Say Goodbye to Renting and Hello to Homeownership.

Are you struggling to save the deposit to purchase your own home?

Download our guide that will walk you through the three general steps to finance your first home. 

Get Your Own Home In 56 Days Or Less

Sign up below to get access to your FREE Copy

What are the benefits of using a Mortgage Broker?

Expert Guidance

Navigate the complex world of mortgages with ease, as brokers offer personalised advice tailored to secure the perfect deal for your first home.

Insider Knowledge

Benefit from our in-depth understanding of government incentives for low-deposit buyers, as we guide you through your options to make your dream home affordable and attainable.

Customised Solutions

A mortgage broker acts as your go-between, communicating with banks and lenders on your behalf, in order to secure you the best deal for your circumstances.

Fantastic Mortgage broker!

James was very helpful throughout the whole buying process, he was available all time of the days and night, and was always happy to answer whatever question we asked. Would 100% Recommend James. We are very happy with the mortgage that we got, he was able to secure some fantastic interest rates, with a mortgage to suit our needs. 

Francesca M  Verified by RateMyAgent 

Streamlined Home Loan Application Process in 3 Easy Steps

Online Application


Getting started on your journey to securing a home loan has never been easier with our simple online application process.



Next, schedule a phone or Zoom call appointment to clarify any additional information and complete the identification process.

Lender Options


Once you have selected your preferred lender and your home loan application is ready, we will email the application to you for signing.

Home Guarantee Scheme

How it works

With three guarantee options, the Australian Government's Home Guarantee Scheme could help you enter the property market faster.

Special rate

You can access interest rates only available to those with a 20% deposit.

Small deposit

Shortcut your saving time, with deposits as low as 2% or 5%

Bye-bye LMI

Say goodbye to the cost of Lenders Mortgage Insurance.

Are you eligible for the Guarantee Scheme?

To qualify for one of the three Home Guarantee Scheme options, you need to at least meet these criteria:

  • Australian citizen(s) or permanent resident(s) over 18 years old
  • Taxable income up to $125k (single applicants) or $200k (joint applicants), based on the latest financial year's Notice of Assessment
  • First-time homebuyer or a previous homeowner who hasn't owned a home in the last 10 years (First Home Guarantee or Regional First Home Buyer Guarantee).
  • Or a single parent or single legal guardian with at least one dependent child, and they don’t currently own a home, or they will not own a separate property upon settlement of their new home (Family Home Guarantee)
  • Min 2% deposit (Family Home Guarantee) or min 5% deposit (First Home Guarantee or Regional First Home Buyer Guarantee).

What are my options if I don't qualify for the Government schemes?

If you are hoping to become a homeowner this year but still need to save the deposit, but you do not qualify for First Home Buyer Schemes, I might have a solution for you.

It's called a deposit boost loan, and if you're eligible, it covers the gap between the deposit you need and your savings so that you can become a homeowner sooner.

The best part is:

  • If you have owned a home before, you may still be eligible for the Deposit Boost Loan. 
  • There is no limit on your income. So if you household income is above $200,000, that is okay.
  • There are no limit on the purchase price.

20% Deposit Boost Loan:

Deposit loans are changing home buying in Australia!

A Deposit Boost Loan is a loan that covers the 20% deposit you need for a traditional loan with the regular 80% LVR home loan from another lender.

Get on the property ladder for just 2% (+GST) upfront, plus government fees.

80% Loan With A Traditional Lender:

Once you have your 20% plus purchase cost covered by the Deposit Boost Loan, you can easily access a standard 80% loan with another lender. This not only helps you avoid LMI (lender Mortgage Insurance), but also simplifies the loan process, making your home buying journey smoother. 

Schedule a time that suits you directly into our calendar.

And discover the best option for your situation, so you can buy your home sooner.

Copyright 2024  Privacy Policy  ABN 78 596 155 035  Australian Credit Representative Number 400033 is authorised under Australian Credit Licence  391237