First Home Buyers
Your first home, without the overwhelm.
Buying your first home is exciting — and let's be honest, a bit terrifying. Ryan walks you through every step in plain English, helps you understand exactly what you can borrow, and makes sure you don't leave any government grants on the table.
Sound like you?
- You're saving a deposit and not sure how much you actually need
- You've heard about grants and schemes but don't know what you qualify for
- You want someone to explain the process before you commit to anything
- You've been pre-approved elsewhere but the numbers didn't make sense
The mistakes Ryan sees every week
Waiting for a 20% deposit
Plenty of first home buyers get in with 5% — sometimes less with the right scheme or a family guarantee. Waiting years to save 20% can cost more than the lenders mortgage insurance you were trying to avoid.
Applying with multiple lenders at once
Every application leaves a mark on your credit file. Scattergun applications can hurt the very approval you're chasing.
Maxing out borrowing power
Just because a bank will lend it doesn't mean you should borrow it. Ryan helps you land on a repayment you can actually live with.
Come and have a chat before you start looking at houses — not after you've fallen in love with one. When you know your numbers first, you shop with confidence, negotiate harder, and never waste a weekend inspecting homes outside your range. And check your grant eligibility early; the First Home Guarantee and Queensland grants can save you tens of thousands, but the rules are specific.
Quick answers
It depends on your situation, but many first home buyers get started with 5% — and government schemes can help you avoid lenders mortgage insurance entirely. Let's run your numbers and see.
Depending on your situation you may be eligible for the first home owner grant, stamp duty concessions, and the First Home Guarantee. Ryan checks all of them as part of every first home chat.
Usually a few business days once your documents are in. Ryan preps your application properly the first time so it doesn't bounce back with questions.
Let's talk about first home.
Fifteen minutes, plain English, zero obligation. Worst case, you leave with clarity. Best case, you leave with a plan.
Typical response time: same business day.