First Home Buyer Broker in Ballarat
Buying your first home is one of the biggest financial decisions you'll make — and it should feel exciting, not overwhelming. We're here to walk you through every step, from understanding what you can afford to picking up the keys on settlement day.
Book a free chatMaking your first home feel achievable
Find the right loan from 40+ lenders
We're not tied to one bank. We compare home loans across our full panel to find the one that fits your situation — not just the lowest rate, but the right structure, features, and flexibility.
Navigate grants and schemes
First Home Owner Grant, stamp duty exemptions, the First Home Guarantee — there's real money available if you know where to look. We'll make sure you don't miss anything you're entitled to.
Explain everything in plain English
No jargon, no assumptions. We'll walk you through every step so you understand exactly what's happening and why. You'll never feel like you're in the dark.
Respond quickly and keep you updated
Austin is known for being responsive. When you have a question or something changes, you'll get a straight answer fast — not a voicemail and a two-day wait.
Four steps to clarity
Here's how working with us actually works — no surprises, no runaround.
Initial Chat
We sit down (in person, over the phone, or on video) and get to know your situation — your income, savings, goals, and timeline. No cost, no obligation.
Research
We compare options across 40+ lenders and find the loans that suit your situation. We'll explain the pros and cons of each so you can make an informed decision.
Application
We handle the paperwork, submit your application, and manage all the back-and-forth with the lender. You'll be kept in the loop at every stage.
Settlement
We stay involved right through to settlement day — and beyond. We'll check in regularly to make sure your loan is still working for you.
Frequently asked questions
How much deposit do I need to buy my first home?
Most lenders require a minimum deposit of 5% of the purchase price. If you can save 20%, you'll avoid paying Lenders Mortgage Insurance (LMI), which can save you thousands. There are also government schemes like the First Home Guarantee that let eligible buyers purchase with as little as 5% deposit without paying LMI.
How much can I borrow?
Your borrowing capacity depends on your income, existing debts, living expenses, and the lender's criteria. Every lender calculates it slightly differently, which is one of the reasons working with a broker is so valuable — we can find the lender whose policies work best for your situation. A quick chat with us can give you a clear idea of your range.
What costs are there beyond the deposit?
You'll need to budget for stamp duty (though first home buyers may be exempt or receive a concession), conveyancing or solicitor fees ($1,000–$2,500), building and pest inspections ($400–$700), loan establishment fees, moving costs, and ongoing costs like council rates, insurance, and utilities. We recommend having a buffer of a few thousand dollars after settlement.
How long does pre-approval take?
Pre-approval typically takes a few days to a couple of weeks, depending on the lender and the complexity of your application. Once approved, it's usually valid for three to six months. We recommend getting pre-approved before you start seriously house hunting — it gives you confidence and shows sellers you're a serious buyer.
Does using a broker cost me anything?
In most cases, our service doesn't cost you a cent. We're paid a commission by the lender when your loan settles. This means you get access to 40+ lenders, expert guidance, and someone managing the process for you — at no direct cost. We'll always be upfront about how we're paid.
Ready to buy your first home?
Book a free chat with Austin — no pressure, no jargon. Just a straightforward conversation about where you're at and what's possible.
Book a free chat with Austin