First home buyers
Pre-approval, government schemes, deposit options and a plan that gets you to the keys with no surprises.
First home buyers Home Loans
A home loan built around your life, not the lender's.
Whether it's your first home, your next one or a better deal on the one you have, I'll compare more than 40 lenders, explain the trade-offs in plain English and manage everything through to settlement.
Where are you up to?
Each stage needs a different strategy. Here's how I can help with yours.
Your next home
Upgrading, downsizing or buying before you sell. Bridging and structure options explained before you commit.
Buying your next homeRefinancing
A better rate, an offset account, consolidating debt or releasing equity. I compare the full cost of switching, not just the headline rate.
RefinancingProperty investment
Loan structures that keep investment and personal debt clean, and set you up for the next purchase.
Investment loansConstruction & renovation
Progress-payment loans for building or major renovations, managed stage by stage with your builder.
Construction loansWhat I handle for you.
You find the home. I make sure the finance is ready, and stays right for you afterwards.
- Borrowing power across 40+ lendersEach lender assesses income and expenses differently. I find the ones that fit.
- Pre-approval before you bidSo you can make an offer or bid at auction with confidence.
- Loan structureFixed, variable or split, offset and redraw, set up for how you live.
- Documents and lender follow-upMy team and I chase the paperwork so nothing stalls.
- Valuation and settlementCoordinated with your conveyancer, agent and lender.
- A rate review every six monthsEvery six months after settlement, without you having to ask.
Buying your first home in Victoria?
Government support can make a real difference to how much you need to save. I'll check which schemes you're eligible for and factor them into your plan.
- First Home Owner Grant (Victoria)
- A grant for eligible first home buyers who buy or build a new home, subject to a property value cap.
- Stamp duty exemption or concession
- Eligible first home buyers pay no stamp duty on homes up to $600,000, and a reduced amount up to $750,000.
- 5% Deposit Scheme
- An Australian Government scheme that can help eligible buyers purchase with a smaller deposit without paying lenders mortgage insurance.
- Eligibility criteria, property value caps and thresholds apply and change over time. I'll confirm what applies to you before you commit. First home buyers
What might it cost each month?
A quick estimate to start with. For a figure based on real lender policy, I'll run the numbers with you.
Borrowing power calculator40+ lenders. One conversation.
Major banks, regional banks and specialist lenders. I compare them for you, so you don't have to.
Client reviews
She made my first home purchase so easy and stress-free! … She will definitely be my first and last broker manager for all the future properties!
She is efficient, attentive to details, follows through closely with impeccable coordination… Jenny has also proactively negotiated for lower rates when the interest rate was falling back then without me asking.
We had a great experience of refinance our home loan with Circle Finance… This was our second time dealing with them. I would give Circle Finance more than Five Stars.
Questions I'm often asked.
How much can I borrow?
It depends on your income, living expenses, existing debts and deposit, and every lender calculates it differently. The same household can see a noticeably different figure from one lender to the next, which is why comparing across the panel matters. Try the borrowing power calculator for a rough guide, then I'll confirm it against real lender policy.
Do I pay for your service?
For most loans, no. Lenders pay us a commission when your loan settles. Before we go ahead you'll receive our Credit Guide, which explains how we're paid. If a fee ever applies, it's disclosed in writing before you commit.
How long does pre-approval take?
Often a few business days once we have your documents, though it varies by lender and how complex your situation is. Pre-approvals are typically valid for around three months, depending on the lender.
What documents will I need?
Usually photo ID, recent payslips, bank statements, details of any debts and your regular expenses. If you're self-employed, lenders will generally ask for tax returns and financial statements. I'll send you a checklist tailored to the lenders we're considering.
Do you only work with the big banks?
No. Our panel of more than 40 lenders includes the major banks, regional banks, credit unions and specialist lenders, so we can match the lender to your situation rather than the other way around.
Worth a read.
Home loan pre-approval: what it is and when to get one
What home loan pre-approval means, what lenders check, how long it lasts and why it matters before an auction in Victoria.
First home buyer schemes in Victoria: grants, stamp duty and the 5% Deposit Scheme
How the Victorian First Home Owner Grant, first home buyer stamp duty savings and the Australian Government 5% Deposit Scheme work, and who may be eligible.
Offset accounts: how they reduce your home loan interest
How a mortgage offset account works, an illustrative example of the interest it can save, how it compares with redraw and the fees to weigh up.
Ready when you are. Let's talk today.
Send me an enquiry and I'll get back to you as soon as possible.
Start your enquiry Or call me directly0421 066 065Home loans are subject to the lender's credit assessment and eligibility criteria. Government scheme eligibility criteria apply.