First Home Buyer Loans Made Easy
Purchasing your first home is a big milestone, but it can be confusing without the right guidance. At Loans360, we specialise in first home buyer loans, helping our client take their first step onto the property ladder with confidence.
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Why Choose Loans360 for Your First Home Loan?
Access to Grants & Schemes
We’ll help you navigate First Home Owner Grants, stamp duty concessions, and other schemes you may qualify for as a first home buyer.
Tailored Loan Solutions
We’ll compare rates, features, and repayment options across lenders to help you find the most suitable loan for your goals and lifestyle.
Pre-Approval Made Simple
Our broker handles paperwork, talks to lenders, and ensures you know exactly how much you can borrow, so you can shop with confidence.
Expert Advice, All Along
From borrowing power to settlement, your dedicated broker supports you with expert guidance and clarity at every stage of the journey.
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What You’ll Need to Get Started
Below are the documents you’ll need to get started on your home loan application.
Proof of income and savings
ID documents
Deposit amount (we can advise on how much you need)
Details about the property (if already chosen)
We’ll clearly outline everything you need and make it as easy as possible.
Your Dream Home Starts Here
Loans360 is here to make your first home buying journey smooth, fast, and stress-free. With competitive rates, expert advice, and end-to-end support, you’re in good hands.
How Our Process Works
- 1. Let’s Chat
We get to know you, your goals, and how much you can borrow.
- 2. We Do the Homework
We compare hundreds of loan options from our trusted lender network to find the most competitive fit for you
- 3. Pre-Approval Sorted
We help you get pre-approved so you can house hunt with confidence.
- 4. Application Made Easy
We handle all the paperwork and liaise with the lender on your behalf.
- 5. Loan Approved, Home Secured
Once approved, we’ll guide you right through to settlement and beyond.
What are the different types of home loans?
Variable rate loan
As the name suggests, the interest rate can change over the life of the loan. This gives you flexibility, but can also leave you open to rate rises. These loans offer more flexible features like unlimited additional repayments, redraw, and offset accounts.
Fixed rate loan
Basically, this is the opposite of a variable rate loan. Your interest rate and repayments will stay the same during the fixed term, no matter what. So no surprises.
Split loan
You’re able to fix part of your loan, while leaving the rest variable.
Packaged loan
Professional packages offer discounts on standard variable and fixed rates, the waiving of fees, and in some cases, great deals on other products from the same lender. A packaged loan usually comes with one annual fee for the bundled products.
Introductory rate loan
Also known as ‘honeymoon’ loans, these offer a low interest rate for a short period (e.g., a year), after which the rate moves to the standard variable rate.
Interest only loans
As the name suggests, you only pay the interest on the principal balance for a set term, with the principal balance unchanged.
Guarantor home loans
A guarantor uses the equity they’ve built up in an existing property to help you purchase your property sooner. Guarantors could be your parents, parent-in-law, or a step-parent or grandparents.
Rated 5 out of 5 stars by our customers!
At Loans360, we’re more than just mortgage brokers - we’re your trusted partners every step of the way. From your first consultation to annual reviews long after your settlement, we’re dedicated to providing personalized service and building relationships that last.We know choosing the right mortgage broker is a big decision. Don’t just take our word for it - hear from hundreds of our happy clients through their genuine Google reviews. You can be confident you’re in the right hands with Loans360.
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Nishi has always been great at what she does! She has saved us 1000s of dollars in the last few years. She is very responsive and great to work with! Highly recommend her.
2 months ago
Nishi made our refinancing a very easy, stress-free process. Communication was 100% always there to answer any questions and contacted us straight away with all updates. It was a pleasure working with Nishi with our finances, definitely were in good hands ! 👏❤️
6 months ago
Nishi is an awesome broker , her attention to details , honest and quick feedback is impressive . She works hard for her clients and always looks for the deal the will work for you. So far she helped me and many of my family and friends with home loans and recently my car loan 😊 they all speak highly of her too . she is our one and only , thank you Nishi 👌
4 months ago
Nishi has been a massive help in not only making the process of buying my first house as clear and convenient as possible, but also served as a great and accessible contact to assist in explaining all the stages and terminology that I was not familiar with.
6 months ago
Nishi was an absolute joy to work with from start to finish. Her absolute professionalism, friendlines, diligence and unwavering support made the process of buying our home so much easier and straightforward - it really took so much of the stress away from the process for us. She is always available if you have any questions, her responsiveness is impressive and her expertise is invaluable. Thank you so much, Nishi, for all of your support - we couldnt have done it without you!
7 months ago
Nishi is a great reassuring help when entering into the industry for the first time. Nishi was extremely passionate, educational and prompt in all of her documentation and advice that she provided. She went above and beyond to ensure I felt comfortable and was making the best decision to benefit my own personal circumstances. Nishi was never judgemental and encouraged questioning to ensure clarity and understanding was reciprocated. Thank you Nishi for your assistance. I am positive to be dealing with Nishi again in the near future!!
4 months ago
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