First-home buyers
Plan your deposit, borrowing capacity, purchase costs, lender approach and the steps from preparation to pre-approval.
Discuss this with David →Loan options explained in plain English
Find the strategy that fits the whole situation.
The right loan is not just the lowest advertised rate. It is the lender, policy, structure and repayment position that work together for your circumstances.
Personal from start to finishDeal directly with David
Clear loan strategyUnderstand the why and next step
Options researched carefullyPolicy fit matters as much as rate
Broker Daily Innovation Awards finalistRecognised for industry innovation
What do you need help with?
Choose your starting point.
You do not need to know which lender or product to ask for. Start with the outcome you want and David will research the pathway.
Help to Buy and low-deposit pathways
Review scheme eligibility, property caps, income treatment, lender availability and the contribution you may still need.
Discuss this with David →Refinancing
Compare more than the headline rate: repayments, fees, structure, features, break costs and your future plans.
Discuss this with David →Debt consolidation
Assess whether combining higher-cost debts could improve cash flow, while understanding the term and total interest cost.
Discuss this with David →Investment loans
Consider equity, cash flow, buffers, ownership structure and how today’s loan may affect tomorrow’s purchase.
Discuss this with David →Car, asset and business finance
Explore finance for vehicles, equipment or business needs with clear repayment and cash-flow considerations.
Discuss this with David →Research before recommendation
Lender policy is often where the real answer lives.
Two lenders can assess the same income, debt or property very differently. David researches the policy details before recommending a direction.
- How each lender calculates your income.
- How credit limits and existing debts affect servicing.
- Whether the property, postcode or loan purpose fits policy.
- Which documents are required and what an assessor may question.
- How the repayment fits your real household budget.
A recommendation should answer four questions
- Why does this lender fit your circumstances?
- What will the loan cost and how will it be structured?
- What could delay or prevent approval?
- What happens next and what do you need to provide?
Common lending questions
Clarity before commitment.
How much can I borrow?
Borrowing capacity depends on income, ongoing commitments, living expenses, dependants, loan term, credit history and each lender’s serviceability policy. A calculator alone cannot provide a reliable answer.
Is the lowest rate always the best loan?
Not necessarily. Fees, features, lending policy, loan structure, approval confidence and future plans can all materially affect whether a loan is suitable.
Can you help with Centrelink or non-standard income?
Potentially. Different lenders treat Centrelink, allowances, overtime, bonuses, casual income and self-employed income differently. The exact benefit type and supporting evidence matter.
What if another lender has already said no?
A decline does not automatically mean every lender will reach the same answer. David can review why the position failed and whether another policy or a preparation step may change the outcome.