The home buying process can feel overwhelming — especially when it's your first time. From understanding your borrowing capacity to navigating government grants and guarantees, we break everything down into plain English so you always know where you stand and what comes next.
What We Do
We map out your milestones and line up matching loan structures securely before you start making offers on property.
Before you start searching, we'll map out exactly how much you can borrow based on your income, expenses, existing debts and deposit — so you shop with confidence and clarity from day one.
Depending on your state and purchase price, you may be eligible for the First Home Owner Grant, stamp duty concessions, or the Federal Government's Home Guarantee Scheme — which allows eligible buyers to purchase with as little as 2% or 5% deposit without paying Lenders Mortgage Insurance. We identify what applies to you and factor it into your application.
You don't always need a 5% cash deposit saved. Family gifts, equity in a family member's property used as a guarantor, and certain government schemes as well as non bank lenders can all contribute toward your deposit. We'll walk you through what's available and what lenders will accept for your situation.
Once we've identified the right lender and structure, we handle the paperwork, manage the lender relationship, and keep you updated at every stage — from submission through to formal approval and settlement.
If you regularly work with people who need finance, a referral arrangement with Allsorts of Loans could work for both of you.
Enquire About a Partnership →Referral arrangements are assessed individually and subject to applicable regulatory requirements.
Why Allsorts of Loans
Don't navigate the first home process alone. We bridge the gap between your property goals and the lender requirements to ensure you're ready to buy.