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If you're a first home buyer, or starting to consider entering the housing market, our expert mortgage brokers are here to help. We can guide you through every step of the process so that buying you first home is as exciting and rewarding as it should be. 

Expert advice and support

We know that buying your first home can seem daunting and confusing. Our Lending Advisers offer expert advice and support, right through from determining your borrowing capacity to choosing the right loan. We can also assist you to apply for the First Home Buyer's Grant. Our Lending Advisers will:

  • Discuss your individual circumstances and needs to help you make the right decisions.
  • Help you determine borrowing capacity and deposit requirements.
  • Compare over 30 lenders and hundreds of loan options to help you find the one that best suits you.
  • Prepare all paperwork, making the whole process fast and simple. 

How much deposit will you need?

Knowing how much deposit you will need can be difficult and the more deposit you do have, the less you need to borrow. However, there are a number of factors to keep in mind when deciding what your deposit amount should be. Firstly, you need to consider how much you can regularly afford in repayments. Keep in mind potential changes interest rates and the impact this would have on your budget.

Next, consider your LVR, or loan to value ratio. This has a large impact on the amount you can borrow and is a good gauge for working out how much you need to save. As a minimum, it's wise to save at least 5% of the property value. However, there may be certain loans and lenders who don't require this. Ask you Lending Adviser for more details. 

Finally, consider any additional costs associated with buying your first home. These may include mortgage insurance, stamp duty, conveyancing fees and other costs. At KeyInvest Lending Services, our mortgage brokers can help you plan for these so you confidently budget for your first home. 

Talk to an Expert

Our process is simple

Step 1

Meet with a broker

This informal chat allows us to work out exactly what you need. 

Step 2

Find the right loan

We scour numerous loans and lenders to find the loan right for you.

Step 3

Negotiate for you

We negotiate with lenders on your behalf and prepare all the paperwork.

Ask us how you can get a great deal on your home loan.

Talk to a Broker

Our Lenders

What people say about us

"Marg Phelps came recommended by my parents to sort finance on buying my first property. Through her patience over several visits I managed to secure the property I wanted with finance to suit me. I couldn't be happier with her professionalism. I’ll definitely consult her prior to future property decisions."

J. Winter, SA

"Two years after we set up our loan, and the entire process was a great experience with Denis our KLS Lending Adviser. He was helpful throughout the process and to this day follows up and ensures everything is working well. Professional throughout the process and very knowledgeable on all things financial. Couldn't recommend highly enough. "

M Schumacher

Do you have adequate insurance? Talk to an Insurance Broker today to make sure your most valued possessions are covered.

Find your local KeyInvest Lending Services Lending Adviser.

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