Buying your first home? See if you can afford it — only takes 90 seconds

03 8828 9990

★ Trusted by 400+ first home buyers like you

Wondering if you can afford a home?

Just 5 quick questions. We'll check what you qualify for and one of our directors will call you back the same day. No pressure, no obligation — just honest answers.

✓ 98% of eligible first home buyers got approved in 2025-26^

Check your eligibility →

🏡 400+ families placed their first home • ★ 4.9/5 rating from real clients

🏡 247 families settled this year alone • $48.2M in loans helped make it happen

YOUR 90-SECOND CHECK

See if you qualify — takes 90 seconds

Answer 5 quick questions. Won't affect your credit score. A director reviews your answers and calls you back today.

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WE'VE GOT YOU COVERED

Access to 25+ banks and lenders — all in one place

We're connected with over 25 banks and lenders across Australia, so we can shop around for you. Thousands of home loan options, one conversation. Simple.

*Not all lenders work with brokers — but most of the good ones do.

Sukhjinder Dhillon

Managing Director • 18+ years helping first home buyers

"Most first home buyers think they need a 20% deposit. I've helped hundreds buy with as little as 5% down through the First Home Guarantee — saving them years of renting. My job is to cut through all the confusing jargon and show you what's actually possible."

400+ families placed • $48M+ in first home loans

Cert IV Finance

Dip Mortgage Broking

Dhrupal Patel

Head of Operations • 15+ years navigating the system

"I've sat with clients who were absolutely convinced they'd never get approved — casual workers, freelancers, graduates with HECS debt. Almost every single time, there was a path they just couldn't see. After 300+ applications, I know the lenders' playbook inside out."

95%+ approval rate • Specialises in complex applications

Cert IV Finance

MBA (Finance)

Grants you might be leaving on the table

There are thousands of dollars in grants and schemes out there for first home buyers that most people never claim. We'll check what you qualify for — automatically, at no cost.

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First Home Owner Grant

Available in every state for new builds. We'll handle the paperwork so you don't have to lift a finger.

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Home Guarantee Scheme

Buy with as little as 5% deposit and save $30,000+ in LMI. We check your eligibility automatically during your assessment.

REAL PEOPLE, REAL HOMES

Real families who actually made it happen

Sam & Jessica

Brunswick VIC

Saved $52,000 in LMI

"We thought we'd need years to save a deposit. Sukhjinder showed us the First Home Guarantee — we got in with 5% down and had the keys in 3 months. Honestly couldn't believe it was that simple."

Marcus & Chloe

Preston VIC

Saved $38K, locked in at 4.95%

"We'd been renting for 4 years thinking we couldn't afford to buy. Dhrupal found us a rate our regular bank wouldn't even offer. Now our mortgage actually costs less than our rent used to."

The Park Family

Werribee VIC

Saved $68K, bought 6 months ahead of plan

"With three kids, we thought buying a home was years away. Michael helped us sort out our debt, found grants we didn't know existed, and got us pre-approved in 48 hours. Life-changing doesn't even cover it."

HERE'S HOW IT WORKS

Here's exactly how it works (it's simpler than you think)

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Tell us your story

Answer a few quick questions about your situation. We'll work out what you can borrow and find every grant you qualify for. Quick, and zero pressure.

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Get pre-approved

We'll get you pre-approved within 24 hours. That way, when you find the right place, you'll know exactly what you can offer.

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Find the right loan

We'll compare lenders to find you a competitive rate. No need to shop around yourself — we do all the legwork.

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Get the keys

From offer to settlement, we coordinate everything with the banks and solicitors. You just show up on moving day.

✅ Pre-Approval

We'll get you pre-approved within 24 hours. That way, when you fall in love with a place, you'll know exactly what you can offer — and you can make an offer with confidence.

✔ 24-hour turnaround ✔ Won't affect your credit score

🏡 Grant Applications

We'll find every grant and scheme you might qualify for — First Home Guarantee (yes, just 5% deposit), FHOG, First Home Super Saver, and more. Our clients regularly discover thousands in support they had no idea existed.

✔ Buy with 5% deposit ✔ We check eligibility for you

📋 Settlement Support

From your offer to the keys in your hand — we handle the paperwork, talk to the banks, and coordinate with your conveyancer. All you have to do is show up on moving day.

✔ We manage it all ✔ We chase the banks so you don't have to

Got questions? We've got answers.

How much deposit do I actually need?

Here's the thing — you might not need as much as you think. Through the Home Guarantee Scheme, eligible buyers can get in with just 5% down. We'll check what you qualify for during your assessment. No guesses, just real answers.

Will checking affect my credit score?

Nope. Our initial check is what's called a 'soft check' — it doesn't touch your credit file at all. So there's zero risk in finding out where you stand. Seriously.

How long does the whole process take?

The initial check takes about 90 seconds. A director reviews it and calls you back the same day. If everything looks good, you could have pre-approval within 24 hours. Yes, really.

What if I'm self-employed or work casually?

No worries at all — we actually specialise in this. Just select 'Self-employed' or 'Casual' when asked about your income. We know exactly which lenders look beyond the standard PAYG setup.

WHAT WE OFFER

Home loans
made simple.

We're here to help you buy your first home — from pre-approval through to getting the keys. No jargon, no hidden fees, just honest advice from a team that's got your back.

All Services →

Ready to start your
home buying journey?

From pre-approval to getting the keys, our brokers are with you every step of the way. We make home loans simple, transparent, and — dare we say it — actually stress-free.

03 8828 9990

[email protected]

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Your local mortgage &
finance experts

We're a team of finance professionals who genuinely care about helping Australians buy their first home. No ego, just real results.

DSS TRAID PTY LTD

Australian Credit Licence: XXX XXX XXX

Credit Representative: 000577018

Winverse Finance (DSS Traid Pty Ltd) is a Credit Representative (000577018). This website provides general information only and does not constitute credit advice. All applications subject to lender credit criteria. Rates, fees and terms may vary. Our initial assessment uses a soft credit check that does not affect your credit score. Formal applications require a comprehensive credit assessment by the lender. Statistics (including approval rates, savings figures) are based on Winverse Finance internal data for 2025-26. Individual results vary. Pre-approval is conditional and subject to formal credit assessment, property valuation, and lender approval. Calculator results are estimates only and do not represent a loan offer. Home Guarantee Scheme eligibility is subject to property value caps, income limits, and availability. Commission and fee disclosures available on request.