Get Your First Home
Sooner Than You Think
Buying your first home doesn't have to feel overwhelming. We'll guide you through every step, help you understand your options, and create a strategy to turn your homeownership goal into reality.
Get Your
First Home
Sooner Than You Think
Buying your first home doesn't have to feel overwhelming. We'll guide you through every step, help you understand your options, and create a strategy to turn your homeownership goal into reality.
Next Step: Answer a few simple questions and we'll help identify the most suitable home loan for you
Take the First Step Towards Owning Your Own Home
It's challenging for you to figure out where to start when your looking for the right home loan for you. For years, we have been helping Australians find their perfect home and the right home loan.
It's a big challenge for most first-home buyers to get their foot into the property market. But once all the pieces fit together, it's all worth it! With Zippy Financial by your side, we will do everything in our power to make sure it is!
Along with navigating the road ahead, Zippy Financial can help you through the entire process, saving you valuable time by searching and comparing hundreds of loans from a number of different lenders. As our business is based on commission, you will never pay us anything. You will not pay a higher interest rate to cover our commission either.
Why Choose Zippy Financial
Personalised Solutions
We take the time to understand your goals and help explore financial solutions suited to your situation.
Wide Range Of Lending Options
Access to a broad panel of lenders and flexible finance solutions.
Simple & Transparent Process
Clear communication, no confusing jargon, and support every step of the way.
Support For Complex Scenarios
Self-employed, low deposit, refinancing, or debt consolidation — we help navigate more challenging situations.
Fast Turnaround
We understand timing matters and aim to make the process as smooth and efficient as possible.
Frequently Asked Questions
How much deposit do I need to buy my first home?
It depends on your circumstances. Some first home buyers can purchase with as little as a 5% deposit, while others may qualify for government support schemes that reduce the amount needed. We also have access to options that may allow eligible buyers to purchase with just a 2% deposit and no Lenders Mortgage Insurance (LMI), helping you get into the market sooner. Eligibility criteria and lender requirements apply.
How much can I borrow?
Your borrowing capacity depends on your income, expenses, existing debts, savings, and overall financial position. We can provide an estimate based on your circumstances.
Can you help me understand my borrowing power before I start house hunting?
Absolutely. Understanding your budget before looking at properties can help you focus on homes within your price range and avoid disappointment.
Do I qualify for any first home buyer grants or schemes?
Potentially. There are several government grants and support schemes available to eligible first home buyers. We'll help determine which ones may apply to you.
How long does a home loan process take?
Every application is different, but obtaining finance approval can take anywhere from a day to several weeks depending on the lender and your circumstances.
What happens after I submit my assessment?
We'll review your information and contact you to discuss your borrowing capacity, potential loan options, and the next steps towards purchasing your first home.
Is there any obligation if I complete the assessment?
No. Completing the assessment simply helps us understand your situation and determine how we may be able to help.
How does a mortgage broker get paid?
In most cases, mortgage brokers are paid by the lender after your loan settles. At Zippy Financial, we do not charge any upfront fees for our mortgage broking service. Instead, we are paid a commission by the lender, so you can receive expert guidance and support throughout the home loan process at no upfront cost.
Ready to Explore Your Home Loan Options?
