First Home Buyer

Borrowing power & deposit pathway

We’ll map out how much you can borrow, what deposit you’ll likely need, and realistic ways to get there, genuine savings, gifts, and guarantor strategies, so you can shop with confidence in the Sunnybank market.

Home loan pre‑approval (Sunnybank)

Pre‑approval gives you a buying edge. We handle the paperwork, answer lender questions and keep you updated so you’re ready to make an offer quickly when the right property appears.

Compare fixed vs variable (and split) loans

We’ll walk you through fixed vs variable home loans, split structures, offset accounts, redraw facilities and repayment flexibility, so your loan suits both your budget today and your plans tomorrow.

Using government support wisely

We’ll help you understand first‑home buyer incentives local to your state (e.g., grants and transfer duty concessions) and national schemes like the Home Guarantee Scheme (including First Home Guarantee and Family Home Guarantee). We’ll confirm current eligibility and application timing with you and the relevant authorities.

From offer to settlement

Once you’ve found “the one,” we coordinate with your conveyancer/solicitor, organise valuations, liaise with the lender and keep your contract dates on track, all the way to settlement day.