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

★ Trusted by first home buyers across Melbourne

⏱ We call you back the same day — no obligation

See If You Can Afford Your First Home — In 90 Seconds

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.

Check your eligibility →

Licensed Credit Rep 000577018 · 5+ years experience

See if you qualify — takes 90 seconds

Answer 5 quick questions. Won't affect your credit score. A director reviews your answers.

90-second check

We review it

Call you same day

We work with buyers serious about buying in the next 6 months. No cost to eligible first-home buyers.

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 • 5+ 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."

Licensed Credit Rep 000577018 · 5+ years helping first home buyers

Dhrupal Patel

Head of Operations • 2+ 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

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

Chanchal & Family

NZ → Melbourne

First home as NZ citizens

"I had an amazing experience with Dhillon Singh, whose exceptional service made all the difference! He guided us through buying our first home as NZ citizens and shared invaluable insights on the best policies available."

Marcus & Chloe

Preston VIC

Locked in a competitive rate

"We'd been renting for years thinking we couldn't afford to buy. The team found us a rate our regular bank wouldn't even offer. Now our repayments are comfortably within reach."

The Park Family

Highett VIC

Bought sooner than they planned

"With three kids, we thought buying a home was years away. They helped us sort out our debt, found grants we didn't know existed, and got us pre-approved faster than we expected. 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 situation

No paperwork. No branch visits. Just a quick chat about where you're at and where you want to go. We do the heavy lifting from there.

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We find your best deal

We compare 30+ lenders to find you the lowest rate. Not the one that pays us the most commission — the one that actually saves you money.

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Move into your place

Once you've found the one, we handle everything — the paperwork, the back-and-forth with the bank, the whole lot. You just pack your boxes.

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We don't disappear after settlement

Most brokers vanish once the loan settles. We don't. We check in, make sure your rate stays competitive, and help you refinance when the time is right.

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WHAT OUR CLIENTS SAY

Real reviews from real buyers

Average rating: 5.0 on Google

PREFER TO PICK YOUR TIME?

Book a call when it suits you

If you'd rather not play phone tag, grab a time that works for you below. Pick a slot, and that's when we'll call. No random rings during family time, no missed calls, no back-and-forth texts.

We'll use the 15 minutes to understand where you're at and what you're trying to do. If we can help, we'll say so. If we can't, we'll tell you that too — no pressure either way.

— Dhrupal Patel, Sukhjinder Dhillon

No pressure, no obligation. Pick a slot and we'll call you then.

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.

Can I buy with my partner or flatmate?

Absolutely. In fact, buying with someone else often strengthens your application because you've got combined income. We'll assess both your situations together and find lenders who look at the full picture.

What's the difference between pre-approval and full approval?

Pre-approval is a lender's conditional yes — they've reviewed your financials and are willing to lend you up to a certain amount. Full approval happens once you've found a property and the lender does their final checks. Pre-approval gives you confidence to house-hunt with a clear budget.

Why use a broker instead of going straight to the bank?

One bank tells you what they can offer. We compare 30+ lenders to find the structure that actually fits your situation — not just today's lowest rate. We handle the paperwork, chase the lender, and advocate for you when things get complex. Same loan, often better. And in most cases, it costs you nothing — the lender pays us.

What if I've been rejected by a bank already?

A rejection from one bank doesn't mean you can't get a loan. Different lenders assess income, debts, and risk differently. We see applicants get approved every week after being knocked back elsewhere. Our job is to find the lender whose criteria match your actual situation — and structure your application so it lands.

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 straightforward — no jargon, no runaround.

03 8828 9990

[email protected]

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 ACN: 691 719 687, ABN: 13 691 719 687. Credit Representative Number 000577018 is Authorised Under Australian Credit License 384324.

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.