First Home Loans
Step into your first home with expert guidance, fast approvals, and tailored finance solutions designed to set you up for success.
First-Home Buyers Deserve More Than Just a Loan - They Deserve a Plan
A first home isn’t just a purchase – it’s a milestone. A turning point. A foundation for your financial future. That’s why at XploreFS, we don’t treat first-home loans like a cookie-cutter product. We create a personalised plan that reflects your goals, your circumstances, and your future.
With over two decades of experience in both property and finance, we bring real-world insight that goes far beyond the bank. We’ll help you make sense of government incentives like the First Home Owner Grant (FHOG), accurately assess your borrowing power, and structure your loan for long-term success – not just a quick approval.
We’re committed to your best interests – not the lender’s. Our job isn’t just to get you into a loan. It’s to get you into the right one – with clarity, confidence, and support at every step.
Get Approved for Your Home Loan the First Time - With Over 95% Success Rate
Did you know nearly 40% of home loan applications in Australia are rejected?
The good news? Most of those rejections are avoidable – and at XploreFS, we make sure of it.
We use cutting-edge serviceability software to accurately match you with lenders whose policies align with your financial profile. Every application is reviewed in detail by an expert before it goes anywhere near a bank. We’ll check your credit, verify your documents, and eliminate any red flags that could slow you down.
Our clients benefit from a 95%+ approval rate, and that means less stress, faster turnarounds, and a smoother path to getting your keys.
It’s Not Just About the Lowest Rate - It’s About the Right Fit
As a first-home buyer, choosing a loan isn’t just about chasing the lowest rate – it’s about finding the structure that supports your life.
Should you go fixed or variable? Do you need an offset account? What features will help or hurt you five years down the track?
At XploreFS, we break all that down with you – clearly and honestly. We don’t push one-size-fits-all products. With access to over 45 lenders and strong relationships with dedicated bank BDMs (Business Development Managers), we negotiate terms that give you real long-term value – not just a good-looking number today.
More Than Brokers - We’re Your Long-Term Finance Partner
Your first home loan is just the start of your property journey – and we’re here for the long haul.
We don’t just lodge the paperwork and vanish. We actively manage your application right through to settlement and beyond. We’ll communicate with banks, real estate agents, and other stakeholders to move things forward quickly and efficiently – so you can focus on finding your home, not chasing paperwork.
And after you’ve moved in? We’re still here. We’ll check in regularly, help you make sense of changing rates, and guide you if it makes sense to refinance or restructure.
You can call, email, or video chat with us anytime. We’re based in Brisbane, but we work with first-home buyers across Australia – via Zoom, phone, or Teams.
That’s the XploreFS difference. We’re not just brokers. We’re partners in your financial journey.
Frequently Asked Questions About First Home Loans
How much deposit do I need for a first home loan?
Most lenders require at least a 5–10% deposit, but this can vary depending on the property and your financial situation. The good news? As a first-home buyer, you may be eligible for low-deposit loans or government-backed schemes. We’ll help you assess your options and choose the path that gets you in the door faster.
Can I use the First Home Owner Grant (FHOG) for my loan?
Absolutely. If you’re buying or building a new home in Australia, you may qualify for the First Home Owner Grant – potentially giving you up to $15,000 toward your purchase. We’ll check your eligibility and even handle the application process as part of your loan journey.
What do I need to get pre-approved for a home loan?
Pre-approval is the green light from a lender that tells you how much you can borrow. To get started, you’ll typically need ID, payslips, bank statements, and details of any debts or liabilities. We’ll guide you through each step and make sure you’re fully prepped to move quickly when the right home pops up.
What if my credit score isn’t perfect?
Don’t stress – a lower credit score doesn’t always mean a declined application. We work with over 45 lenders, including those who specialise in helping first-home buyers with unique financial histories. Our job is to find the right lender, not just the biggest one.