Hassle Free Home Loans

Taking your first step on the property ladder can be daunting.

How much can you afford to borrow? How much can you afford to pay? Will the banks even consider you for a loan?

Saving a deposit can feel impossible and many people assume home ownership will never be a reality for them.

However, with the right advice and the help of a professional, you may be surprised at how quickly you can gain loan approval and purchase a home of your own.

Led by experienced broker Patrick O’Brien, Loans for First Homes was created to help first home buyers purchase their first home without the confusion.

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How We Help

Receive the advice and support you need on your journey to home ownership.

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Initial Assessment

Based on your income, employment and savings, we’ll let you know what’s possible and which loan options should work for you.

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Paperwork and Evidence

You’ll need documentation to support your loan application. We’ll help you get everything together.

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Application

Loans for First Homes will apply to the most suitable lender on your behalf and will aim to negotiate the lowest rates.

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Pre-approval and Purchase

Once you have pre-approval, you can start shopping for your loan. Loans for First Homes will guide you through the offer and settlement period.

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Mortgage world Australia is really excellent service especially the Broker Patrick is an outstanding person who really looked after my…

Ray Ray

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It is great experience going through the loan process with Patrick. I really find myself trusting Patrick on all these…

Dave Liu

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Patrick is an absolute delight to work with. Organises everything and there is no question too silly or small to…

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Meet the Team

Patrick O’Brien

Director & Founder

Patrick has been helping first home buyers with home loans since 2001. He holds a Bachelor of Business majoring in Accounting and sub-majoring in Finance and Marketing from University of Technology, Sydney.

“I enjoy helping people achieve their dreams of purchasing their first home, and helping educate them on all aspects of the process, from getting a pre-approval, to researching suitable properties and strategies to pay the loan off quicker”, says Patrick.

A seasoned investor himself, Patrick can also provide advice on subsequent loans, refinancing and using equity to build a property portfolio after your first purchase. If you are based in Sydney, Patrick can come to you to discuss your home loan options in person.

Frequently Ask Questions

With some strategic forward planning, owning your own home and growing a property portfolio is definitely possible. Talk to us about how to get started.

Often first home buyers believe they need between 10 and 20 per cent deposit to purchase a home. This is not necessarily the case. It may even be possible to purchase your first home without any deposit. Contact Loans for First Homes to discover your options.

Some lenders allow first home buyers to use a cash gift as a deposit for their own home so this is definitely an option which can be explored.

Yes, some lenders will give loan approval based on your parents’ assets and financial status, and your own financial profile.

In some cases, it is possible to rely on your rental history to prove your ability to pay off a loan. Arrange a call with Loans for First Homes to find out more.

‘Best’ is difficult to define when it comes to home loans as there are so many options. With the help of a professional broker, you can determine which loan is most suitable for you and which lender is most likely to grant you approval. We will always do our best to ensure you obtain the best loan for your situation.

Fixed vs variable, offset accounts, split loans… There are so many products out there. Work with experts who can explain how to structure your loan based on your long-term goals.