First Home Buyer Home Loans

Helping you understand your borrowing options, deposit requirements and available government support, with guidance from planning through to settlement.

Book a Home Loan Planning Consultation

Understanding Your Borrowing

We help you understand how much you may be able to borrow and what repayments could look like, so you can begin your property search with greater confidence.

Explore Your Deposit Options

We explain deposit requirements, available government home buyer schemes and other options that may help you purchase your first home sooner.

Compare Your Options and Guide You Through

With access to a panel of over 40 lenders, we compare suitable home loan options and guide you through each stage, from application and approval through to settlement.

Your First Home-Buying Journey

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1. Plan and Prepare

We discuss your goals, review your financial position and help you understand your potential borrowing capacity, deposit requirements and buying costs.

2. Compare and Apply

We compare suitable home loan options from our lender panel, explain the differences and support you with your loan application and required documents.

3. Approval to Settlement

We keep you informed throughout the approval process and work with the lender and relevant parties to help guide you through to settlement and receiving the keys to your first home.

Frequently Asked Questions

Please reach us at admin@angelsfinancial.com.au if you cannot find an answer to your question.

How much deposit do I need to buy my first home?

The deposit required can vary depending on the property, lender and your circumstances. Some eligible first home buyers may be able to purchase with a smaller deposit through available government home buyer schemes. We can help you understand the options that may be available to you.

How much may I be able to borrow?

Your borrowing capacity will depend on factors including your income, living expenses, existing debts, deposit and the lender’s assessment requirements. We can review your circumstances and provide an indication of your potential borrowing options.

What government support may be available to first home buyers?

Eligible first home buyers may have access to government initiatives that can assist with purchasing a home. Eligibility requirements and available support can change, so we can help you understand which current options may apply to your circumstances.

Should I get pre-approval before looking for a home?

Pre-approval may help you understand your potential budget before making an offer. It can provide greater confidence when searching for a property; however, pre-approval is generally conditional and is not a guarantee of final loan approval.

What costs should I budget for besides the deposit?

Depending on your circumstances and the property, additional costs may include conveyancing, building and pest inspections, government fees, lender costs, insurance and moving expenses. We can help you understand the costs you may need to consider.

How can a mortgage broker help me?

A mortgage broker can help you understand the home-buying and loan process, compare suitable options from a range of lenders, assist with your application and keep you informed from your initial planning through to settlement.

Mas89 Services Pty Ltd | Angels Financial (ABN / Credit Representative Number 480365) has access to a panel of lenders through National Mortgage Brokers Pty Ltd., (ACN 093 874 376 / Australian Credit Licence 391209), which is a fully-owned subsidiary of Liberty Financial Pty Ltd (ACN 077 248 983 / Australian Credit Licence 286596). Angels Financial has access to products including those from Liberty Financial.

Disclaimer: This website is designed to provide you with factual information only. This information contained within does not take into account your needs, objectives or financial situation. To understand whether a credit product is right for you speak to one of our licensed Finance Brokers. Terms, conditions, fees, charges, and minimum loan amounts apply. Credit is subject to approval by the credit provider. Rates of interest are determined by the credit provider and are based upon your unique credit profile.

Your privacy is important

Angels Financial, understands that the details you provide us with are not only private and personal but that how we collect, use, hold, exchange and protect your information is important to you. It's imperative that you feel secure whenever you deal with us. It's also important that you understand how we protect your privacy, as well as how, when and where we may use your personal information. This Privacy Policy is our commitment to you on what our policies towards your privacy are. You can be confident in the fact that we abide by and are bound by the Privacy Act and the Australian Privacy Principles (APPs) for the protection of personal information.

What information do we collect?

We collect personal information. Personal information means any information or opinion about you as an identified individual, or an individual who is reasonably identifiable, whether the information or opinion is true or not, and whether the information or opinion is recorded in a material form or not. For example identity and contact details, marital status and financial information.

We may also collect sensitive information for specific purposes. For example, information about your health to enable the credit provider to assess an application you make for mortgage protection insurance and calculate any premiums. If we need this type of information, we will ask for your consent.

How do we collect your personal information?

We will always aim to collect your personal information directly from you. If for some good reason, we are unable to do so, we may involve another organisation. For example, we may need to request a credit report from a credit reporting body when you apply for a credit facility. Before doing so or prior to collecting the information we need, we will inform you of the type of organisations we intend to disclose your personal information to. We may also collect your personal information through third parties who undertake the collection on our behalf.