Finance for first home buyers

Everything you need to buy with confidence, even if you’re starting with more questions than savings.

Figuring it out starts here.

Buying your first home can feel like a massive leap, but it doesn’t have to be a blind one. Whether you're just starting to save or already deep in the pre-approval spiral, we’ll help you figure out what’s actually possible.

At Loan Locker, we’re all about making the process make sense. We’ll chat through what you’ve got, what you need, and what the next step looks like based on your situation - not anyone else’s.

You’ll get straight-up guidance, a loan that fits your life, and support that doesn’t feel stiff or scripted. We’ll help you avoid common first-time mistakes and show you smarter ways to get where you want to go.

It’s not about having all the answers, it’s about having someone who knows how to ask the right questions.

Questions? Hit us up!

  • Not necessarily. A lot of first-home buyers get in with far less. It depends on your income, your goals, and how we structure the loan. That’s what we work out together.

  • Yes, we’ll check what’s available and whether you’re eligible. There are grants and schemes out there, but they’re not always easy to navigate. We’ll help you make the most of what’s on offer.

  • Once you’ve got a solid idea of your budget and a rough timeframe for buying, it’s worth looking at pre-approval. It helps you house-hunt with confidence and shows sellers you’re serious.

Real People

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Real Talk

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Real People · Real Talk ·

  • Nathan was a great help and advocate from day one, helping me to navigate being a first time home buyer. Always available and patient with my questions, Nathan was an awesome resource and got me a really competitive rate. Would gladly recommend Nathan to anyone needing to buy a home!

    - Matt - First Home Buyer

  • I had a great experience with Nathan. He was exceptional in getting a deep understanding of my finances, my loan requirements, and was the most thorough Mortgage broker I've worked with after working with 3 other brokers. He provided comparative loan options, considered all grants and avenues to maximize the loan amount. His experience in working for a bank really shows up as he knows the inner workings and can provide proactive guidance to get the maximum loan amount.

    - Muhammad

  • Nathan did an excellent job in helping us find the best loan while we were buying our new place. He helped us quickly jump through all the hoops we needed so we could move on the property we really wanted and has continued to help us with getting the best deals for our evolving situation since! We would absolutely recommend reaching out to Nath if you're thinking about purchasing property.

    - Nicholas

  • Nathan was awesome to deal with. He helped my partner and myself get pre-approval quickly, with no conditions which helped us get the edge on the offer for our property. He gave us options and advice on different banks to work out what would suit us specifically. He's awesome to chat to, answered any questions clearly and accommodated virtual calls whenever worked for us. Would definitely recommend Loan Locker to anyone looking for a new loan or refinance.

    - James

  • As a first time home buyer I was incredibly anxious about the process of applying for a mortgage. Nathan was amazing to work with and made the process so straight forward, I couldn’t recommend him more highly!

    - Aisha - First home Buyer

  • Nathan was a pleasure to deal with, and made the daunting task of re-financing incredibly simple. I would recommend his services to anyone. Thank you Nathan!

    - Chris

  • Nathan is fantastic. He cares about his clients and his knowledge of the end to end mortgage broking process is second to none.

    - Brad