First Home Buyer Loans

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There are enough confusing words in the home loan world to make anyone’s brain hurt.

LVR. LMI. Fixed rates. Variable rates. Offset accounts. Borrowing capacity. Pre-approvals.

And before you even start looking at houses, you’re expected to understand how much you can borrow, how much deposit you need, and whether a bank will actually say yes.

That’s where The Home Loan Nerds come in.

We take the complicated home loan stuff, break it down into plain speak, and help first home buyers understand their options so they can make confident decisions.

Because you don’t need to become a home loan expert.

That’s our job. After all, we know a lot about home loans so you don't have to.

 It’s knowing where to start.

Most first home buyers have the same questions:

• How much can I actually borrow? 
• Do I need a 20% deposit? 
• Am I eligible for government assistance? 
• Should I get pre-approved before looking? 
• Which bank is most likely to approve me? 
• How do I avoid making an expensive mistake? 

The problem is that every person’s situation is different.

Your income, expenses, savings, debts, goals and the property you want to buy all affect your options.

There isn’t a magic online calculator that can tell you the full story. You need a plan, and that plan starts when you speak with The Home Loan Nerds.

But if you're not ready to chat, that's ok. Our helpful articles below can get you started:

How can your parents help?

What is a pre-approval?

How much can you borrow?

Can you buy an investment as my first property?

How can the government help?