
Your First Home Journey Starts Here
Taking your first step on the property ladder should not be overwhelming. Many Australians wonder if home ownership is possible for them—we are here to show you it is.
With the right guidance, you can move from uncertainty to approval faster than you might think. Since 2001, Loans for First Homes has specialised in turning first home dreams into reality.
Led by Patrick O’Brien, we focus exclusively on helping first-time buyers navigate the home loan process with confidence.
How we Help
Your Path to Home ownership in Four Simple Steps

Initial Assessment
We evaluate your income, employment, and savings to identify viable loan options tailored to your situation.

Documentation Support
We guide you through collecting and organising all necessary paperwork for a strong application.

Strategic Application
We submit your application to the most suitable lender and negotiate competitive interest rates on your behalf.

Pre-approval to Settlement
Once pre-approved, we support you through property selection, offer negotiation, and the settlement process.
Claim Your free loan assessment
Find out if you qualify for a home loan based on your income, savings and expenses
Meet Our Founder

Patrick O’Brien
Director & Founder
Patrick has specialised in first home buyer loans since 2001. With a Bachelor of Business in Accounting, Finance, and Marketing from UTS, he combines technical expertise with a genuine passion for helping Australians achieve home ownership.
“I enjoy helping people achieve their dreams of purchasing their first home, and helping educate them on all aspects of the process, from getting a pre-approval, to researching suitable properties and strategies to pay the loan off quicker”, says Patrick.
A seasoned investor himself, Patrick can also provide advice on subsequent loans, refinancing and using equity to build a property portfolio after your first purchase. If you are based in Sydney, Patrick can come to you to discuss your home loan options in person.
Once you have pre-approval, you can start shopping for your loan. Loans for First Homes will guide you through the offer and settlement period.
Frequently Asked Questions
Claim Your free loan assessment
Find out if you qualify for a home loan based on your income, savings and expenses