Expert mortgage advice to help First Home Buyers find their way home
Because it’s not just as simple as finding the lowest interest rate – it’s the type of mortgage that really matters
Buying your first home is meant to be more enjoyable than daunting. It’s understandable, though, why so many first home buyers experience overwhelm.
There are more home loan options out there than you can count. As a first-time home buyer, where do you even start with comparing them? Are you better off with a fixed, standard, or variable rate? And what do those terms mean, anyway?
With Educated Finance, you don’t have to figure it all out for yourself. We help you at every stage of the journey, from understanding how much you can borrow through to finding a conveyancer you can rely on. And with access to over 30 lenders, you can be confident we’ll secure the best home loan product for your needs.
Avoid first home buyer overwhelm – get in touch today.
Talk to the team
100% free and no-obligation
First Home Buyer? Try our free Online Budget Planner
Get an idea of repayment affordability with our Online Budget Planner and see your income and expenses on a weekly, fortnightly, monthly and yearly basis.
Avoid first home buyer regret –
get the right advice with Educated
We compare and evaluate all available options from a range of lenders, including those that may not be easily accessible to you, to find the best deal.
With no bias toward a specific home loan product or lender, you know our recommendations are 100% objective towards what best suits your financial circumstances and goals.
Our knowledge of the mortgage market and lender requirements lets us not only present your case in the best possible light, but often negotiate better rates and terms than you’d be able to on your own.
Book my free consultation
Friendly, professional, personal, prompt, and here to help
Get the right first home loan – one that works for you today and tomorrow
Home loans can be like houses – buyer beware.
See a super-low interest rate advertised? It may just come with higher fees and penalties, expensive renewal costs, or even repayment restrictions that are neatly woven into the fine print and can cost you more over the life of your loan.
That’s the beauty of securing your first home loan with Educated; we read the fine print, so you don’t have to.
We’re also wholly independent, working with a range of lenders instead of being restricted to a single brand.
So, if you’re buying your first home, don’t just accept any home loan – get one that works for you today while also setting you up for tomorrow.
It’s just the Educated way.
What our first home buyers say
Made the whole process easy
Caleb Round
Organised in a way that us newbies could understand
Jamie-Lee Garner
Broke things down in layman's terms for us
Alison Shiner
Help navigating the First Home Guarantee Scheme and other government incentives
Navigating the various government incentives and programs for first-time homebuyers can be overwhelming – but not with our support.
We’ll guide you through the First Home Guarantee Scheme, as well as any other government incentives, by explaining the:
- Eligibility criteria
- Application process, and
- Any specific requirements.
Buying your first home is a significant financial commitment; it’s important that you take advantage of any available benefits. And even if you’re not ready to apply, we’re happy to talk through your options and eligibility, and help develop a plan for you to get into your first home sooner.
“We couldn’t ask for a better mortgage broker.”
Jacob Roughley
More than just better loan terms and lower interest rates for first home buyers
Everything we do is designed to help you navigate the challenges and uncertainties of buying your first home with confidence. From answering questions to offering advice and providing resources, we promise reliable, informed, and unbiased advice.
Best of all, you deal only with us – we take care of the rest.
No cost for our professional services
No overwhelming paperwork, tricky fine print, or impossible loan comparisons
No commission structure influencing our advice
Access to multiple lenders
Genuinely personal guidance
Strong negotiating power
Quicker turnaround times
Help with first home buyer incentives
Complementary service providers
Loan option comparison
Clarity over loan fees and charges
Lower repayments with ongoing loan support
Other specialist help for first home buyers
> Property agents
Get a head start on finding your first home – we can introduce you to property agents known for working closely with first home buyers to help secure their dream home.
> Conveyancing
Conveyancing is the legal part of buying your first home, and we can help secure a qualified and reputable solicitor or conveyancer to represent you.
From exchanging contracts with the seller to advising on pest and building, you’ll receive step-by-step guidance and support.
End-to-end support makes buying your first home easy
Home loan
pre-approval
We get to know you – your circumstances, needs and goals – before searching the market for the loans best suited to you and obtaining lender pre-approval (estimates of how much you could borrow from potential lenders)
Property valuation and loan approval
Found your dream home? After negotiating the very best product, we liaise with the lender to undertake a property valuation. If they’re happy with the property valuation and the amount you are borrowing, we obtain unconditional loan approval.
Settlement
Are you all packed? After you’ve signed the loan contracts, we’ll work with your lender and solicitor or conveyancer to make payment and transfer property ownership to you.
All that’s left to do is… unpack!
“As first home buyers you made us feel very comfortable going through the process for the first time … we could ask any question or for help whenever we needed.”
Cameron Day
Why choose the Educated Finance team for your first home loan?
A genuinely personal focus, informed advice, and an approach that’s genuinely different.
Mortgage brokers committed you
One of our awesome clients left a Google review that said it best – we ‘leave no stone unturned’ to help.
Mortgage brokers with personality
We’re a melting pot of individuality – just ask our views on tea or coffee superiority, whether Penrith, Bulldogs or Eels are the best NRL team, or whether tomato sauce belongs in the fridge. Or maybe don’t – let’s not open a can of worms we can’t control.
Mortgage brokers with integrity
We genuinely prioritise client care via honesty, reliability, and a belief in doing the right thing – always.
“Their guidance and understanding throughout the process has ensured we will use them again and again.”
James Mueller
Get the right advice and save money with the truly independent mortgage brokers Australia loves
Specialists in helping first home buyers secure the very best loans for their needs and circumstances.
We’re physically based in Penrith but help clients Australia-wide.
Call 1300 338 228, drop us a line or visit us in High St Penrith today.
Questions about the first home buyer process?
We have the answers
Believe us – navigating the world of temperamental home loan products and interest rate rises is challenging for even the most seasoned of home buyers.
With Educated finance, you won’t have to struggle working it out on your own. We’ll guide you at every stage, while also protecting your best interests. And with fine print our speciality, we’ll ensure you avoid paying more than you need to (no-one gets locked into an interest rate that reads far better than its terms and conditions on our watch).
- We’re 100% independent.
- We’re experienced in helping first home buyers.
- And we’re genuinely committed to finding you the very best loan for not only your first home, but every home.
Talk to the team at Educated and take control of your financial future today. Whatever you need, we’re here to help.