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

With some strategic forward planning, owning your own home and growing a property portfolio is definitely possible. Talk to us about how to get started.

Often first home buyers believe they need between 10 and 20 per cent deposit to purchase a home. This is not necessarily the case. It may even be possible to purchase your first home without any deposit. Contact Loans for First Homes to discover your options.

Some lenders allow first home buyers to use a cash gift as a deposit for their own home so this is definitely an option which can be explored.

Yes, some lenders will give loan approval based on your parents’ assets and financial status, and your own financial profile.

In some cases, it is possible to rely on your rental history to prove your ability to pay off a loan. Arrange a call with Loans for First Homes to find out more.

‘Best’ is difficult to define when it comes to home loans as there are so many options. With the help of a professional broker, you can determine which loan is most suitable for you and which lender is most likely to grant you approval. We will always do our best to ensure you obtain the best loan for your situation.

Fixed vs variable, offset accounts, split loans… There are so many products out there. Work with experts who can explain how to structure your loan based on your long-term goals.

Claim Your free loan assessment

Find out if you qualify for a home loan based on your income, savings and expenses