You don't need 20% saved to get started.
Most first home buyers we work with are closer than they think. We're your local mortgage brokers, and every step, we'll show you what's possible and cheer you on to get there.
Let us help you take the first stepHere's what we take care of before a lender's even in the picture
- Which government schemes you actually qualify for
- How much you can realistically borrow, today
- Whether a family guarantee could remove the deposit hurdle
- What a lender will ask about your income and expenses
You're not behind on your first home. You've just never been shown the full picture.
Deposit rules, stamp duty concessions, guarantor schemes and lender policies all shift depending on your situation, and most of it never makes it into a Sunday scroll through property listings.
The deposit myth
Most people assume they need 20% saved before anyone will talk to them. Plenty of our clients started their loan with far less, once we found the right scheme or lender.
Which scheme actually fits
Government 5% Deposit Scheme, Shared Equity Scheme, Stamp Duty Concessions. They all have different rules, and most buyers only ever hear about one of them.
Casual or self employed income
Lenders read these files differently to a generalist broker. We know which lenders actually understand irregular income, because we work with these situations every week.
Not knowing your number
Borrowing power calculators online rarely reflect real life. We give you an actual figure, based on your real income and expenses, before you fall for a house you can't get.
"You don't need to have it all figured out before you talk to us. That's our job. You just need to be honest about where you're starting from."
From confused to pre approved, in four steps
Take the 60 second quiz
A few quick questions about your situation. Nothing formal, nothing on your credit file.
Your discovery call with us
We walk you through what's realistic, what schemes apply, and what a lender would actually offer you.
We build your plan
Right lender, right structure, right paperwork. We manage the process from here.
Keys, and congratulations
We're local, so when settlement day comes, we'll be celebrating right alongside you, even if we're not the ones knocking on your door.
You're closer than you think.
Take the 60 second quiz and find out exactly where you stand.
Get Started
Duncombe
The Finance Circle
We're a husband and wife team based in Wilton, working with families across the Wollondilly and Macarthur region. First home buyers are a big part of what we do, week in and week out, and we genuinely like this part of the job.
You're probably wondering
I've only got a small deposit, is it even worth talking to you?+
Yes. Several of the schemes we work with exist specifically to help people buy with a smaller deposit, and a family guarantee can remove the deposit hurdle altogether in the right situation. Take the quick check and we'll tell you straight what applies to you.
Will this affect my credit file?+
No. The quick check is just information you share with us. A formal credit check only happens later, once you've decided to move forward with a specific lender.
I'm self employed or casual, does that rule me out?+
Not at all. We work with self employed and casual income regularly, and we know which lenders assess these files properly rather than putting them in the too hard basket.
How soon will I hear back?+
We'll be in touch within one business day of you completing the check, usually sooner. If you'd rather lock in a time yourself, you'll get a booking link on the confirmation screen.
Does this cost anything?+
No. There's no cost to speak with us and no obligation to proceed. We're paid by the lender once a loan settles, which we'll always explain clearly before you commit to anything.
You don't have to figure this out alone
60 seconds. Seven quick questions. No credit check.
You're all set.
Lock in your call time now, while you're here.
Book your call nowCan't pick a time? No stress. We'll call you within one business day either way.