How much deposit do I need?

You can start with as little as 5% deposit if you qualify for a government scheme or LMI.

Can I use a guarantor?

Yes — a parent or family member may use their equity to help you avoid LMI and increase your borrowing power.

I’m self-employed — can I still apply?

Absolutely. Our Low Doc Loan options allow you to verify income via BAS statements or bank records.

What costs should I plan for?

Budget for stamp duty, legal fees, inspections and moving costs — we’ll outline everything upfront.

How fast is approval?

Conditional approval can arrive within 48–72 hours with complete documents.

First Home Buyer Loans | Expert Guidance

At Rethink Financing, we replace confusion with clarity through expert, personalised support, access to more than thirty leading lenders, and a structured, step by step process that keeps you in control from initial preapproval through to settlement. Our approach is precise and grounded in experience, so you can make decisions with confidence and enjoy the journey to home ownership.

Get Pre-Approved

Helping First Home Buyers Get Ahead

Secure a first home loan with confidence. Rethink Financing provides clear guidance, access to more than thirty lenders, tailored deposit and borrowing strategies, and a step-by-step process from pre-approval to settlement.

Check Your Eligibility

Low Deposit Options – Buy with as little as 10% deposit (conditions apply)

Access to Schemes – First Home Guarantee and Regional Assistance Programs

Competitive Rates – 30+ lenders competing for your business

Personalised Support – Dedicated broker from first call to settlement

Fast Approvals – Conditional approval in as little as 48 hours

Check Your Eligibility

Buying Your First Home Should Be Simple

STEP
1

Plan & Pre-Approve

We assess your income and savings to establish a clear borrowing limit and help you gain conditional approval.

STEP
2

Find & Secure

Once you’ve found a home, we coordinate with your chosen lender and assist with the application and documents.

STEP
3

Settle & Move In

Your dedicated broker manages final approval and coordinates settlement with your lender and conveyancer, so you can focus on the best part: getting the keys and moving in.

Follow the Full Home Buyer Guide

Experience You Can Trust

We’re an award-winning finance team who believe every residential investor deserves clarity and confidence. Our brokers work independently from the banks, meaning we find the best deal for you, not the lender.

30+ lenders compared

Smart loan structures for your future goals

Plain-English explanations and updates

Competitive rates

Recognised industry expertise 

Speak to a Home Loan Expert

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Learn more about your finance options today.

Insert your details to book your complimentary introductory call with one of our Finance team.

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Are you interested in Residential or Commercial Property Investment? *

When are you looking to purchase your next property? *

What is your estimated deposit? (AUD) *

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Which applies to you regarding finance? *

How did you hear about us? *

Do you have a 3+ years lease in place?

Yes

Does the tenant operate business between 6:00am to 6:00pm?

Yes

Can you provide at least one power bill issued within the preceding 3-months?

Yes

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First Home Buyer FAQs

Before reaching out, check out our frequently asked questions to see if we’ve already answered what you’re looking for.

Award-winning
commercial
property financers

Our offering

We specialise in providing personalised solutions, recognising that each client and their situation is immensely unique. The Rethink Financing approach involves tailoring strategies to align precisely with individual goals. With access to a wide array of lenders, we’re not confined to specific products or banks, ensuring a diverse range of options for our clients. Backed by our team’s expertise and diligent guidance, you can trust us to provide thorough advice and support every step of the way.

Our Strategy

We pride ourselves on fostering strong networks and relationships with all key stakeholders including lenders, BDMs and bankers, enabling us to collaborate effectively and transparently. Through these network relationships, they support us as we support them in achieving mutual success.

Knowledge sharing is fundamental to our ethos, through weekly team collaborations, workshops and peer reviews, we ensure that insights are exchanged, lessons learned, and challenges addressed.