5% Deposit Scheme
Buy with as little as 5% deposit and no lenders mortgage insurance. Since 1 October 2025 there are no income limits or caps on places, and the price cap in Sydney is $1.5 million.
Official details ↗ (opens in a new tab)
Helping clients Australia-wide
Home loans, compared and explained.
First home, next home, investment or refinance. We compare 50+ lenders, explain your options in plain English and handle everything through to settlement.
50+lenders compared
5+years broking
7 daysevening & weekend appointments
We work with
A bank sells its own loans. We compare 50+.
Same goal, very different experience. Here's what changes when a broker does the legwork for you.
Our home loan service is free to you. Lenders pay us a commission, which we disclose before you go ahead.
What matters
🏦Going to a bank
With usChoice of loans
Going to a bank: One lender's range
With us: 50+ banks and non-bank lenders
Whose interests come first
Going to a bank: Recommends its own products
With us: Brokers must act in your best interests by law
If your situation is complex
Going to a bank: One set of lending rules
With us: A lender whose policy fits you
Paperwork and follow-up
Going to a bank: Mostly up to you
With us: Prepared, lodged and followed up for you
After settlement
Going to a bank: Your rate drifts unless you ask
With us: A loan review every year
From first chat to keys in hand.
Four steps, with your broker handling the detail at every one. Tap a step to see what's involved.
Step 1 of 4
Free consultation
We talk through your goals, income, expenses and timeline, in person, by phone or on video, and explain what's realistic before you commit to anything.
What you'll need
A rough idea of your income, savings and debts. No paperwork yet.
Timing
30 to 60 minutes
Step 2 of 4
Compare and shortlist
We check your documents, confirm your borrowing power and narrow 50+ lenders down to a few strong options, explaining the trade-offs of each.
What you'll need
Payslips or tax returns, recent bank statements and photo ID.
Step 3 of 4
Apply and approve
We prepare and lodge your application, answer the lender's questions and keep you updated until it's approved.
What you'll need
Your signature on the application and quick replies to any lender requests.
Step 4 of 4
Settle and review
We work with your lender and conveyancer through to settlement, then review your loan every year to keep your rate competitive.
What you'll need
Your contract of sale and conveyancer's details.
Timing
Set by your contract of sale
Services
Every kind of loan, from first homes and refinancing to SMSF and commercial.
Complex scenarios
Self-employed, on a visa or rebuilding credit? See how lenders can still say yes.
Calculators
Quick estimates for borrowing power, upfront costs and refinancing, plus 28 more.
FAQ
Straight answers on fees, deposits, self-employed loans and more.
Help for first home buyers in NSW.
Government schemes can save first home buyers tens of thousands of dollars. Check which ones could apply to you →
Stamp duty savings
Eligible first home buyers pay no transfer duty on homes up to $800,000 and reduced duty up to $1 million. Our upfront costs calculator shows your figure.
Official details ↗ (opens in a new tab)Get pre-approval first
Conditional approval tells you exactly how much you can spend, so you can make offers and bid at auction with confidence.
Start my pre-approval →Rules as at November 2026. Government schemes change and eligibility criteria apply. We'll confirm what applies to you.