Why Homeownership Makes Sense

Buying a home makes sense for so many reasons.

Owning your home eliminates rental uncertainty while building wealth instead of paying someone else’s mortgage.

Many lenders are actively seeking qualified borrowers, and you may have unexplored options even if you’ve been previously discouraged. Right now, the banks are looking for qualified borrowers who are ready to purchase a home.

As a first home buyer, this is the time!

To find out your options, book a free discovery call with Loans for First Homes.

Are You Eligible For A Home Loan?

You may qualify for your first home loan if you meet some of these criteria:


Have a steady income

Demonstrating stable employment in your job or industry for several years strengthens your application.

Have a strong rental history

Consistent rental payments can sometimes substitute for savings history with certain lenders.

Have At Least 5% of the Purchase Price in Savings

Don’t have this amount? We can discuss alternative options requiring smaller or no deposits.

Have Financially Secure Parents

Parents with financial stability may be able to help through guarantor arrangements, reducing your deposit needs.

Cash Gifts or Windfalls

Many lenders accept tax returns, gifts, or windfalls as legitimate deposit sources when properly documented.

Financial Management

Lenders value applicants who can demonstrate responsible financial habits and stability over time.

How We Help

Loans for First Homes provides borrowers in Sydney and surrounding areas with the following:

  • Initial, no-obligation loan assessment call
  • Will meet with you face to face to discuss your options
  • Clear explanation of your options, including loans and lenders
  • Guidance to prepare documentation for your loan application
  • Representation to lenders on your behalf saving you the hassle of chasing them up
  • Feedback on the results of your pre-approval application
  • Unlimited phone and email support while you purchase and settle on your property
  • Access to unlimited free Core Logic Property Reports valued at $40 each

Led by experienced broker Patrick O’Brien, Loans for First Homes provides first home buyers with the step-by-step support you need to understand your options and start climbing the property ladder.

Home ownership is still possible. Talk to an expert today.

Claim Your free loan assessment

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