Your first home, without the guesswork.

In most cases, no. The lender pays us a commission when your loan settles, and we disclose exactly what we’re paid. If a fee ever applied to your situation, you’d know before we started. Our recommendation is based on what suits you, not what pays most.

Often 5% plus costs. Under the government scheme you pay no lender’s insurance at all; outside it, 5–10% deposits are still possible with the insurance added to the loan. The right answer depends on your price range, which is exactly what the borrowing assessment works out.

Usually there are options, the difference is which lender. Some accept casual income after 3–6 months, some accept probation with a strong profile, and several specialist lenders read self‑employed income sensibly. This is where a broad lender panel earns its keep.

Lenders mortgage insurance protects the lender when your deposit is under 20%. You can avoid it with a 20% deposit, the Australian Government 5% Deposit Scheme, a guarantor, or certain professional‑package lenders. If it does apply, it can usually be added to the loan.

Typically around 90 days, and it can be refreshed. We keep your file current so the formal application moves quickly when you find the home, final approval always remains subject to the lender’s verification and their valuation of the property.

Yes, a guarantor arrangement uses equity in their home as security for part of your loan. It can mean no cash deposit and no lender’s insurance, and the guarantee is released once you reach 20% equity. We walk both generations through the risks and protections.