lowest interest rate isn't always the lender that's going to give you the best outcome.
That's why we take the time to understand your situation and help you find a solution that's right for you.
Whether you're buying with a 5% deposit, using family support, saving for your first property or simply wanting to understand where you stand, we're here to help.