First home or next home, same rigour
We map your goals, income and existing property position, then structure the loan for how you actually live, not a one-size template.
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Buy your next home with a broker in your corner.
Whether you are buying your first home or moving up to the next one, we help Gold Coast buyers understand borrowing power, lender choice and timing, so you know what you can afford and how to get to settlement without surprises.
Who this is built for.
- First home buyers navigating schemes and deposits
- Upgraders using equity from your current home
- Buying with a partner or buying solo
- Family pledge or guarantor structures
- Borrowing with a smaller deposit and LMI
- Wanting a clear plan before you start inspecting
What we do
How we approach this work.
Schemes & eligibility
First home buyers: we walk you through the Australian Government 5% Deposit Scheme, the Queensland First Home Owner Grant, FHSS and other state grants you may qualify for. Upgraders: we model equity release, bridging options and timing between sale and purchase.
Deposit & borrowing power
We work back from a realistic price range and show you what each lender will lend, before you fall in love with a property.
Through to settlement
We coordinate with your conveyancer, the lender and the agent so contract, finance and settlement all line up.
FAQs
Common questions.
Is this only for first home buyers?+
No. This page covers anyone buying a home to live in (first purchase or upgrade). See our dedicated first home buyers page for scheme-specific guidance, or our investment lending page for investment purchases.
How much deposit do I need?+
Usually 5–20% of the purchase price, plus fees and stamp duty where applicable. First home buyers may access schemes with less; upgraders often use equity. We confirm your range early.
Will using a broker cost me?+
In many cases, our service is paid by the lender after settlement, and this is disclosed to you. We are required to act in your best interests and recommend options based on your needs, goals and circumstances, not simply who pays us. If a broker fee applies in a specific situation, we will explain it clearly before you proceed.
How long does the process take?+
From first chat to pre-approval is typically a couple of weeks. From signed contract to settlement is usually 30–45 days, depending on your contract terms.
Next step
Let's chat about your next move.
No pressure, no jargon. We'll listen first, then map out the smartest way forward.