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ATTENTION: Millennial First Home buyer's
Wondering If Buying Your First Property Is Actually Possible Right Now?
Most millennials feel like they’re doing everything right saving, working hard, trying to get ahead yet property prices keep moving further away.
What would it mean to finally understand how much you can borrow and the smartest path to securing your first property?
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STILL NOT SURE?
Frequently Asked Questions
Here's what we usually get asked
1. What does a mortgage broker actually do?
A mortgage broker compares multiple lenders on your behalf, structures your loan strategically, and guides you from pre-approval through to settlement.
2. Does it cost anything to use a mortgage broker?
In most cases, no. We’re typically paid by the lender after your loan settles.
3. How much can I borrow?
Your borrowing capacity depends on your income, expenses, debts, deposit size, and credit history. We assess this upfront so you know exactly where you stand.
4. How much deposit do I need?
While 20% avoids Lenders Mortgage Insurance (LMI), many buyers enter the market with 5–10% depending on eligibility and loan type.
5. What is Lenders Mortgage Insurance (LMI)?
LMI is insurance that protects the lender if you borrow more than 80% of the property value. It can often be added to your loan.
6. Can I buy with less than a 20% deposit?
Yes, many millennials buy with smaller deposits using government schemes or lender-specific policies.
7. What is pre-approval and do I need it?
Pre-approval gives you an indication (or conditional approval) of how much you can borrow before you start house hunting.
8. Can I use equity instead of cash for a deposit?
Yes. If you already own property, you may be able to use equity instead of savings for your next purchase.
9. What if I’m self-employed?
You can still get approved. We’ll just need additional documentation like tax returns or financial statements.
10. Is refinancing worth it?
It can be especially if you want a lower rate, access equity, consolidate debt, or restructure your loan.
11. What documents do I need to apply?
Typically: ID, payslips, bank statements, living expenses, and any existing loan details.
12. How long does the process take?
Pre-approval can take a few days to a week. Full approval and settlement timelines depend on the lender and contract terms.
What If Buying Your First Property Was Simpler Than You Thought?
You’re saving, working hard and trying to get ahead yet the goalposts keep shifting.
What if the difference wasn’t working harder… but simply having the right strategy for buying your first property?
Start Here
Answer a few quick questions so we can understand your situation.
This helps us see whether there may be opportunities you haven’t considered yet.
Explore Your Options
One of our experienced brokers will walk you through:
• your borrowing capacity
• deposit options
• whether buying or rentvesting could make sense
So you can start seeing what your next move might be.
Secure The Right Loan
If moving forward makes sense, we help structure your loan and guide you through the approval process.
All the way through to settlement.
MEET THE FOUNDER & CEO
Hey, I'm Sean Wroe!
Nice to meet you
You’re probably wondering why a former Olympian and Commonwealth Games medallist is now helping millennials buy their first property.
The truth is, sport taught me something powerful.
Big goals feel overwhelming… until you break them down into a clear plan and start taking the right steps.
And that’s exactly how many first home buyers feel about property.
They’re saving, working hard, trying to do the “right thing” yet the market keeps moving and the process feels confusing.
So the real question becomes:
What would change if you had a clear strategy for buying your first property?
Since becoming a mortgage broker, I’ve helped over 200 first home buyers purchase their first property — whether that’s a home to live in or starting with an investment through rentvesting.
And one thing I’ve noticed over and over again…
Most people aren’t lacking motivation.
They’re lacking clarity about how lending works and what the smartest path forward actually looks like.
Because let’s be honest…
No one teaches you this stuff at school.
And committing your life savings to one of the biggest financial decisions you’ll ever make can feel pretty intimidating.
But with the right strategy and guidance, the process becomes far clearer and often more achievable than people initially think.
So if you’re curious about what might be possible for your situation, let’s explore it together.
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Credit Representative Number: 495678 of (ABN: 14526017420) is authorised under Australian Credit Licence Number: 384704