Home Loans
Home Loans — First Homes,
Upgrades & More.
30+ lenders compared. One broker handling everything. Zero cost to you.
Book a Free 15-Min Chat →What I help with
Every type of home loan, sorted.
Whether it's your first place or your forever home, I'll find the right loan. No sales pitch, no hand-offs — just me comparing 30+ lenders to get you the best deal.
Every situation is different. Maybe you've got a small deposit and need to know about LMI or the First Home Guarantee. Maybe you're upgrading and need to sell and buy at the same time. Maybe you're building from scratch. I've done it all — and I'll walk you through exactly what's possible.
- ✓ First Home Buyers
- ✓ Owner-Occupied
- ✓ Upgraders
- ✓ Construction Loans
- ✓ Family Guarantor
- ✓ Bridging Finance
- ✓ Pre-Approvals
- ✓ Rate Reviews
Your first home. Let's make it happen.
Buying your first home is a big deal — and there's a lot of noise out there. Government schemes, LMI, guarantor setups, low-deposit options. I'll cut through all of it and tell you exactly where you stand. What you can borrow, what it'll cost, and the fastest path to getting the keys.
- ✓ First Home Guarantee
- ✓ Family Guarantor
- ✓ 5% Deposit Options
- ✓ HECS Impact Assessment
Moving up? I'll sort the tricky bits.
Upgrading isn't as straightforward as buying your first place. You might need to sell and buy at the same time. You might want to tap into your equity. Maybe you're building a new place while you live in the current one. I'll map out the options and structure it so you're not stuck or overcommitted.
- ✓ Bridging Finance
- ✓ Pre-Approval
- ✓ Construction Loans
- ✓ Equity Release
Simple process.
How it works
No complicated process. No sitting in an office. Three steps from first chat to settled.
Book a free 15-min chat
No prep needed. Just tell me what you're trying to do — buy, refinance, invest. I'll tell you straight what's possible and what to expect.
I compare 30+ lenders
I do the research, crunch the numbers, and come back with the best options for your situation. You get real comparisons — not just whatever the bank's pushing this month.
You choose — I handle everything
Pick the loan that fits. I handle the paperwork, liaise with the lender, and keep you updated until the keys are in your hand (or the money's in your account).
Zero cost to you. Brokers are paid by the lender, not the client. My service is completely free.
Home loan questions.
Things people ask about home loans
It depends on your income, expenses, existing debts and deposit size. As a rough guide, most lenders will lend around 6x your gross income — but every lender calculates it differently. I'll run the numbers across multiple lenders so you know your actual borrowing power, not just a guess.
It's a government scheme that lets eligible first home buyers purchase with as little as 5% deposit — without paying Lenders Mortgage Insurance (LMI). The government guarantees the gap between your deposit and the usual 20%. There are limited spots each financial year, so it's worth checking eligibility early.
Yes. Plenty of people buy with 10% or even 5% deposit. You'll usually need to pay LMI (Lenders Mortgage Insurance) if you're under 20%, but there are ways to avoid it — like the First Home Guarantee or using a family guarantor. I'll walk you through exactly what applies to your situation.
LMI (Lenders Mortgage Insurance) is a one-off fee you pay when your deposit is less than 20%. It protects the lender, not you. You can avoid it by saving a 20% deposit, using a family guarantor, or qualifying for the First Home Guarantee scheme. I'll show you the exact cost vs. the alternatives so you can make the right call.
Most pre-approvals are valid for 90 days, though some lenders give you up to 6 months. If it lapses, we can usually renew it pretty quickly as long as your situation hasn't changed much. I always recommend getting pre-approved before you start looking — it gives you confidence at auctions and with agents.
Let's chat.
Wherever you are in Australia — just a straight conversation about what's possible for you.
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Always on the Road
Based in a van — working with clients nationwide
Phone
Hours
7 days: 8am – 8pm AEST