About this site

This site is written and reviewed by Kelly S, who has hands-on experience helping first home buyers understand the home loan process, compare lender requirements, and prepare for the costs involved in buying their first property.

Kelly created this site to give first home buyers clear, practical and easy-to-understand guidance on topics such as deposits, borrowing power, pre-approval, government schemes, upfront costs and choosing the right loan structure.

The information on this site is based on real questions first home buyers commonly ask, current lending considerations and practical experience working with buyers at the early stages of their property journey. The goal is to make the process less confusing so readers can make more informed decisions before speaking with a broker, lender or financial professional.

While the content is designed to be helpful and accurate, it is general information only and does not replace personalised financial advice. First home buyers should always consider their own circumstances and speak with a qualified mortgage broker, lender or financial adviser before making decisions.

How we write these guides

Every guide is general information, written in plain English and checked against official Australian sources — Moneysmart, the ATO, Housing Australia and state revenue offices. We link to those sources so you can verify anything yourself. We don’t give personal financial or credit advice.