Buying your first home is a major milestone, but it doesn’t need to be confusing. Before you start looking at properties, it helps to understand what lenders are looking for—and what help is available to you as a first-time buyer.
At Your Future Set, we’re committed to turning your dream of homeownership into a reality.
Most lenders prefer a 20% deposit, but many first-time home buyers start with 5% or 10%. With a smaller deposit, you might need to pay Lenders Mortgage Insurance (LMI), which adds to your loan cost. That said, there are ways to reduce or avoid it, and Your Future Set will help you explore those options.
If you’re eligible, there are several government initiatives designed to help you get into the market sooner:
These programs are designed to ease the financial pressure of buying your first home—and we’ll walk you through what applies to you
Book a call:
Select a convenient time using our online calendar to schedule a 15-minute chat with one of our expert brokers. This initial conversation will help us understand your needs and how we can help you secure the best home loan.
Have a solutions-focused appointment:
After the initial chat, we’ll set up a second, more in-depth appointment to explore mortgage options tailored specifically to your needs. We’ll present solutions that match your financial goals, putting you on the path to homeownership.
Submit Your Paper Work:
Once you’re happy with the plan, we’ll request a few key documents. Your broker will take it from there, submitting everything to the banks and ensuring the loan process moves forward smoothly.
Complete a quick insight from (optional)
To save time during the call, you can fill out a short client insight form beforehand. This allows your broker to jump straight into finding solutions that fit your goals.
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Many first-home buyers believe they won’t qualify for a loan because of their financial history, income, or savings. The truth? You may have more options than you think. And if now’s not the time, we can help you build a plan that gets you there.
It’s tough to save a full deposit—especially with rising rents. But that doesn’t always mean you’re out of the game. With a family guarantor, you may be able to secure a loan without the traditional 20% deposit. We’ll explain what’s involved and how to protect everyone involved.
Got a car loan, credit card, or other repayments? That doesn’t rule you out. In some cases, we can look at debt consolidation or a staged approach to help you lower your liabilities before applying. We can also guide you on how to improve your serviceability over time.
Not every lender looks at income the same way. If your work isn’t nine-to-five, or your income varies month to month, we’ll help find lenders who take a more flexible view of how you earn.
If you’re paying or receiving child support, it can affect your borrowing power. Some lenders treat this differently than others, so it’s important to get advice before applying. We can help you plan and apply with the right lender from the start.
Before you think about pre-approval, it’s worth having a quick chat with a mortgage broker. We’ll take a look at your situation, explain your options, and help you figure out whether you’re ready to move forward—or if it makes sense to put a plan in place first.
You’re not just another application to us. We take the time to understand your goals, explain your options in plain language, and help you build a clear plan—whether you’re ready now or still working towards it.
We work with over 40 lenders to find the best fit for you, not just the big names. From the first chat to final approval, we keep things simple, honest, and on your terms.
Still unsure? Scroll down to read what others have said.
Our 5-star reviews reflect the care and attention we give to every client—and we’d love to help you next.
You don’t need to have it all figured out. You just need someone in your corner who knows how the process works—and who takes the time to understand your goals.
Whether you’re ready to buy now or just want to explore what’s possible, Your Future Set is here to help. We’ll listen, guide, and help you build a clear path to your first home.
The Dream: Craig, a Sydney resident, aimed to build his dream beachside home in Perth.
The Challenge: Earning $140k a year put him above the $125k income cap for a helpful first home buyer’s scheme, requiring an additional $15k deposit.
Innovative Solution: Your Future Set steps in! Collaborating with a financial planner, we craft a plan to adjust Craig’s salary, bringing him within the scheme’s income cap and saving him $15k in loan insurance.
Timely Success: Thanks to this strategic move, Craig bypasses a 6-month saving delay, securing one of the last coveted blocks in his desired estate.
Dodged Obstacles: If not for Your Future Set’s intervention, Craig would have faced rising property prices and multiple interest rate hikes, jeopardizing his dream.
Outcome: Craig now enjoys his dream home in Perth, all made possible by Your Future Set’s expert financial navigation and tailored strategies.
Buying your first home is a big step—but getting started doesn’t have to be. Fill in the form below to book a quick, no-pressure chat with a broker who’ll walk you through your options and help you understand what’s possible based on your unique situation.
Whether you’re weeks away or just starting to plan, this is the easiest way to take the next step. Talk soon.
Mike Mackenzie