Mortgage Broker for a First Home Buyer

Let our brokers at SW Brokerage help you get your first home loan mortgage to purchase your dream home.

Being a first time home buyer and buying your first home is an exciting milestone and one of the biggest financial investments you’ll make in your life. If it’s your first time buying a property, you might be confused as to where to start and where to get your first home loan. At SW Brokerage we are committed to helping first time home buyers to acquire their first their first home loan mortgage. SW Brokerage provides first time homer buyers with market backed information and guidance to match first time buyers with the best deal for their financial circumstances. Our mortgage brokers know how to navigate the home buying process from start to finish and we’re here to guide you every step of the way and beyond.

Why Choose SW Brokerage as a First time Home Buyer?

At SW Brokerage, we’re not just experts in home loan broking, we’re experts in people and understanding your financial needs. Our mortgage brokers take the time to truly understand your circumstances and goals, so we can recommend a mortgage or home loan solution tailored to your needs and financial position. We work with a panel of 60+ lenders, providing you with access to a wide range of home loans:

First homer buyer loan solutions for first time home buyers
Flexible first home buyer loan options
Government-supported first home buyer assistance home loan schemes

At SW Brokerage we don’t just focus on finding you the lowest home loan rate to make the home buying process easier. We look at the bigger picture, home loan terms, home loan fees, home loan features, and how all the components of the home loan fit together with your long-term financial goals.

Things to Consider as a First Time Home Buyer Applying for Your First Home Loan

If you are a first time home buyer going for your first home loan, there are a few important considerations to make before you jump into your first home mortgage:

Research your ideal suburbs and property types for your home loan
Set a realistic home loan budget
Understand your borrowing power as a first time home buyer
Calculate potential upfront and ongoing costs
Explore eligibility for home buyer assistance programs
Decide whether you’ll need Lenders Mortgage Insurance (LMI) or a guarantor
Research home buyer grants and schemes for first home buyer assistance

SW Brokerage make sure first home buyers are informed and confident every step of the way along the home buying process, empowering first home buyers to make smarter financial choices and purchase the home that is best suited to you.

The First Home Buyers Process: The SWB Way for First Home Buyers

Our experienced mortgage brokers are here to support first home buyers throughout the entire home buying process. As independent mortgage broker specialists, we have detailed knowledge of the available home loan options that might be suitable to your current circumstances as a first home buyer. We work with you to explain the costs and processes and guide you from start to finish through your eligibility and application for a home loan.

Discover Your Dreams with Your Home Loan

Our brokers begin with a conversation to understand your unique financial situation. Whether you’re seeking a first home buyer loan, a first time mortgage for first time home buyers, or general advice on the home buying loan process, we start with your goals. We will send you a link where you can securely and safely share your financial details with us to begin the process.

Assess and Recommend a First Home Loan

Once we have all the necessary details about your finances, our team of mortgage brokers will work away, searching for the best home loan to match your circumstances as a first home buyer. With access to more than 60 lenders, we compare a broad spectrum of first time buyer loan options, allowing our brokers to tailor your home loan to your financial needs. This includes everything from first loan for home buyers to more flexible first time buyer mortgage products designed for low-deposit borrowers. The brokers at SW Brokerage sit down with you and discuss your home loan options, breaking down the costs and repayments for different loan products.

Simplify the Home Buying Process as a First Home Buyer

Our brokers are experts in streamlining complex home loan applications. From document collection to explaining terms of a first home mortgage loan or first home buyer loan, our brokers guide you through the home buying process in plain English. You’ll never feel lost.

Getting First Home Buyers Across the Line

Once your loan for your first home has been approved, our brokers help you coordinate the home loan settlement process. We work with your solicitor, real estate agent, and lender to make sure everything runs smoothly.

Support After Home Loan Settlement

When you have made a decision we can then apply for your first home loan. Then, our brokers will contact you to let you know that you’ve been approved for your first home loan, allowing you to purchase your first home. The SW Brokerage service and support don’t stop there. We’re here for annual reviews, advice on refinancing, and even help with your next property purchase or home loan. As your life evolves, so will your financial needs, and SW Brokerage will be right by your side.

Help for First Home Buyers

There are a number of government initiatives and lender incentives that can make it easier for first time home buyers to break into the market:

First Home Guarantee (formerly First Home Loan Deposit Scheme)
First Home Owner Grant (FHOG)
Stamp Duty concessions
Home buyer programs for single parents or essential workers

Whether you’re seeking a first time home buyer loan, first home loan, or full home buyer assistance, our mortgage brokers will let you know what home loans you qualify for and help with the paperwork.

Overcoming Common First Home Buyer Challenges

Low savings? We’ll look at low-deposit home loan for first time buyers options or guarantor strategies.
Unsure of which first home buyer mortgage suits you? We break it down, from fixed vs variable to offset accounts.
Confused about grants? We’ll guide you through first time buyer programs tailored to your profile.

We’re also happy to connect you with SW Brokerage’s network of trusted professionals, including:

Conveyancers
Buyer’s agents
Insurance brokers
Financial advisors

Take the First Step Towards Your First Home Loan Today

Your first home loan doesn’t have to be complicated experience. With SW Brokerage, you’ll have an experienced mortgage broker from start of the home loan right up to finish and beyond. From initial consultation to ongoing support, we’re here to help make your dream become a reality with your first home loan.

Contact us today to book your free consultation with one of our friendly mortgage broking experts. You can find out more about the SWB Way and what sets our SWB brokers apart.

Getting Ready to Buy

Whether you’re ready to get started or looking ahead, browse our resources to help you get yourself in the best position to secure your first home loan, now or in the future.

Get Your Home Loan Sorted

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The Home Buying Process

When you’re ready to buy a home, this step-by-step guide will help you understand the process.

Buying Your First Home

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The SWB Way

SWB brokers are here to guide you through every step of the home loan and home buying process With market insights, we improve your chances of approval through guidance and the recommendations of the loans (and lenders) that suit your financial needs.

The SWB Difference

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Very professional and friendly. I loved the way Ruth would call and check in. She was always by my side every step of the way. As a first home buyer I really appreciated this. Great service highly recommended.

Barry and the team at Statewide wealth group have been amazing to deal with once again. Barry has been been our broker for 15 years and never misses a beat. They just make the whole experience easy and stress free. Thanks again Barry and the rest of the team for making life easier.

These people were absolutely amazing. Friendly and professional from the start. They went above and beyond to help us secure our first home. Could not recommend this company enough. We were so lucky to have come across this company and to have experienced the professionalism of Natasha and Tracy. Super impressed!