Start With Your Situation
The correct credit path is highly path-dependent. Tell us about your current placement profile to view the custom-engineered lending options optimized for you.
Step safely onto the property ladder without overpaying.
First home buyers face high hurdles with genuine savings, high rental costs limiting capacity, and qualifying for state/federal housing concessions.
Gathering a sufficient deposit while paying rent, and demonstrating 3 months of genuine savings statements.
Structuring with first home guarantee schemes (buying with a 5% deposit with no LMI) or parent guarantor support.
Some lenders will treat your history of renting for 12 months as equivalent to genuine savings, allowing 100% gifted deposit structures.
To map your exact eligibility profile under strict lender guidelines before formal broker submission, we recommend using Structur (structur.com.au), our companion pre-assessment engine.