Know What You Can Actually Afford Before You Buy Your First Home

Without Having To Figure Out The Finance Side Yourself

I’ll work out your borrowing capacity, deposit, purchase budget, government schemes and lender options — then help manage the finance through to settlement.

Let’s See What Your Buying Position Looks Like

Answer a few quick questions about your situation. Takes around 2 minutes.

What would you like help with? *

How much can I borrow

How much savings do I need

Which grants and schemes may I be eligible for

Understand the hidden costs of buying

Tips to improve my borrowing capacity

(Select all that apply)

Who is applying for the home loan? *

Just me

Me & someone else

Approximately what price are you hoping to pay for your first home? Choose the closest range. An estimate is fine.

Approximately what is your combined household income before tax? *

Under $70,000

$70,000–$100,000

$100,000–$150,000

More than $150,000

Approximately how much have you already saved towards your first home?

Ideally, when would you like to buy your first home? *

Which state do you want to buy in? *

Your name *

Email *

Phone *

Next, choose a time for your free first home buyer consultation.

We’ll discuss your situation, whether your target purchase price looks achievable, and your next steps.

TESTIMONIALS

Buying your first home doesn't have to be overwhelming.

Here's what happened after these first home buyers got the right guidance.

Here’s What I Can Help You Understand

how much you may be able to borrow
what grants and schemes could help
how much savings you may need
how lenders assess applications
what hidden costs to prepare for
what your next steps could look like

STILL NOT SURE?

Frequently Asked Questions

Here's what I usually get asked.

What will I understand after the consultation?

We’ll discuss whether your target purchase price looks achievable, whether your savings look sufficient, and which first home buyer schemes may apply.

You’ll leave with a clearer understanding of your position and what to do next. Any figures discussed are initial estimates that need to be checked against your documents and lender requirements before proceeding.

Is the consultation really free?

Yes. There’s no charge for the consultation, and I don’t charge you a fee for my mortgage broking service.

I’m paid a commission by the lender after your loan settles. The lender doesn’t charge that commission to you or add it to your loan.

Will this create a credit enquiry?

No. I don’t submit a loan application or conduct a credit check during this consultation, so the conversation won’t create an enquiry on your credit file.

If you decide to proceed, I’ll explain the next steps before we submit an application.

Is the consultation by phone or Zoom?

You can choose a phone call or Zoom meeting.

After booking, you’ll receive an SMS so you can let me know which you prefer.

What should I have ready?

It helps to have an approximate idea of your income, savings, existing debts and the price range you’re hoping to buy in.

If you’re buying with someone else, include their financial information too. Estimates are fine for our initial conversation. You don’t need to upload financial documents to book.

How long does the consultation take?

Your appointment is booked for 30 minutes. We’ll focus on your situation, your main questions and what needs to happen next.
Plus, we'll have extra time at the end for any questions that you may have.

Do I need to have found a property already?

No. We can discuss your buying position before you find a property, so you have a clearer idea of which price range to search within.

If you’ve already found somewhere you’re interested in, we can discuss that too.

What if I’m unsure whether I’m ready to buy?

This consultation is designed for first home buyers with a steady income, savings towards a deposit and plans to buy soon.

You don’t need to know whether your target price is achievable before speaking with me. That’s something we’ll discuss. If there’s a gap, I’ll explain what would need to change.

What happens after the consultation?

If your initial position looks suitable and you want to proceed, I’ll send you a link to complete a fact find and upload documents through the client portal.

I can then verify your financial position, research suitable lenders and explain my recommendation before we prepare an application.

What Working Together Could Look Like

I’ll guide you through the process step by step.

Step 1 — Understand Your Situation

- your goals

- how much you may be able to borrow

- grants or schemes that could help

- what your next steps could look like

Step 2 — Compare & Prepare

- review your documents

- compare lender options

- check eligibility

- prepare the strongest application possible

Step 3 — Pre-Approval & Property Search

- help you get pre-approval

- guide you through the buying process

- answer questions along the way

Step 4 — Formal Approval & Settlement

- manage communication with the lender

- help coordinate the process

- support you through to settlement

Step 5 — Ongoing Support

- ongoing support after settlement

- home loan reviews

- refinancing guidance

- help with future plans

Ready to get started?

Meet Your Mortgage Broker

Hey, I'm Sam

Helping first home buyers feel more confident about property.

Buying property can feel confusing when you’re trying to work everything out on your own.

My role is to help simplify the process, explain your options clearly, and guide you through each step along the way.

Whether you’re buying your first home, upgrading, or investing, I’ll help you understand what may be possible and support you from pre-approval through to settlement and beyond.

No pressure. No confusing jargon. Just honest guidance tailored to your situation.