First Home Buyers Home Loans.

Step by step mortgage solutions for first home owners.

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Buy Your First Home Sooner.

The Freedom of Home Ownership.

Owning your first home is an exciting journey leading to freedom from paying rent and the freedom to live your life the way you want. However, there is lots to do before you start searching for your dream home.

A great starting point is knowing if you qualify for any Government grants and schemes, understanding how much deposit you need to save, and what your upfront and ongoing costs will be. Engaging a mortgage broker and a licensed conveyancer or solicitor will help you answer these questions.

If you are struggling to save a big deposit, don’t stress. The Australian Government wants to encourage home ownership and there are various incentives you may be eligible for that will help you to buy your first home sooner.

Hundreds Of Tailored Home Loans Options.

Home Loans From Over 30 Trusted Lenders.

Let us quickly perform a free mortgage assessment to ensure the most suitable home loan package for your individual circumstances and preferences.

Australian Military Bank
Suncorp Bank
Bank of Melbourne
Bluestone Home Loans
St. George Bank
Bluebay home loans
AAA Financial Corporation
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Tailored Mortgage Solutions For First Home Owners.

We Clarify Everything For You.

Specialist Mortgage have access to hundreds of home loan options and will provide you with a selection of mortgage packages that suit your individual circumstances.

Whether you are searching for the highest borrowing capacity, lowest rates, most flexible features, or lowest cost fees, we’ve got you covered.

As a first home buyer you might be able to get into your first home with little to no deposit by taking advantage of the First Home Buyers Grant (FHOG), First Home Super Save (FHSS) scheme and First Home Owner Stamp Duty Concessions.

We clearly explain the home loan process, different types of home loans and their features, we will help you to understand bank terminology, and support you all the way through to settlement.

Buying your first home can be simple and seamless with the right team. Are you ready to take the first step?

Young couple happy in new home after getting a home loan

Home Loan Calculators.

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Borrowing Power Calculator.

Start your buying journey and find out how much you may be able to borrow today.

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Mortgage Repayment Calculator.

Calculate your estimated home loan repayments or see how refinancing could save you money.

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Budget Planner.

Find out how much money you could save on a weekly, monthly or annual basis. 

Young couple on couch in their new home.

The Importance Of Getting A Pre-Approval.

A home loan pre-approval indicates how much you may be able to borrow from a lender or a bank. It gives you the confidence to shop for your dream home as you will know your budget. You will also be taken more seriously by sellers and agents as they know you have capacity to buy.

You can arrange a pre-approval through our mortgage brokers. You will require ID as well as evidence of income, expenses, assets, debts, and lines of credit such as credit cards. A pre-approval will generally last for 3 months, after which you may be able to apply for a 3 month extension.

A pre-approval is important because it establishes your budget, no matter what type of property you’re considering buying, be it an established home, under-construction or off-the-plan home, or even a house and land package.

We can help determine your borrowing capacity and likely repayments.

Step by step
We’ll help you make sense of everything that you don’t understand and highlight important key considerations.
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A Lending Hand.

We can help you navigate the finance application process for new and established properties so that you can buy a home with knowledge and confidence.

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Zero Cost to You.

Committed to finding the right solution for your budget and circumstances, and our service to you is free.

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Only the Best.

We compare home loans produced from Australia’s leading lending institutions and present tailored solutions for you and your individual circumstances.

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How a Broker Can Help First Home Buyers.

Specialist Mortgage can help you secure your first home.

Finding the most competitive rates and terms.

A mortgage broker has access to a wide range of mortgage products and lenders for first home buyers, some of which you might not be able to access on your own. They can therefore help you find the best rates and most attractive terms based on your financial situation.

Expert Advice.

First-time home buyers may find the process of securing a mortgage to be complicated and overwhelming. A mortgage broker can provide expert advice and guidance throughout the process, from explaining different types of mortgages to advising on what you can afford.


Mortgage brokers can assist you in getting pre-qualified or pre-approved for your first home loan, which can give you a better idea of your budget when you start looking for homes. This can also make you more attractive to sellers.

Negotiating Power.

Mortgage brokers can use their relationships with lenders to negotiate on your behalf, potentially securing a better deal than you could get on your own.

Young couple researching first home loans
Young couple researching first home loans

Streamlining the Process.

Mortgage brokers handle the application process for you, from gathering necessary documentation to submitting the application to the lender. This can save you time and reduce stress.

Saving Money.

By finding the most competitive mortgage rates and terms, a broker can help you save a significant amount of money over the life of your mortgage.

Credit Score Protection.

When shopping around for mortgage rates, multiple credit checks can hurt your credit score. But when a mortgage broker does this on your behalf, lenders see it as one inquiry, which can protect your score from dropping.

Navigating Complex Situations.

If you have a complex financial situation, such as self-employment or bad credit, a mortgage broker may be able to find lenders willing to work with you when traditional banks might not

Ready to get your first home?

We Offer The Service And Support You Deserve.

Contact Us.