Buying your first home is exciting — but let’s be honest, it can also be overwhelming. From figuring out what you can afford, to understanding finance jargon, to choosing the right home loan… it’s a lot to take in.
That’s where a mortgage adviser comes in — think of us as your first home coach.
🏡 Why Choose a Mortgage Adviser Over Applying Directly to a Bank?
✅ We Understand All the Banks’ Rules and Policies
Banks don’t all play by the same rules. What one bank says no to, another might say yes. Some banks don’t offer the First Home Loan (KO FHL) scheme, for example — and they won’t point you to a bank that does. A mortgage adviser will. We know the ins and outs of every bank’s policies and which lenders suit your situation.
🎯 We Know Where to Target Your Application
Instead of wasting time applying to a bank that’s not a fit, we help you put your best foot forward with the lender that’s most likely to say yes. That means fewer hoops to jump through and a higher chance of approval.
💡 We Look at Your Whole Financial Picture
Got a bit of debt? Want to include boarder income? Need budgeting advice? We’ve got you covered. We can even help you get in the right position to apply in a few months if you’re not quite ready yet.
🤝 We’re With You Every Step of the Way
From figuring out your likely price range, to making an offer, securing finance approval, setting up your loan structure, and even helping you pay it down faster — we’re there through it all.
And we don’t keep business hours — because life doesn’t either. Need to talk after work or on the weekend? No problem.
💬 You Get a Real Person to Talk To
No call centre queues, no “please hold” music. Just direct contact with someone who knows your story and actually cares about your outcome.
📉 We Can Help You Save Thousands
It’s not just about getting the best interest rate. The right loan structure can save you more over time in interest costs. We’ll walk you through your options — fixed vs floating, offset accounts, split loans — and explain it in plain English.
💡 Note: Some advisers skip this step because it takes more effort and we actually get paid less for it. So make sure you choose one who’s committed to helping you pay off your mortgage faster, not just getting you a loan.
💰 We Can Usually Get You a Better Deal
Wondering if you’ll get a better cash back or rate by going through an adviser? Often, yes. We know all the promotions, discounts, and special offers across all the banks — and we’ll fight to make sure you’re getting a competitive deal.
🆓 And Best of All? In Most Cases, We’re Free
In most situations, our service comes at no cost to you. We’re paid by the lender you choose, not by you. That means you get expert advice, guidance, and support — without adding to your house-hunting expenses.
💭 Thinking About Buying? Start With a Chat
Even if you’re months (or years) away from being ready, having a chat with a mortgage adviser can help set you on the right path. We’ll give you a quick affordability estimate, check your current situation, and give you a plan.
Your first home is a huge milestone — and you shouldn’t have to do it alone.
Contact me today to make it simple, smart, and stress-free.
