The First Home Guarantee allows eligible buyers to purchase with just 5% deposit and zero LMI.
Government-backed scheme with limited places each financial year. We help you secure a place.
Your options
Low deposit pathways that actually work
We know which lenders have the most favourable LMI policies and which government schemes have remaining places.
5%
First Home Guarantee
Buy with 5% deposit and zero LMI. Government-backed with limited places — we help you secure one.
$15,000
First Home Owner Grant
Cash grant for eligible buyers of new homes under $650,000 in SA.
Guarantor
Family guarantee loans
A family member uses equity in their property as security, helping you buy sooner and avoid LMI.
How it works
How we get you the right loan
Simple, clear, no surprises.
1
Assess your options
We review your savings, income, and situation to identify every low deposit option available to you.
2
Confirm eligibility
We check your eligibility for the First Home Guarantee, FHOG, guarantor options, and LMI waivers.
3
Find the right lender
We search 60+ lenders for the best low deposit product — balancing rate, LMI cost, and loan features.
4
Get you into your home
We manage the application end to end and coordinate through to settlement.
Real stories, real results
5.0 from 124 Google reviews
Rated five stars across the board — built on honest advice, genuine care, and outcomes that make a real difference in people's lives.
Verified Google review
"Both Steve and Jason have been amazing. They answered all our questions and linked us with a great conveyancer. Would give ten stars if we could."
TB
Talitha Budd
★★★★★
"Refreshing to speak with someone open and honest. Advice tailored to my needs and genuinely in my best interest."
Jess Vogel
3 weeks ago
★★★★★
"Jason's expertise and unwavering support made what could have been a stressful journey feel seamless and manageable."
Dylan Daws
24 weeks ago
Meet your Adelaide team
Jason and Steve are here to help
Personalised lending support across Adelaide. Book a chat and we will guide you from first questions to settlement.
Jason Given
Director & Mortgage Broker
With a passion for finding solutions and a special interest in complex lending needs, Jason brings expertise and genuine empathy to every client relationship.
Steve Chin
Mortgage Broker
With over 15 years in finance, Steve is known for going above and beyond. His mission has always been to simplify the process and get the best outcome every time.
Office
562 Goodwood Road, Daw Park SA 5041
Phone
Hours
Mon–Wed 9am–7pm · Thu–Fri 9am–5pm
Weekends by appointment
Weekends by appointment
Common questions
Frequently asked questions
Straight answers from your Adelaide mortgage brokers.
LMI protects the lender if you default. Required when your deposit is under 20%. Can be avoided through the First Home Guarantee.
Yes — through the First Home Guarantee with 5% deposit and zero LMI, or a family guarantor loan.
A family member uses equity in their property as additional security, helping you avoid LMI and buy sooner.
Yes — completely free. We are paid by the lender at settlement.