Navigate first home buyer grants, stamp duty concessions, and lender requirements across Australia. Our brokers compare loan products to find the right fit for your deposit and income.
Buying your first home is one of the biggest financial decisions you will ever make, and navigating government grants, stamp duty concessions, and lender requirements can feel overwhelming. We simplify the process by comparing loan products to find the right fit for your deposit, income, and lifestyle. Whether you are purchasing in Sydney, Melbourne, Brisbane, or regional Australia, our brokers understand the local market and the incentives available in every state and territory.
Access up to $30,000 in government grants depending on your state or territory. We help you check eligibility and lodge your application alongside your loan.
First home buyers in NSW, VIC, QLD, and other states may pay zero or reduced stamp duty. We calculate your exact savings based on property value and location.
Some lenders accept deposits as low as 2% for first home buyers. We identify which products suit your savings position and explain the trade-offs involved.
Use a family member's property equity to avoid Lenders Mortgage Insurance (LMI) and reduce your upfront costs. We structure guarantor loans to protect both parties.
The Australian Government's Home Guarantee Scheme lets eligible buyers purchase with as little as 5% deposit without paying LMI. We manage the application process for you.
If your deposit is below 20%, LMI may apply. We compare LMI premiums across lenders and find options that capitalise the cost or waive it entirely for qualifying buyers.
General Advice Warning: The information provided on this page is general in nature and does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate for you before acting on it.
We review your income, expenses, and savings to determine your maximum borrowing power. You will receive a clear picture of what you can afford before you start looking.
We identify every government grant, concession, and guarantee scheme you qualify for based on your state, property type, and personal circumstances.
We compare rates, fees, and features across our panel of over 40 lenders and secure your pre-approval so you can bid with confidence at auction or make an offer.
We coordinate with your solicitor, lender, and real estate agent through to settlement day. After you move in, we continue monitoring your rate to ensure it stays competitive.
Real reviews from real clients across Australia
"We would like to thank Stephen and Jeng so much for their assistance and support in our refinancing process. The team were proactive and always available to help."
"Stephen's professionalism, attention to detail, and genuine care made the entire mortgage process smooth and stress-free. He secured us the best rates when our first bank delayed."
"Damien and Jeng were amazing to deal with! They helped us refinance our home loan so we could get our renovations underway. The process was easy and stress-free."
"Damien was efficient and friendly. In a blink of an eye he got me from point A to B."
"Damien was very helpful, easy to communicate with. Kept me informed all the way and successfully refinanced my mortgage with a much better deal."
"Stephen and his team are highly recommended; my SMSF lending case was a complex one, but Stephen found some options. Great communication and responsiveness throughout."
"Damien from Manage Your Loans was fantastic in every step of our refinancing. Always available on the phone whenever questions needed to be answered."
"We were very impressed with the support we received during our home loan process. Damien's expertise and professionalism stood out."
"Stephen was great throughout the whole process. He kept me up-to-date and informed the entire time."
"Stephen Vider from Manage Your Loans helped me greatly through the refinance process. He was very transparent throughout."
"Ben was absolutely friendly and made the entire refinancing process completely stress-free for us. He took the time to understand our needs."
"We gave Damien from Manage Your Loans a complex challenge as we were refinancing 3 separate mortgages on two properties. He completed the intricate case successfully."
"Great service, MYL managed to get a better deal from the same bank! A must go for your home loan."
"Damien was a pleasure to deal with. Walked me through the whole process. Made everything very simple."
"We wish to acknowledge the outstanding service we experienced throughout the refinancing process. Damien's professionalism and industry knowledge were remarkable."
"Amazing! Debra and the team took exceptional care of us while getting a home loan for our first home in Australia."
"Second time around with Damien. Highly recommend him for his honesty, integrity and personalised service."
"The team from Manage Your Loans has been really helpful in doing my refinance to another lender. Thank you Deb, Grace and Leanne."
"Damien was fantastic as our mortgage broker! From start to finish, he was knowledgeable, professional, and incredibly helpful."
"The team at Manage Your Loans were amazing. Leanne and Nathan were with me every step of the way and successfully got over the line a new loan for my Self Managed Super Fund."
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