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 ↗
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+.
Big four, online lenders and specialists. We shortlist the ones whose rates, features and policy actually fit you, not just whoever advertises most.
Book a free consultation →50+ lenders
Banks and non-bank lenders on one panel, compared for you.
Plain English
Rates, fees and features explained, so you know exactly what you're signing.
Tricky situations
Self-employed, new job or building? We know whose policy says yes.
See complex scenarios →Yearly rate check
Rates drift after settlement. We review yours every year at no cost.
Services
Every kind of loan, from first homes and refinancing to SMSF and commercial.
How it works
Four steps from your first chat to keys in hand.
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 ↗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.