First home buyers
Pre-approval, government schemes, deposit options and a plan that gets you to the keys with no surprises.
First home buyers Property Investment
Structure your investment for the next one too.
The right structure on your first investment makes the second one easier. I'll help you separate investment and personal debt, choose the right repayment type and work with your accountant on the bigger picture.
How we set it up
Clear steps, one person, no surprises.
- Your strategy, firstGrowth, yield, timeframe and how this purchase fits your plans.
- Borrowing capacityRental income and existing debts assessed across lenders.
- Clean structureSeparate loan accounts, interest-only or principal and interest, and offset where it helps.
- Ready for next timeEquity and serviceability reviewed as your portfolio grows.
What we'll cover.
The details that make the difference, checked before you commit.
- Interest-only optionsWith the long-term cost explained.
- Using equityYour home as security for the deposit, carefully structured.
- Lender spreadAvoiding unnecessary cross-securitisation.
- Accountant alignmentStructure discussed alongside your tax advice.
40+ lenders. One conversation.
Major banks, regional banks and specialist lenders. I compare them for you, so you don't have to.
Client reviews
She is efficient, attentive to details, follows through closely with impeccable coordination… Jenny has also proactively negotiated for lower rates when the interest rate was falling back then without me asking.
She made my first home purchase so easy and stress-free! … She will definitely be my first and last broker manager for all the future properties!
We had a great experience of refinance our home loan with Circle Finance… This was our second time dealing with them. I would give Circle Finance more than Five Stars.
Questions I'm often asked.
Should I use interest-only repayments?
They lower repayments for a period but you repay nothing off the loan during that time, and the total interest is higher. Whether it suits you depends on your goals and tax position, so speak to your accountant as well.
Can I use equity in my home for the deposit?
Often, yes. How it is structured matters, so I set it up to keep investment and personal debts separate where possible.
Do lenders count rental income?
Yes, but each lender applies its own discount to rental income when assessing your borrowing power.
Worth a read.
Loan-to-value ratio (LVR): what it is and why it matters
What loan-to-value ratio means, how to work it out, why it affects your pricing, LMI and approval, and how a property valuation can change it.
Split loans: combining a fixed and variable home loan
How a split home loan works, the pros and cons of fixed and variable portions, and how extra repayments and offset accounts fit in.
Offset accounts: how they reduce your home loan interest
How a mortgage offset account works, an illustrative example of the interest it can save, how it compares with redraw and the fees to weigh up.
Other home loan help.
Your next home
Upgrading, downsizing or buying before you sell. Bridging and structure options explained before you commit.
Buying your next homeRefinancing
A better rate, an offset account, consolidating debt or releasing equity. I compare the full cost of switching, not just the headline rate.
RefinancingConstruction & renovation
Progress-payment loans for building or major renovations, managed stage by stage with your builder.
Construction loansTell me what you're planning. I'll be in touch soon.
Send me an enquiry and I'll get back to you as soon as possible.
Start your enquiry Or call me directly0421 066 065Home loans are subject to the lender's credit assessment and eligibility criteria. Government scheme eligibility criteria apply.