Unlock your dream home: First home buyer home loan solutions

We understand that purchasing your first home can be both exciting and overwhelming, especially if you are new to Australia or managing a busy work schedule. That is why we offer services designed to provide maximum convenience and flexibility.

You can connect with us easily through phone or online platforms, removing the need for time-consuming in-person meetings. This makes it easier to navigate the mortgage process without disrupting your daily routine.

From comparing loan options to preparing paperwork and meeting lender requirements, we offer personalised support tailored to your needs. Our goal is to ensure that every step is smooth, manageable, and stress-free, helping you confidently achieve your dream of homeownership.

Selecting the right home loan involves more than just comparing interest rates and loan terms. First-time buyers should pay close attention to features such as loan flexibility, allowing them to adjust repayments when needed, and the option to make extra repayments without penalties, which can help pay off the loan faster.

Other important factors include ongoing fees, redraw facilities to access extra payments if necessary, and offset accounts that reduce interest by linking savings to the loan. Understanding the deposit requirements is also essential to avoid unexpected hurdles.

These features can significantly impact both the cost of the loan and the ease of managing repayments. At ZedPlus, our loan specialists guide you through these options to ensure your loan supports your financial well-being and long-term goals.

We value your time, so we streamline the mortgage application process with advanced Client Management Systems (CMS) and home loan comparison tools. After you provide your information through a quick online enquiry form, we quickly assess your situation and present tailored loan options. This efficient process eliminates the need for multiple in-person meetings, helping you make informed decisions faster. We aim to make the mortgage journey as smooth and time-efficient as possible for you.

The "best interests duty" means we always prioritise your needs. Unlike banks, which might focus on their own profits, our primary goal is to help you. This duty ensures that the advice and loan options we provide are genuinely aimed at helping you achieve your homeownership dreams. We are committed to offering guidance and support that truly benefits you, making sure your interests are at the forefront of everything we do.

As an online mortgage broker, we at ZedPlus go beyond simply finding loan options; we provide tailored comparisons to help you get the best possible home loan. Our partnership with a vast network of reputable lenders allows us to offer various loan products suited to your financial situation and goals.

We carefully evaluate key factors such as interest rates, fees, loan terms, and features like offset accounts and redraw facilities. By breaking down these details, we give you a clear understanding of the total cost of each option. Additionally, we negotiate competitive rates and favorable terms on your behalf to help you secure the loan that best meets your specific needs.

Yes, it is possible to get a home loan even if you have no deposit, but it depends on specific conditions. Lenders may offer no-deposit loans if you can secure a guarantor, often a family member, who can guarantee part of your loan by using their property as collateral. Alternatively, some lenders may offer a loan with a 95% loan-to-value ratio, meaning you only need to provide a 5% deposit. However, lenders will assess your financial situation and may require you to meet certain lending criteria, such as having a stable income and a good credit history. Always ensure to check the conditions before proceeding.

First-time buyers often have access to various government grants and schemes designed to make homeownership more affordable. As an online mortgage broker, we at ZedPlus stay updated on the latest programs, such as the First Home Guarantee, Family Home Guarantee, and the First Home Super Saver Scheme. We guide you through these grants' eligibility criteria and application process to help you take full advantage of any available financial assistance to reduce your upfront costs.