Deposit + buying costs
Allow for more than the deposit: legal fees, inspections, moving costs and any stamp duty. A smaller deposit may mean lenders mortgage insurance and different loan options.
Estimate stamp dutyHome / First Home BuyerYour first home.
Your first home starts here
Your first home.
A clearer way in.
From saving a deposit to understanding pre-approval, we help you make sense of the steps ahead. Start with questions, not paperwork.
A no-obligation conversation with Bud, your mortgage broker.
Before you start looking
Three numbers to get clear on.
A borrowing estimate is a starting point. Your everyday comfort matters too.
A comfortable repayment
Build a budget around your living costs, existing debts and room for the unexpected. Try a higher interest rate to see how a change could affect repayments.
Explore repaymentsWhat you could borrow
Lenders assess income, expenses, debts and other factors. Use an estimate to explore a price range, then speak with us about your circumstances.
Estimate borrowing powerGeneral information and estimates only. Loan approval, costs and eligibility depend on your circumstances and the lender.
From first thought to front door
Your home loan,
one step at a time.
You do not need to have it all worked out. Here is what the journey typically looks like, and where Keypoint helps.
- 01
Know your starting point
Talk through your income, savings, commitments and the repayments you would feel comfortable with.
You bring your goals. We help put the numbers in context. - 02
Explore your loan options
Compare suitable loans, their costs and features. If appropriate, we can help you seek pre-approval before you shop.
Pre-approval is conditional; it is not a guarantee of a final loan. - 03
Find a home. Finalise finance.
Once you have a property in mind, we help manage the application, lender assessment and valuation.
Your solicitor or conveyancer advises on the contract and legal steps. - 04
Settle in, with support
We coordinate the lending side of settlement and explain the next steps. You can come back to us as your needs change.
Support from the first conversation through to life after settlement.
Still exploring? That is a good time to talk.
Ask Bud about your next stepA little preparation helps
Bring your questions.
We will work from there.
You do not need a property picked out to start a conversation. Having a rough picture of these details can help us understand where you are today.
Talk through my options- What you want to buy and when you hope to move
- Your savings and any funds available for a deposit
- Your income, living costs and existing debts
- The repayments you would feel comfortable with
- Anything you are unsure about — no question is too small
Good questions to ask
A little clarity,
before you commit.
Why use a mortgage broker?
Keypoint helps you understand your position, compare suitable options from its lender panel and manage your application. We explain the differences in costs and features and keep you informed through the process.
Do I need a 20% deposit?
Some borrowers can buy with a smaller deposit. The options depend on your circumstances, the lender and any eligible assistance scheme. A smaller deposit may involve lenders mortgage insurance or additional requirements. We can help you understand the trade-offs.
Read MoneySmart’s deposit guideWhat does pre-approval actually mean?
It is a conditional indication of what a lender may be willing to lend. Final approval still depends on lender checks, the property and your circumstances. Check the conditions and expiry date, and get legal advice before committing to a purchase.
Is there help for first-home buyers?
You may qualify for government assistance, depending on the property, your circumstances and current rules. NSW stamp duty assistance can apply to eligible new or existing homes; grants and other schemes have their own criteria. Check the current rules before including assistance in your budget.
Check NSW first-home buyer assistanceWhat does it cost to speak with Keypoint?
Your initial consultation is free and without obligation. Keypoint’s mortgage broking services are generally paid by the lender through upfront and ongoing commission. Lender fees and charges may still apply. We will explain the relevant costs and remuneration; fees may apply to non-mortgage or business lending.
Should I compare more than the interest rate?
Yes. Consider fees, the comparison rate, repayment flexibility, and whether features such as an offset account suit the way you manage money. We help you weigh up those differences alongside the rate.