Initial conversation
Discuss your property goals, timeframe, income, savings and existing financial commitments.
First Home Buyer Finance
Your first home, with a clearer path forward.
Understand your borrowing position, deposit requirements, lender options and next steps before you start making offers.
Access to 50+ lendersPre-approval guidanceFrom assessment to settlement
Your first-buyer roadmap
Know what happens before, during and after you find a property.
Buying your first home can feel complex. Breaking the finance journey into clear stages helps you understand what to prepare and what comes next.
Borrowing assessment
Review your potential borrowing position, deposit needs and the costs that may form part of buying.
Lender comparison
Consider suitable options from the available lender panel based on your circumstances and objectives.
Pre-approval
Prepare the application and supporting documents so you can approach your search with greater clarity.
Property and approval
Once you find a property, confirm the details and progress the lending application for lender assessment.
Settlement support
Stay informed as the lender, conveyancer and other parties work towards settlement of your new home.
What we review
Clarity begins with your complete financial picture.
We start by reviewing the information lenders may use when assessing an application, then explain how it can affect your options.
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Income and employmentIncluding employment type, income history and supporting documents.
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Living expenses and commitmentsExisting debts, credit limits and ongoing financial obligations.
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Savings and depositYour available funds, savings history and potential purchase costs.
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Property goalsPreferred location, property type, target budget and buying timeframe.
Why work with LNO Mortgages
More than a loan comparison.
The goal is to help you understand the application, the lender requirements and the decisions in front of you.
Clear explanations
Understand terminology, costs, loan structures and lender requirements in plain language.
Broader lender access
Compare suitable options from a panel of more than 50 lenders, subject to eligibility.
Document guidance
Know what documents may be needed and what the lender is likely to assess.
Progress support
Receive updates and guidance as the application moves towards approval and settlement.
Start your first-home journey
Tell us where you are today.
Whether you are still saving, ready for pre-approval or already looking at properties, share a few details and the LNO Mortgages team will get in touch.
Phone0413 219 624
Service areaCastle Hill, the Hills District, Greater Sydney and Australia-wide
First home buyer FAQs
Useful answers before you begin.
Your exact position depends on your circumstances and the lender’s assessment. These answers provide a useful starting point.
How much deposit do I need to buy my first home?
The required deposit varies by lender, property, loan structure and your circumstances. Some eligible first-home buyers may have access to options involving a smaller deposit, while other loans may involve lenders mortgage insurance or different conditions. We can review your available funds and explain the relevant considerations.
What is home-loan pre-approval?
Pre-approval is a lender’s conditional assessment of how much you may be able to borrow based on the information provided. It is not final approval, and conditions, validity periods and property requirements apply. It can still provide useful clarity before you make an offer.
Can you help identify first-home buyer grants or schemes?
We can help identify government programs that may be relevant to your purchase. Scheme availability and eligibility rules can change, so government, tax and legal eligibility should also be confirmed with the relevant authority or adviser.
What costs should I consider beyond the deposit?
Depending on the purchase, costs may include stamp duty, conveyancing, inspections, lender or valuation fees, insurance and moving expenses. Concessions may apply in some circumstances. We can help you build a clearer picture of the funds that may be required.
Can self-employed first-home buyers apply?
Yes. The documentation and assessment can differ depending on the lender and the way your income is structured. We can review business financials, tax returns and other relevant information before comparing suitable lender policies.
When should I speak with a mortgage broker?
It can help to have an initial conversation before you begin making offers. This allows time to understand your potential borrowing position, deposit, documents, lender requirements and any actions that may strengthen your preparation.
Ready to take the first step towards your first home?
Book a confidential, no-obligation conversation with Mohit Gupta and understand what your next move could look like.
