First Home Buyer Strategy Call: Victor Kwong | Loan Market

Not pre-approved yet? Start here.

Let's Buy Your First Home.

You've got a rough number from a calculator, but you haven't spoken to anyone yet, and you're not 100% sure that number is right. One free 15-minute call and you'll have a clear, honest read on where you stand.

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Sound familiar?

Most first home buyers feel exactly this way.

What We Cover

Here's what we'll work through together.

From your first call through to settlement, these are the things we'll work through at each step of the journey.

A realistic read on your position and timeline
How much deposit you actually need
Exactly how much you can borrow
Low deposit options: 5% scheme, LMI waiver, or guarantor
Upfront costs you need to budget for
What banks look for in your application
Common mistakes to avoid
Fixed vs variable: what's right for you
Exclusive lender offers most buyers never see

Ready to find out what your real number is?

Book Your Free 15-Minute Call
Victor Kwong — Director & Mortgage Broker at Loan Market
Victor Kwong
Director & Mortgage Broker · Loan Market
I'm Victor, a mortgage broker specialising in first home buyers, and I've helped 100+ families across Australia purchase their first home.

Buying your first home is a long and stressful journey. Most of the people I speak to have been going to open homes, have a number in their head, but haven't actually spoken to anyone yet, and have been delaying because they don't have a clear plan. My goal is to help you make that first move, show you your real numbers, and minimise the stress along the journey, so you can focus on your dream home.

How we'll work together.

From your first question to settlement and beyond, here's what the process looks like.

  1. Free Strategy Call

    A 15-minute conversation to understand your situation: how close you are to being ready, what you're aiming for, and whether there are any obvious barriers. I'll give you an honest read on where you stand and what makes sense as a next step.

  2. Fact Find

    If you want to move forward, I'll send you a form covering your income, expenses and goals. The more accurate the information, the more accurate my assessment.

  3. Strategy Meeting

    Once I have your details, we go through everything properly: your actual borrowing power, what's realistically available, and the specific steps to get there.

  4. Pre-Approval

    When you're ready to move, I research your options, select the right lender, and lodge your application. I handle the back and forth so you don't have to follow up with anyone.

  5. All the Way to Settlement

    After approval, I manage everything through to settlement. Most people are surprised by how little they have to do at this point. That's the idea.

Different situations

There's more than one way in.

5% Deposit Scheme
Dual income couple, $150K combined, $70K saved
Checked their numbers against 40+ lenders. Turned out a 5% deposit at a competitive rate was already within reach. Bought their first home in Queensland
High Income, Low Deposit
Dual income couple, $260K combined. Strong income, minimal savings. Property above the scheme price cap.
Matched with a lender suited to high income earners with limited deposit. Bought a $1.4M home in New South Wales.
Family Guarantor
Dual income couple, $180K combined. Strong borrowing power, no savings
Parents stepped in as guarantor, their equity used as security. Bought their first home in Victoria with no deposit.

Seen your situation in there? Let's talk.

Book Your Free 15-Minute Call
Google Reviews

What clients say.

5.0 · Rated on Google
Government Help For First Home Buyers

What help is actually available.

There are a few different schemes for first home buyers, and people often mix them up. Here's the short version.

5% Deposit Scheme

Buy with as little as 5% deposit and skip Lenders Mortgage Insurance. This is the main scheme I help most clients through.

First Home Owner Grant

A one-off cash payment from the state government, usually for new builds. A separate scheme to the deposit scheme above.

First Home Buyer Assistance Scheme

Reduces or removes stamp duty on eligible purchases under the NSW price cap.

Help to Buy

A federal shared equity scheme. The government co-owns part of your home to lower how much you need to borrow. Income limits apply.

Which of these you actually qualify for, and whether they're worth combining, depends on your situation. That's exactly what we go through on the call.

Why use me?

The difference is clear.

Going it alone
  • Hours of research, still confused
  • Limited to your bank's products only
  • Don't know if you actually qualify
  • Risk of rejection damaging your credit score
  • Navigating government schemes alone
  • No support after settlement
Recommended
Working with Victor
  • Clear picture from one free 15-min call
  • 40+ lenders compared on your behalf
  • Pre-assessed before any application is lodged
  • Zero impact on your credit during assessment
  • All grants and schemes identified for you
  • Exclusive offers unlocked through my lender network
  • Ongoing support from call to keys
Common Questions

Quick answers before you book.

No. This is one of the most common misconceptions. Many people wait until they think they're "ready," but that conversation is exactly how you figure out what ready actually looks like for you. I'll tell you exactly what you need and how long it'll realistically take.
Mortgage brokers are paid a commission by the lender when a loan settles, which means you pay nothing at any point in the process. That's how the industry works, and I'm upfront about it.
Pre-approval actually comes first, not after you find a property. It tells you exactly what you can spend, so when you walk into an open home, you already know if you can make an offer. Going to inspections without pre-approval is how people fall in love with a property they can't afford to buy.
Not having a 20% deposit doesn't mean you can't buy. There are a few different paths depending on your situation. The 5% Deposit Scheme lets eligible first home buyers purchase with as little as 5% without paying Lenders Mortgage Insurance (LMI). Eligibility depends on your income and the property price cap in your area. An LMI waiver works differently: some lenders waive it based on your profession or loan structure, regardless of government schemes. A guarantor loan uses equity from a family member's property to cover the shortfall, which can mean buying with little to no deposit at all. On the call I'll run through your situation and tell you which of these actually applies to you.
From your first call to a pre-approval is typically 1–2 weeks, depending on your documents and the lender. Full settlement from offer accepted is usually 4–6 weeks. I'll give you a realistic timeline based on your specific situation.
Nothing happens unless you decide you want it to. It's a 15-minute conversation. I'll ask a few questions about your situation, give you a clear read on where you stand, and tell you what a sensible next step looks like. No paperwork, nothing to prepare, no commitment. If you want to move forward after that, I'll explain how. If not, you've still got a clearer picture than you had before.
You can, but if you're already going to open homes, you're already in a race against yourself. Pre-approval takes 1–2 weeks to sort out. If you find a property you want to make an offer on before that, you won't be in a position to move. The call is 15 minutes. It costs you less time than your next inspection.
Before You Book

Is this actually for you?

I'd rather tell you now than waste 15 minutes of your time later.

This works if
  • You're already going to inspections or actively browsing, but haven't actually spoken to anyone about your numbers yet
  • You feel ready for the next step, whether that's your first home or moving on to what's next, and want a clear picture before you commit
  • You want to buy and you're ready, you're just not sure how much you can actually borrow
It's probably not for you if
  • You're not currently employed, or your income wouldn't realistically cover a mortgage on top of your other costs. I'd rather tell you that now than have you find out after a rejected application
  • You've got no savings and no one who could act as guarantor either
  • You've got a default, bankruptcy, or other active credit issue. Sort that first, then come back and I'll help you from there

If that's you, book the call below. If it's not, no hard feelings. You've just saved yourself 15 minutes.

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Book a time

The hardest part is making the first move.

Most first home buyers put this off for months, usually because they're not sure if they're 'ready' yet. That conversation is exactly how you find out. It takes 15 minutes, and you don't need to prepare anything beforehand.

What to expect on the call:
  • 15 minutes, you don't need to prepare anything
  • A realistic read on where you stand and what's next
  • Grants and schemes you may qualify for
  • Honest feedback on your situation
  • A clear action plan to take forward
Free First Home Buyer Guide, yours after the call.
A complete step-by-step walkthrough of the entire buying process, from saving your deposit to getting your keys.
Available 7 days a week including evenings. Book a time that fits your schedule.

Prefer to reach out directly? Call 0451 821 319 or email victor.kwong@loanmarket.com.au

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