Not necessarily. Many buyers purchase with as little as 5%.

In most cases, nothing. My service is paid for by the lender after your loan settles, so there's no cost to you.

Yes. HECS doesn't automatically stop you buying a home. In actual fact it could help boost your borrowing capacity!

It depends on the lender and your circumstances, but most approvals take anywhere from a few days to a couple of weeks.

Your borrowing capacity depends on factors like your income, expenses, existing debts and deposit. I'll help you understand exactly what you may be able to borrow before you start house hunting.

Yes. That's exactly what it's designed for. Even if you're just starting to think about buying, you'll get a clear understanding of where you stand and what your next steps are.

Possibly. A family guarantee can help some buyers purchase with a smaller deposit and avoid paying Lenders Mortgage Insurance. I'll let you know if it's an option for you.

No. In fact, it's usually better to understand your borrowing power and budget before you start looking. That way, you can shop with confidence.

No. The assessment is simply a way for me to understand your situation. It won't impact your credit score or commit you to anything.

A Finance Proposal is your personalised home loan strategy. It outlines your financial position, borrowing capacity, recommended lenders, loan options and the next steps to help you achieve your property goals. It's designed to give you clarity and confidence before you move forward.