First Home Buyers
Break into the property market as a first-home buyer with ease
There’s a lot to consider, from choosing the right property to understanding the financial commitments and securing the right loan. For first-home buyers, navigating this journey can feel overwhelming
That’s where Sarah Rose Finance comes in. With years of experience, personalised service, and a deep understanding of the property and finance markets, we make entering the property market simple, transparent, and stress-free.
More than 40 lenders to choose from, including the majors.
Why use a Mortgage Broker for Your First Home?
Many first-home buyers make the mistake of going directly to a bank to secure the best deal themselves. While banks offer a range of loan products, they are limited to their own offerings and cannot compare multiple lenders for you.
At Sarah Rose Finance, we work for you, not the bank. Our job is to understand your unique situation, assess your borrowing power, and match you with a home loan that suits both your financial goals and lifestyle.
The Benefits of Working with Sarah Rose Finance
With so many brokers and lenders available, why should you choose Sarah Rose Finance?
Personalised Service
We take the time to understand your goals and circumstances, ensuring the financial solution is tailored to you. You’re not just another application; your dream home deserves a strategy that works for you.
Fast, Efficient Process
Buying a home can be time-sensitive, especially in competitive markets. Our experience and proactive approach help speed up approvals and keep your purchase on track. Transparency and Trust
Expert Guidance on Investor Strategy
While first-home buyers are often focused on the purchase itself, we also provide insights on how this first property can fit into a long-term wealth strategy. Planning early can help maximise future borrowing potential.
Australia-Wide Access
No matter where your dream home is, our services are available Australia-wide. We leverage technology and our fintech experience to provide seamless support whether you’re on the Gold Coast or beyond.
From start to finish, we help you understand every step. There are no hidden fees, no surprises; just clear advice and support tailored to your needs.
The Step-by-Step on Buying Your First Home
We’ve designed a step-by-step process to make the home-buying journey as simple as possible.
- Initial Consultation: We start with a free consultation to understand your goals, income, and current financial situation. This helps us determine your borrowing power and identify the loan types most suitable for you.
- Pre-Approval: We lodge a pre-approval application with the lender(s) that match your needs. Pre-approval gives you a clear idea of what you can borrow, giving you confidence when making offers on your first home.
- Property Search Guidance: While we’re not real estate agents, our expertise helps you evaluate properties based on your budget, future plans, and loan suitability. We make sure you’re not just buying a home, you’re making a strategic investment in your future.
- Full Loan Application: Once you’ve found the right property, we prepare and lodge the full loan application, including all required documentation. We liaise directly with the lender to streamline the process and manage any conditions they may require.
- Approval and Settlement: After the lender assesses your application and satisfies all conditions, we guide you through the final approval and settlement process. This includes ensuring insurance is in place, funds are correctly allocated, and your transition into homeownership is smooth.
Making your First Home Puchase Stress-free
At Sarah Rose Finance, we understand that buying your first home is more than a financial transaction; it’s a life-changing milestone.
That’s why we combine expertise, personalised service, and technology-driven solutions to make your journey smooth and successful. We take the stress out of buying your first home, allowing you to focus on the excitement of moving into your new property.
No matter where you are in Australia, our team is ready to guide you through the process, maximise your opportunities, and help you make informed, confident decisions every step of the way.
Get in touch today and let us be your trusted mortgage broker team and take the first step towards turning your homeownership dreams into reality. With us by your side, buying your first home has never been easier.
First home buyers FAQ
What’s the first step to buying my first home?
As a first home buyer, your first step is to book a free consultation. We’ll review your goals, borrowing power, and current lending situation. From there, we’ll create a tailored strategy to suit your needs.
Why should I use a finance broker instead of going directly to a bank for my first home purchase?
A broker works for you, not the bank. We compare multiple lenders and loan products to find the most suitable option for your needs. You’ll save time, often access better rates, and get ongoing support long after settlement.
Additionally, brokers are paid commission by lenders, meaning our services are typically free for clients. This won’t affect the rate or loan structure we recommend, as our top priority is always finding the best outcome for you.
What documents will I need to provide?
When applying for a home loan, generally you’ll need:
- Proof of ID (driver’s licence, passport)
- Recent payslips or income evidence
- Bank statements
- Details of assets and liabilities
- Property details (if applicable)
Whatever outcome you’re looking for, we’ll guide you through exactly what’s needed for your application.
Do you only help local clients?
Although we are based on the Gold Coast, we can assist clients from all across Australia via phone, email, or video meetings.
What services do you offer?
- Home loans and investment property loans
- Car and asset finance
- Business and commercial loans
- Equity release for renovations or deposits
- Loan reviews and refinancing
- Borrowing power assessments and lending strategies
See what others have to say
"Sarah Rose Finance team truly understands the market and helped me secure the best mortgage deal. I highly recommend their services."
John Milligan
"Working with Sarah Rose Finance (SRF) was a game-changer for me. Their personalized approach made all the difference in my investment journey, now have 3 properties!"
Emily Chen
"I am grateful to Sarah Rose Finance for their expert guidance. They made the mortgage process smooth and stress-free."
Aisha Patel
Request a Call
At Sarah Rose Finance, we pride ourselves on being the mortgage brokers you can rely on to discuss your property needs. Request a call today, and let’s take the stress out of your next property journey.