02 8974 1452

info@kpmortgage.com.au

Level 35, Tower One

Barangaroo, Sydney

8:30am – 5:00pm

Monday to Friday

02 8974 1452

info@kpmortgage.com.au

Level 35, Tower One

Barangaroo, Sydney

8:30am – 5:00pm

Monday to Friday
First Home Buyer
by admin

First Home Buyer

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First Home Buyer Specialist

First Home Buyer Loans — Get Into Your First Home Sooner

Buying your first home is one of life's biggest decisions. We make the mortgage process simple, stress-free and find you the right loan — from the very first conversation.

No cost, no obligation — just clear, honest advice.

Why First Home Buyers Choose KP Mortgage

Your First Home, Done Right

We do the heavy lifting so you can focus on finding the home you love.

Access 50+ Lenders

We compare hundreds of loan products across major banks and specialist lenders to find the right fit for your situation — not a one-size-fits-all solution.

Maximise Your Grants

We make sure you claim every grant and concession available to you, including the First Home Owner Grant, stamp duty exemptions, and the First Home Guarantee scheme.

Low Deposit Strategies

We help first home buyers get in with as little as 5% deposit — and structure your loan to avoid or minimise Lenders Mortgage Insurance (LMI) where possible.

Plain-English Guidance

No jargon. We explain every step clearly, from pre-approval to settlement, so you always know exactly where you stand and what to expect.

Pre-Approval Fast

A credit-ready pre-approval puts you in a strong position at auction or private sale. We move quickly so you never miss out on the right property.

We Handle the Paperwork

From application to settlement, we manage all the bank paperwork and follow-ups, keeping everything on track while you get on with life.

How It Works

4 Simple Steps to Your First Home

From your first call to picking up the keys — here's exactly what happens.

1

Free Consultation

We listen to your goals, understand your situation and explain all your options — no pressure, no cost.

2

Get Pre-Approved

We prepare your application, select the right lender and get you a credit-ready pre-approval so you can shop with confidence.

3

Find Your Home

With pre-approval in hand, you can bid at auction or make an offer knowing exactly what you can spend.

4

Settle & Celebrate

We manage the entire settlement process with your lender and conveyancer. On settlement day, you get the keys.

Real Result

"We didn't think we could afford to buy yet. Kevin made it happen."

Jake and Mia had been saving for two years but weren't sure if they had enough for a deposit. In one call, Kevin assessed their borrowing power, found a lender that accepted their 8% deposit, and secured pre-approval in under a week.

Three months later they settled on a 3-bedroom home in the western suburbs — $14,000 under their maximum budget.

8%
Deposit accepted
<1 wk
To pre-approval
$14k
Under budget

"Kevin explained everything in plain English and made the whole process so much less scary than we expected. Couldn't recommend him more highly."

Jake & Mia — First Home Buyers, Melbourne

Customer Reviews

What Our Customers Say

Common Questions

First Home Buyer FAQs

Most lenders require a minimum 5% genuine savings deposit. With 20% you avoid Lenders Mortgage Insurance (LMI), but there are low-deposit strategies — including the First Home Guarantee scheme — that let eligible buyers purchase with just 5% and no LMI.

The First Home Guarantee (formerly FHLDS) lets eligible first home buyers purchase with a 5% deposit without paying LMI. The government guarantees up to 15% of the loan. Places are limited each financial year — we help you check eligibility and apply.

The First Home Owner Grant (FHOG) is a state-funded grant for eligible buyers purchasing or building a new home. Eligibility and amounts vary by state. We review your situation and ensure you claim everything you're entitled to.

In most cases we can have a credit-ready pre-approval ready within 2–5 business days, depending on how quickly you can provide your supporting documents. We'll tell you exactly what's needed on your first call.

No. Our service is completely free to you. We're paid a commission by the lender when your loan settles — this doesn't affect your interest rate or fees.

Pre-approval confirms your borrowing capacity based on your financial situation. Formal (unconditional) approval is granted after you've found a property and the lender has assessed it. We guide you through both stages.

Ready to Take the First Step?

Book a free, no-obligation chat with Kevin. We'll review your situation, explain your options and map out a clear path to your first home.

Available Mon–Sat  |  Phone, video or in-person  |  No cost, ever