Business Details
25 Years
experience
Your Trusted First Home Loan Specialist
Loans for First Homes has been empowering Australians to achieve home ownership since 2001. Led by mortgage specialist Patrick O'Brien, our team specialises in simplifying complex mortgage processes through tailored solutions and transparent guidance. With over two decades of experience, we focus exclusively on first home buyer needs, offering expert advice on low deposit options, guarantor arrangements, and alternative pathways to home ownership. Our approach combines technical expertise with a commitment to long-term client support, ensuring clients understand their options while navigating the loan process.We maintain strong relationships with 52 major banks and lenders to secure competitive rates, and our zero-cost expertise model ensures clients receive professional guidance without direct fees. Our high success rate stems from strategic application structuring and a client-centric philosophy that prioritises financial wellbeing beyond mere loan approval.
Services
Guarantor Home Loans
Low Deposit Home Loans
No Genuine Savings Loans
Stamp Duty Exemption Advice
First Home Owner Grant Assistance
Details
- Year established: 2001
Highlights and features
- 22 years of first home loan expertise
- Transparent, jargon-free mortgage guidance
- Personalised roadmap development for applicants
- Access to 52 major lenders' networks
- Zero out-of-pocket costs for clients
What people say
Excellent mortgage consultant
Outstanding service
Transparent process
Highly recommended
Saved thousands
Services
Guarantor Home Loans
Guarantor Home Loans enable first-time buyers to purchase property using a family member's equity as security. This solution eliminates deposit requirements and avoids Lenders Mortgage Insurance. Our team structures these arrangements to maximise borrowing capacity while protecting both parties' interests through careful legal and financial planning.
Low Deposit Home Loans
Low Deposit Home Loans cater to buyers with less than 20% savings. We specialise in 95% LVR solutions that include stamp duty and other purchase costs. Our brokers compare multiple lenders to find competitive rates while advising on LMI implications and long-term financial impacts.
No Genuine Savings Loans
No Genuine Savings Loans accommodate applicants without traditional savings history. We facilitate approvals using rental payment records, tax refunds, or cash gifts as deposit sources. Our expertise ensures compliance with lender requirements while maintaining transparent documentation processes.
Stamp Duty Exemption Advice
Stamp Duty Exemption Advice helps eligible buyers reduce upfront costs. We assess individual circumstances against NSW government criteria, identify applicable concessions, and integrate these savings into overall loan structures to maximise purchasing power.
First Home Owner Grant Assistance
First Home Owner Grant Assistance ensures clients claim all eligible government incentives. We verify eligibility, coordinate required documentation, and incorporate grant funds into purchase budgets to lower effective property costs.
People
Patrick O'Brien
Director & Founder
Patrick O'Brien has specialised in first home buyer loans since 2001. With a Bachelor of Business in Accounting, Finance, and Marketing from UTS, he combines technical expertise with a passion for helping Australians achieve home ownership. He provides strategic advice on subsequent loans, refinancing, and property portfolio development.
Questions
What deposit options exist for first home buyers?
We offer low deposit (5%), guarantor-assisted, and no genuine savings options. Some pathways allow borrowing up to 105% of purchase price with stamp duty included.
Can I get a home loan without traditional savings?
Yes. Lenders may accept tax refunds, cash gifts, or rental payment history as alternative deposit sources. We'll structure applications to meet specific lender requirements.
How do guarantor home loans work?
Guarantor loans use a family member's property equity as security. This avoids LMI, increases borrowing capacity, and enables 100% financing while protecting the guarantor's interests through limited liability agreements.
What government incentives apply to first home buyers?
Eligible buyers may access First Home Owner Grants, stamp duty exemptions, and other state-specific concessions. We help identify and integrate these benefits into purchase budgets.
How are interest rates determined for first home loans?
Rates depend on loan-to-value ratio, deposit source, and lender policies. We compare offers across 52 lenders to secure competitive rates while considering long-term financial impacts.
What support exists during the home buying process?
We provide end-to-end support including initial assessment, documentation preparation, lender negotiation, and settlement coordination. Clients receive unlimited phone/email support throughout the transaction.
