Stop Renting. Start Owning
ATTENTION: FIRST HOME BUYERS
ATTENTION: FIRST HOME BUYERS
Stop Renting.
Start Owning
Clear home loan guidance for Aussie first home buyers - no confusion, no guesswork.
Clear home loan guidance for Aussie first home buyers - no confusion, no guesswork.
Answer a few quick questions
and see what's possible.
Takes under 2 minutes. No commitment, no jargon.
You're all set!
Thanks — I'll take a look at your answers and come prepared. Sending you to my calendar now to lock in a time.
How much can you borrow?
Get a realistic estimate of your borrowing power and see exactly what deposit you need to get into your first home.
General information only. This calculator provides an estimate for illustrative purposes and does not constitute financial advice or a credit assessment. Actual borrowing capacity depends on your full financial situation, lender policies, and credit history. Results assume a standard variable rate of ~6.2% p.a. inclusive of a 3% serviceability buffer. LMI costs vary by lender and LVR. Government scheme eligibility (First Home Guarantee, Help to Buy) is subject to income and property price caps. Always seek advice from a qualified mortgage broker before making financial decisions.
“Customer satisfaction isn’t a slogan for us, it’s the standard we hold ourselves to every single time.”
You’re Probably Wondering
You’re not alone.
Most first home buyers feel overwhelmed before they even start. There’s too much information, too many opinions, and not enough straight answers.
That’s where I come in.
How much deposit do I really need?
Can I buy with 5%?
How much will the bank lend me?
What grants am I eligible for?
What if I apply and get rejected?
First Home Loans, Done Properly From Day One
I work specifically with first home buyers who want clarity before making an offer.
Instead of walking into a bank guessing your numbers, we build a strategy first.
That means:
Understanding your real borrowing power
Structuring your deposit properly
Assessing eligibility for government grants
Choosing the right lender for your situation
Securing pre-approval the right way
No scrambling. No rushed applications. No unnecessary credit hits.
About Roberto
Mortgage Broker
I’m Roberto Puda, a Mortgage Broker with over seven years of experience helping Australians secure the right finance solutions. I’m proud to be part of Neo Finance Group in Hamilton, NSW, where we focus on clear, client-first lending advice.
Today, I specialise in helping first home buyers navigate one of the biggest financial decisions of their lives.
I’m transparent, hardworking, and I don’t do the usual runaround. You’ll get straight answers, honest advice, and a clear path to pre-approval. No jargon. No fluff. Home loans should feel structured and strategic, not overwhelming.
I work closely with first home buyers to understand their income, savings, and long-term goals, then build a lending strategy that gives them the strongest chance of approval. From deposit planning and borrowing capacity to grants and lender selection, I guide you through every step.
Buying your first home isn’t just about getting a loan. It’s about setting a strong financial foundation for the future.
Let’s simplify the process and get you moving toward your first set of keys.
Imagine Knowing Exactly Where You Stand
Instead of guessing, you’ll know:
✔ What you can afford
✔ What your repayments look like
✔ Whether 5% deposit is realistic
✔ What your next step should be
Clarity changes everything.
How Our Process Works
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In most cases, you’ll need between 5% and 20% of the property value. The exact amount depends on the lender, your financial position, and whether you qualify for any government schemes. We assess your situation first so you know what’s realistic before you start house hunting.
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Yes, in some cases you can. Certain lenders and government schemes allow eligible first home buyers to purchase with as little as 5% deposit. Eligibility depends on income, property price, and other criteria. We’ll check what applies to you and structure it correctly from the start.
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Your borrowing capacity depends on your income, expenses, existing debts, and lender policy. Online calculators can give rough estimates, but they don’t account for lender-specific rules. We calculate your true borrowing power based on real credit policy before you make an offer.
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Yes, they can. Lenders assess all financial commitments when calculating borrowing capacity. It doesn’t mean you can’t buy, but it needs to be factored in early so there are no surprises during the application process.
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Depending on your location and eligibility, you may qualify for the First Home Owner Grant, stamp duty concessions, or the First Home Guarantee Scheme. Each has specific criteria and property price limits. We’ll check what applies to your situation and guide you through the process.
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Pre-approval is conditional approval from a lender before you purchase a property. It confirms how much you can borrow and strengthens your position when making an offer. In most cases, securing pre-approval first is the smart move.
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It can take anywhere from a few days to a couple of weeks, depending on the lender and how quickly documents are provided. We help prepare everything properly upfront to avoid delays.
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A properly structured assessment can be done without unnecessary credit enquiries. We avoid submitting multiple applications and make sure your file is ready before lodging anything formally.
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That’s completely fine. Sometimes the first step is simply understanding your numbers and building a plan. If you’re not ready today, we’ll map out what needs to happen so you can move forward confidently when the time is right.
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In most cases, no. Brokers are generally paid by the lender once your loan settles. If there are any potential costs involved, they’re explained clearly upfront.
FAQ
Grants & 5% Deposits
Can You Buy With a 5% Deposit?
In some cases, yes.
Depending on your eligibility, you may qualify for:
First Home Owner Grant
Stamp duty concessions
First Home Guarantee Scheme
Low deposit lending options
We assess what applies to you and structure your application accordingly.
Not everyone qualifies. But many people assume they don’t when they actually might.
Why Use a Broker Instead of a Bank?
Banks can only offer their own products.
I compare multiple lenders to find the right fit for your situation.
That means:
More lending options
Competitive rates
Policy knowledge across different banks
Higher chance of approval when structured properly
Your first home purchase deserves more than a one-size-fits-all approach.
Ready to See What’s Possible?
Book a free first home strategy session and get clear on:
Your borrowing capacity
Deposit options
Grants available to you
The exact next steps to secure approval