Buying a home
Buying or building a home is a big move, whether it’s your very first place, an upgrade for the family, a holiday home or a long-term investment. At Beyond Broking, we help you make smart, confident decisions – from understanding your borrowing power through to settlement and beyond.
We combine expert advice, a clear plan and access to over 50 lenders so you can secure the right loan structure for your situation, not just the first rate you see.
First Home Buyers
Getting out of the rent cycle and into your first home can feel overwhelming. We guide you through deposits, grants, schemes and lender policies, making each step clear so you know exactly what to do next.
Next Home & Upgrading
Need more space, a better location, or looking at a holiday or investment property? We help you plan the move – whether you’re selling first, keeping your current place as an investment, or using existing equity to buy your next home
Building or Renovating
From major renovations to building a home from scratch, we structure finance to suit your project. That includes construction loans with progress payments, renovation loans and strategies to keep your cash flow under control while the work’s underway.
How we structure your lending
Clear Borrowing Power
We start by understanding your income, expenses, debts and goals. Then we model how much you can comfortably borrow across multiple lenders – so you can shop with a realistic budget and avoid over-stretching.
Smart Loan Strategy
We start by understanding your income, expenses, debts and goals. Then we model how much you can comfortably borrow across multiple lenders – so you can shop with a realistic budget and avoid over stretching.
Government Schemes & Incentives
We start by understanding your income, expenses, debts and goals. Then we model how much you can comfortably borrow across multiple lenders, so you can shop with a realistic budget and avoid over-stretching.
Borrowing Power & Loan Strategy
Grants & First Home Buyer Incentives
Before you start house hunting, it’s essential to know how much you can borrow and plan your loan strategically. We crunch the numbers for you, taking into account your income, expenses, and financial goals. With a clear picture of your borrowing power, you’ll avoid overextending yourself and make informed decisions. We provide tailored recommendations, tips on reducing unnecessary costs, and guidance on the right loan structure so you can maximize your repayments and reach homeownership sooner.
Government grants and incentives can significantly reduce your costs as a first home buyer. Beyond Broking helps you understand and access the First Home Guarantee, First Home Owner Grants, and stamp duty concessions. We assess your eligibility, explain the application process, and ensure you take full advantage of all benefits available in your state. By simplifying the rules and guiding you through the steps, we make sure you save money and get the most out of these valuable schemes while making your first home purchase smoother and more affordable.
Why Choose Beyond Broking?
We combine expertise, personalized service, and access to over 50 lenders to help first home buyers secure the right loan, grants, and financial guidance — making the journey to homeownership smooth and stress-free.
How we structure your lending
Clear Borrowing Power
We start by understanding your income, expenses, debts and goals. Then we model how much you can comfortably borrow across multiple lenders – so you can shop with a realistic budget and avoid over-stretching.
Smart Loan Strategy
We start by understanding your income, expenses, debts and goals. Then we model how much you can comfortably borrow across multiple lenders – so you can shop with a realistic budget and avoid over stretching.
Government Schemes & Incentives
We start by understanding your income, expenses, debts and goals. Then we model how much you can comfortably borrow across multiple lenders, so you can shop with a realistic budget and avoid over-stretching.
Borrowing Power & Loan Strategy
Grants & First Home Buyer Incentives
Before you start house hunting, it’s essential to know how much you can borrow and plan your loan strategically. We crunch the numbers for you, taking into account your income, expenses, and financial goals. With a clear picture of your borrowing power, you’ll avoid overextending yourself and make informed decisions. We provide tailored recommendations, tips on reducing unnecessary costs, and guidance on the right loan structure so you can maximize your repayments and reach homeownership sooner.
Government grants and incentives can significantly reduce your costs as a first home buyer. Beyond Broking helps you understand and access the First Home Guarantee, First Home Owner Grants, and stamp duty concessions. We assess your eligibility, explain the application process, and ensure you take full advantage of all benefits available in your state. By simplifying the rules and guiding you through the steps, we make sure you save money and get the most out of these valuable schemes while making your first home purchase smoother and more affordable.
Why Choose Beyond Broking?
We combine expertise, personalized service, and access to over 50 lenders to help first home buyers secure the right loan, grants, and financial guidance — making the journey to homeownership smooth and stress-free.
First Home Buyer Specialists
Helping hundreds of first-time buyers with tailored guidance, expert advice, and personalised support for a smooth, successful homeownership journey.
Long-Term Finance Partner
We review your loan post-settlement, ensuring it remains competitive, aligned with your goals, and continues to support your financial growth.
Trustindex rating score: 5.0 of 5,based on 247 reviews
Book Appointment
Frequently Asked Questions
Here are answers to the questions we hear most often. Still need help? Fill in the Form for Discussion.
Most first home buyers aim for a 10–20% deposit, but you can often buy with far less. Government schemes like the First Home Guarantee allow eligible buyers to purchase with as little as 5% deposit without paying Lenders Mortgage Insurance (LMI). We’ll calculate the exact amount you need and help you understand all upfront costs before you start looking.
In WA and NSW, first home buyers may access support such as the First Home Owner Grant, stamp duty concessions, and Federal Government schemes that reduce deposit requirements. Eligibility varies by location, income, and property type. We guide you through what you qualify for and help you apply as part of the loan process.
Yes. A guarantor home loan lets a family member use part of their property’s equity to secure your loan, reducing your deposit and helping you avoid LMI. Not every lender offers this option, and the structure needs to be set up correctly. We explain the risks and responsibilities for everyone involved and manage the full application for both you and your guarantor.
Your borrowing power depends on your income, savings, spending habits, debts, and the lender’s assessment rules. Each bank calculates it differently, which is why many buyers get very different answers. We compare multiple lenders and give you a clear borrowing range so you know exactly what price bracket you can shop in.
Check out our borrowing calculator!