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1<script type="application/ld+json">{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"How much deposit does a first home buyer need?","acceptedAnswer":{"@type":"Answer","text":"It depends on the lender, property and any government pathway. A 20% deposit may avoid LMI, while eligible buyers may have lower-deposit options. Also allow for purchase costs and a buffer."}},{"@type":"Question","name":"What counts as genuine savings?","acceptedAnswer":{"@type":"Answer","text":"Definitions vary, but lenders may look for funds accumulated or held over a stated period. Rent history, gifts and other sources can be treated differently, so confirm the chosen lender's policy."}},{"@type":"Question","name":"Does pre-approval guarantee my home loan?","acceptedAnswer":{"@type":"Answer","text":"No. Pre-approval is usually conditional and time-limited. The lender still needs to accept the property, valuation and updated financial position before unconditional approval."}},{"@type":"Question","name":"Can I use a grant as my whole deposit?","acceptedA
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1<main id="main-content" class="jsx-ea0dc4e9ea9814e6 main"><div><main><div class="jsx-1dbe96c195d08bb8 container vertical-padding hero"><div class="jsx-1dbe96c195d08bb8 session flex"><div class="jsx-1dbe96c195d08bb8 content"><section class="jsx-1dbe96c195d08bb8"><h1 class="jsx-1dbe96c195d08bb8 title">First Home Buyer Loans</h1><p class="jsx-1dbe96c195d08bb8 description">Plan your first home loan with clear guidance on deposits, genuine savings, LMI, available government support, transfer duty and pre-approval.</p></section><div class="links row"><a href="/home-loans/first-home-buyer-loans/#contactUs"><div class="action-button">Check my first home options</div></a></div></div><div class="image "><img alt="First Home Buyer Loans" fetchpriority="high" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;object-fit:cover;color:transparent;border-radius:1.5em" sizes="(max-width: 768px) 100vw, 50vw" srcSet="/_next/image/?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1560518883-ce09059eeffa%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1600%26q%3D80&amp;w=384&amp;q=75 384w, /_next/image/?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1560518883-ce09059eeffa%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1600%26q%3D80&amp;w=640&amp;q=75 640w, /_next/image/?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1560518883-ce09059eeffa%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1600%26q%3D80&amp;w=750&amp;q=75 750w, /_next/image/?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1560518883-ce09059eeffa%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1600%26q%3D80&amp;w=828&amp;q=75 828w, /_next/image/?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1560518883-ce09059eeffa%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1600%26q%3D80&amp;w=1080&amp;q=75 1080w, /_next/image/?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1560518883-ce09059eeffa%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1600%26q%3D80&amp;w=1200&amp;q=75 1200w, /_next/image/?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1560518883-ce09059eeffa%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1600%26q%3D80&amp;w=1920&amp;q=75 1920w" src="/_next/image/?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1560518883-ce09059eeffa%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1600%26q%3D80&amp;w=1920&amp;q=75"/></div></div></div><aside aria-label="Content review details" class="jsx-1176e7722e0db6c8 review"><div class="jsx-1176e7722e0db6c8 session review-inner"><div class="jsx-1176e7722e0db6c8"><span class="jsx-1176e7722e0db6c8 label">Content updated: </span><time dateTime="2026-09-17" class="jsx-1176e7722e0db6c8">17 September 2026</time></div><div class="jsx-1176e7722e0db6c8 sources"><span class="jsx-1176e7722e0db6c8 label">Sources: </span><span class="jsx-1176e7722e0db6c8"><a href="https://firsthomebuyers.gov.au/australian-government-5-percent-deposit-scheme" target="_blank" rel="noreferrer" class="jsx-1176e7722e0db6c8">Australian Government 5% Deposit Scheme</a></span><span class="jsx-1176e7722e0db6c8"> · <a href="https://www.firsthome.gov.au/" target="_blank" rel="noreferrer" class="jsx-1176e7722e0db6c8">State and territory First Home Owner Grants</a></span></div><div class="jsx-1176e7722e0db6c8 disclaimer">General information only, not personal financial, legal or tax advice. Eligibility and lending terms remain subject to individual lender assessment.</div></div></aside><section class="jsx-c3e83c18b177ec2a vertical-padding loan-page-section"><div class="jsx-c3e83c18b177ec2a session stacked"><div class="jsx-c3e83c18b177ec2a stacked-heading"><h2 class="jsx-c3e83c18b177ec2a session-heading">How can a first home buyer get a loan?</h2></div><div class="jsx-c3e83c18b177ec2a stacked-copy loan-page-copy"><p class="description">Start by confirming a realistic purchase budget, total funds needed and eligibility for current government support. A lender will still assess income, expenses, debts, credit history, deposit evidence and the property. Pre-approval can clarify an indicative limit, but it is not unconditional approval and the selected home must also be accepted.</p></div></div></section><section class="jsx-c3e83c18b177ec2a vertical-padding loan-page-section"><div class="jsx-c3e83c18b177ec2a session flex split"><div class="jsx-c3e83c18b177ec2a flex-40"><h2 class="jsx-c3e83c18b177ec2a session-heading">Deposit, genuine savings and LMI</h2></div><div class="jsx-c3e83c18b177ec2a flex-60 loan-page-copy"><p class="description">A 20% deposit is a useful benchmark because it may avoid lenders mortgage insurance (LMI), but it is not a universal minimum. Some lenders and eligible government pathways allow a smaller deposit. The lender may ask how long part of the deposit has been held—often called genuine savings—and will also check that you have enough for purchase costs and a buffer. LMI protects the lender, not the borrower, and can increase the upfront or financed cost of the loan.</p></div></div></section><div class="jsx-ac04a0deb3592285 loan-page-divider"><div class="jsx-ac04a0deb3592285 session"><div class="jsx-ac04a0deb3592285 image-container divider-image"><img alt="First home buyers planning a deposit and purchase budget" loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;object-fit:cover;color:transparent" sizes="(max-width: 768px) 100vw, 1200px" srcSet="/_next/image/?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1579621970563-ebec7560ff3e%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1600%26q%3D80&amp;w=640&amp;q=75 640w, /_next/image/?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1579621970563-ebec7560ff3e%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1600%26q%3D80&amp;w=750&amp;q=75 750w, /_next/image/?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1579621970563-ebec7560ff3e%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1600%26q%3D80&amp;w=828&amp;q=75 828w, /_next/image/?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1579621970563-ebec7560ff3e%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1600%26q%3D80&amp;w=1080&amp;q=75 1080w, /_next/image/?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1579621970563-ebec7560ff3e%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1600%26q%3D80&amp;w=1200&amp;q=75 1200w, /_next/image/?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1579621970563-ebec7560ff3e%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1600%26q%3D80&amp;w=1920&amp;q=75 1920w" src="/_next/image/?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1579621970563-ebec7560ff3e%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1600%26q%3D80&amp;w=1920&amp;q=75"/></div></div></div><section class="jsx-c3e83c18b177ec2a vertical-padding loan-page-section muted"><div class="jsx-c3e83c18b177ec2a session flex split"><div class="jsx-c3e83c18b177ec2a flex-40"><h2 class="jsx-c3e83c18b177ec2a session-heading">Government support to check before you sign</h2></div><div class="jsx-c3e83c18b177ec2a flex-60 loan-page-copy"><p class="description">Programs have separate eligibility, property and occupancy rules, and those rules can change. Confirm the current position with the administering agency and participating lender before relying on a benefit in your contract budget.</p><div><h3>Australian Government 5% Deposit Scheme</h3><p class="description">Eligible first home buyers may buy with a minimum 5% deposit through a participating lender without paying LMI. Property price caps and lender approval still apply. This program was formerly known as the Home Guarantee Scheme.</p></div><div><h3>State and territory first home owner grants</h3><p class="description">Grant amounts and eligibility rules depend on where the property is located. Check the relevant state or territory authority for current property, contract, previous-ownership and occupancy requirements.</p></div><div><h3>State and territory transfer duty concessions</h3><p class="description">Eligible first-home buyers may receive a partial or full transfer-duty concession depending on the jurisdiction, property type, value and contract rules in force. Grants and duty concessions are separate benefits.</p></div><p class="description official-links"><a href="https://firsthomebuyers.gov.au/australian-government-5-percent-deposit-scheme" target="_blank" rel="noreferrer">Australian Government scheme information</a> · <a href="https://www.firsthome.gov.au/" target="_blank" rel="noreferrer">State and territory First Home Owner Grants</a></p></div></div></section><div class="jsx-ac04a0deb3592285 loan-page-divider"><div class="jsx-ac04a0deb3592285 session"><div class="jsx-ac04a0deb3592285 image-container divider-image"><img alt="Reviewing first home loan documents and pre-approval details" loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;object-fit:cover;color:transparent" sizes="(max-width: 768px) 100vw, 1200px" srcSet="/_next/image/?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1554224155-8d04cb21cd6c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1600%26q%3D80&amp;w=640&amp;q=75 640w, /_next/image/?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1554224155-8d04cb21cd6c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1600%26q%3D80&amp;w=750&amp;q=75 750w, /_next/image/?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1554224155-8d04cb21cd6c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1600%26q%3D80&amp;w=828&amp;q=75 828w, /_next/image/?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1554224155-8d04cb21cd6c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1600%26q%3D80&amp;w=1080&amp;q=75 1080w, /_next/image/?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1554224155-8d04cb21cd6c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1600%26q%3D80&amp;w=1200&amp;q=75 1200w, /_next/image/?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1554224155-8d04cb21cd6c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1600%26q%3D80&amp;w=1920&amp;q=75 1920w" src="/_next/image/?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1554224155-8d04cb21cd6c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1600%26q%3D80&amp;w=1920&amp;q=75"/></div></div></div><section class="jsx-c3e83c18b177ec2a vertical-padding loan-page-section"><div class="jsx-c3e83c18b177ec2a session flex split"><div class="jsx-c3e83c18b177ec2a flex-40"><h2 class="jsx-c3e83c18b177ec2a session-heading">
1How borrowing capacity is assessed</h2></div><div class="jsx-c3e83c18b177ec2a flex-60 loan-page-copy"><p class="description">Lenders consider verified income, living expenses, dependants, HECS or HELP debt, personal and car loans, credit card limits and proposed repayments at a buffered rate. Overtime, bonuses, casual work, probation and self-employed income can be treated differently between lenders. Reducing a card balance may not change servicing if the unused limit remains open, so review limits as well as balances.</p></div></div></section><section class="jsx-c3e83c18b177ec2a vertical-padding loan-page-section muted"><div class="jsx-c3e83c18b177ec2a session flex split"><div class="jsx-c3e83c18b177ec2a flex-40"><h2 class="jsx-c3e83c18b177ec2a session-heading">First home loan and pre-approval process</h2></div><div class="jsx-c3e83c18b177ec2a flex-60 loan-page-copy"><ol><li>Set a purchase budget that includes deposit, transfer duty, conveyancing, inspections, lender costs and a cash buffer.</li><li>Prepare identification, income evidence, bank statements, savings history and details of every debt and credit limit.</li><li>Compare lender policy, total cost, loan features and relevant government pathways—not only the headline rate.</li><li>Apply for pre-approval where it suits the buying plan, then keep finances and employment stable while searching.</li><li>Before making an offer, understand the finance clause and ask a conveyancer to review the contract.</li><li>Submit the signed contract, valuation and updated documents for formal assessment; do not treat pre-approval as final approval.</li></ol></div></div></section><div class="jsx-ac04a0deb3592285 loan-page-divider"><div class="jsx-ac04a0deb3592285 session"><div class="jsx-ac04a0deb3592285 image-container divider-image"><img alt="Modern home considered by a first home buyer" loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;object-fit:cover;color:transparent" sizes="(max-width: 768px) 100vw, 1200px" srcSet="/_next/image/?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600585154340-be6161a56a0c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1600%26q%3D80&amp;w=640&amp;q=75 640w, /_next/image/?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600585154340-be6161a56a0c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1600%26q%3D80&amp;w=750&amp;q=75 750w, /_next/image/?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600585154340-be6161a56a0c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1600%26q%3D80&amp;w=828&amp;q=75 828w, /_next/image/?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600585154340-be6161a56a0c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1600%26q%3D80&amp;w=1080&amp;q=75 1080w, /_next/image/?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600585154340-be6161a56a0c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1600%26q%3D80&amp;w=1200&amp;q=75 1200w, /_next/image/?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600585154340-be6161a56a0c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1600%26q%3D80&amp;w=1920&amp;q=75 1920w" src="/_next/image/?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600585154340-be6161a56a0c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1600%26q%3D80&amp;w=1920&amp;q=75"/></div></div></div><section class="jsx-c3e83c18b177ec2a vertical-padding loan-page-section"><div class="jsx-c3e83c18b177ec2a session flex split"><div class="jsx-c3e83c18b177ec2a flex-40"><h2 class="jsx-c3e83c18b177ec2a session-heading">Apartments and house-and-land packages</h2></div><div class="jsx-c3e83c18b177ec2a flex-60 loan-page-copy"><p class="description">For an apartment, lenders may consider internal floor area, title, postcode concentration, building condition and valuation. For house-and-land or separate land and build contracts, approval may involve construction timeframes, fixed-price building terms, progress payments and funds for variations or cost overruns. The relevant government program may also apply different price-cap or completion rules, so confirm the property structure before signing.</p></div></div></section><section class="jsx-c3e83c18b177ec2a vertical-padding loan-page-section muted"><div class="jsx-c3e83c18b177ec2a session flex split"><div class="jsx-c3e83c18b177ec2a flex-40"><h2 class="jsx-c3e83c18b177ec2a session-heading">Illustrative first-home buyer scenario</h2></div><div class="jsx-c3e83c18b177ec2a flex-60 loan-page-copy"><p class="description">A buyer with a stable salary and saved deposit wants an apartment but also needs funds for conveyancing, inspections and settlement adju
1stments. The assessment compares a standard loan with LMI against an eligible low-deposit pathway, checks the apartment against lender policy and leaves part of the savings as a buffer. The example shows why the maximum loan is not always the safest purchase budget. It is illustrative only; actual approval and costs depend on the buyer, property and lender.</p></div></div></section><section class="jsx-c3e83c18b177ec2a vertical-padding loan-page-section accent"><div class="jsx-c3e83c18b177ec2a session flex split"><div class="jsx-c3e83c18b177ec2a flex-40"><h2 class="jsx-c3e83c18b177ec2a session-heading">Useful next steps</h2></div><div class="jsx-c3e83c18b177ec2a flex-60 loan-page-copy"><ul><li><a href="/calculators/saving-calculator/">Plan a deposit with the savings calculator</a></li><li><a href="/calculators/stamp-duty-calculator/">Estimate stamp duty and property fees</a></li><li><a href="/calculators/mortgage-repayment-calculator/">Compare mortgage repayments</a></li><li><a href="/home-loans/buy-a-new-home/">Explore broader home purchase loans</a></li><li><a href="/locations/">Find first home buyer support in your area</a></li></ul></div></div></section><div class="jsx-fe4ebd344d78fa70 jsx-6f6e740cdabc8603 container vertical-padding"><div class="jsx-fe4ebd344d78fa70 jsx-6f6e740cdabc8603 session column"><div class="jsx-fe4ebd344d78fa70 jsx-6f6e740cdabc8603 flex full-width split"><div class="jsx-fe4ebd344d78fa70 jsx-6f6e740cdabc8603 session-heading flex-40">First home buyer loan FAQs</div><div class="jsx-fe4ebd344d78fa70 jsx-6f6e740cdabc8603 questions flex-60"><div class="jsx-fe4ebd344d78fa70 jsx-6f6e740cdabc8603 question-container"><button aria-expanded="false" type="button" class="jsx-fe4ebd344d78fa70 jsx-6f6e740cdabc8603 question row pointer title">How much deposit does a first home buyer need?<div class="jsx-fe4ebd344d78fa70 jsx-6f6e740cdabc8603  icon-container"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 20 20" aria-hidden="true" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" d="M10 5a1 1 0 011 1v3h3a1 1 0 110 2h-3v3a1 1 0 11-2 0v-3H6a1 1 0 110-2h3V6a1 1 0 011-1z" clip-rule="evenodd"></path></svg></div></button><div class="jsx-fe4ebd344d78fa70 jsx-6f6e740cdabc8603 answer description faq-md-answer answer-closed"><p>It depends on the lender, property and any government pathway. A 20% deposit may avoid LMI, while eligible buyers may have lower-deposit options. Also allow for purchase costs and a buffer.</p></div></div><div class="jsx-fe4ebd344d78fa70 jsx-6f6e740cdabc8603 question-container"><button aria-expanded="false" type="button" class="jsx-fe4ebd344d78fa70 jsx-6f6e740cdabc8603 question row pointer title">What counts as genuine savings?<div class="jsx-fe4ebd344d78fa70 jsx-6f6e740cdabc8603  icon-container"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 20 20" aria-hidden="true" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" d="M10 5a1 1 0 011 1v3h3a1 1 0 110 2h-3v3a1 1 0 11-2 0v-3H6a1 1 0 110-2h3V6a1 1 0 011-1z" clip-rule="evenodd"></path></svg></div></button><div class="jsx-fe4ebd344d78fa70 jsx-6f6e740cdabc8603 answer description faq-md-answer answer-closed"><p>Definitions vary, but lenders may look for funds accumulated or held over a stated period. Rent history, gifts and other sources can be treated differently, so confirm the chosen lender&#x27;s policy.</p></div></div><div class="jsx-fe4ebd344d78fa70 jsx-6f6e740cdabc8603 question-container"><button aria-expanded="false" type="button" class="jsx-fe4ebd344d78fa70 jsx-6f6e740cdabc8603 question row pointer title">Does pre-approval guarantee my home loan?<div class="jsx-fe4ebd344d78fa70 jsx-6f6e740cdabc8603  icon-container"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 20 20" aria-hidden="true" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" d="M10 5a1 1 0 011 1v3h3a1 1 0 110 2h-3v3a1 1 0 11-2 0v-3H6a1 1 0 110-2h3V6a1 1 0 011-1z" clip-rule="evenodd"></path></svg></div></button><div class="jsx-fe4ebd344d78fa70 jsx-6f6e740cdabc8603 answer description faq-md-answer answer-closed"><p>No. Pre-approval is usually conditional and time-limited. The lender still needs to accept the property, valuation and updated financial position before unconditional approval.</p></div></div><div class="jsx-fe4ebd344d78fa70 jsx-6f6e740cdabc8603 question-container"><button aria-expanded="false" type="button" class="jsx-fe4ebd344d78fa70 jsx-6f6e740cdabc8603 question row pointer title">Can I use a grant as my whole deposit?<div class="jsx-fe4ebd344d78fa70 jsx-6f6e740cdabc8603  icon-container"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 20 20" aria-hidden="true" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" d="M10 5a1 1 0 011 1v3h3a1 1 0 110 2h-3v3a1 1 0 11-2 0v-3H6a1 1 0 110-2h3V6a1 1 0 011-1z" clip-rule="evenodd"></path></svg></div></button><div class="jsx-fe4ebd344d78fa70 jsx-6f6e740cdabc8603 answer description faq-md-answer answer-closed"><p>A grant may contribute to funds required, but lenders still assess deposit policy, genuine savings where required, funds to complete, serviceability and the timing of when the grant is paid.</p></div></div><div class="jsx-fe4ebd344d78fa70 jsx-6f6e740cdabc8603 question-container"><button aria-expanded="false" type="button" class="jsx-fe4ebd344d78fa70 jsx-6f6e740cdabc8603 question row pointer title">
1Should I buy an apartment or house-and-land package?<div class="jsx-fe4ebd344d78fa70 jsx-6f6e740cdabc8603  icon-container"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 20 20" aria-hidden="true" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" d="M10 5a1 1 0 011 1v3h3a1 1 0 110 2h-3v3a1 1 0 11-2 0v-3H6a1 1 0 110-2h3V6a1 1 0 011-1z" clip-rule="evenodd"></path></svg></div></button><div class="jsx-fe4ebd344d78fa70 jsx-6f6e740cdabc8603 answer description faq-md-answer answer-closed"><p>The choice should reflect budget, location, ongoing costs and lifestyle. Lending checks also differ: apartments may face building or size restrictions, while construction purchases involve contracts, valuations and progress payments.</p></div></div></div></div></div></div><div class="jsx-17be5b1b5e28b9e5 container vertical-padding"><div class="jsx-17be5b1b5e28b9e5 session column"><div class="jsx-17be5b1b5e28b9e5 heading"><div class="session-title">Testimonial</div><div class="session-heading">What Our Customers Say About Us</div><div class="arrows row"><div class="arrow pointer"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 16 16" height="36" width="36" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" d="M1 8a7 7 0 1 0 14 0A7 7 0 0 0 1 8zm15 0A8 8 0 1 1 0 8a8 8 0 0 1 16 0zm-4.5-.5a.5.5 0 0 1 0 1H5.707l2.147 2.146a.5.5 0 0 1-.708.708l-3-3a.5.5 0 0 1 0-.708l3-3a.5.5 0 1 1 .708.708L5.707 7.5H11.5z"></path></svg></div><div class="arrow pointer"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 16 16" height="36" width="36" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" d="M1 8a7 7 0 1 0 14 0A7 7 0 0 0 1 8zm15 0A8 8 0 1 1 0 8a8 8 0 0 1 16 0zM4.5 7.5a.5.5 0 0 0 0 1h5.793l-2.147 2.146a.5.5 0 0 0 .708.708l3-3a.5.5 0 0 0 0-.708l-3-3a.5.5 0 1 0-.708.708L10.293 7.5H4.5z"></path></svg></div></div></div><div class="jsx-17be5b1b5e28b9e5 slider"><div class="jsx-17be5b1b5e28b9e5 testimonials"><div role="button" tabindex="0" class="jsx-17be5b1b5e28b9e5 testimonial pointer"><div aria-hidden="true" class="jsx-17be5b1b5e28b9e5 quote">“</div><div class="jsx-17be5b1b5e28b9e5 text">I have been with Ivy for 10 years. Ivy always exceeds my expectations and makes me feel that my needs are a priority. Her professionalism and knowledge are of an extremely high standard, and the communication and efficiency throughout the whole process were above and beyond. I am more than happy with the service from Ivy and Smart Mortgage and would not hesitate to recommend their services to others.</div><div class="jsx-17be5b1b5e28b9e5 read-more">Read more</div><div class="jsx-17be5b1b5e28b9e5 meta"><div class="jsx-17be5b1b5e28b9e5 name">Yin Zhu</div><div class="jsx-17be5b1b5e28b9e5 occupation">Onsite Manager of Rosewood Heights</div></div></div><div role="button" tabindex="0" class="jsx-17be5b1b5e28b9e5 testimonial pointer"><div aria-hidden="true" class="jsx-17be5b1b5e28b9e5 quote">“</div><div class="jsx-17be5b1b5e28b9e5 text">My family uses Smart Mortgage to assist with the purchase of our home and investment properties, as well as commercial lending. Ben Ou, the Managing Director, and his team are very experienced and have always made our loan processes easy. I would highly recommend Smart Mortgage to my friends and clients who require finance for their properties. I am confident that the Smart Mortgage team will look after its customers&#x27; best interests.</div><div class="jsx-17be5b1b5e28b9e5 read-more">Read more</div><div class="jsx-17be5b1b5e28b9e5 meta"><div class="jsx-17be5b1b5e28b9e5 name">Simon Au</div><div class="jsx-17be5b1b5e28b9e5 occupation">RE/MAX Number 1 Sales Team</div></div></div><div role="button" tabindex="0" class="jsx-17be5b1b5e28b9e5 testimonial pointer"><div aria-hidden="true" class="jsx-17be5b1b5e28b9e5 quote">“</div><div class="jsx-17be5b1b5e28b9e5 text">Having worked with Angela for over 10 years, she has always been very professional and always puts my needs and interests first. Her work ethic is excellent and I trust in her abilities to always provide me with honest advice to help me reach my financial goals. My husband and I have several home and commercial properties with Smart Mortgage and I would highly recommend them to anyone who is looking for a company who truly puts your interests f
1irst.</div><div class="jsx-17be5b1b5e28b9e5 read-more">Read more</div><div class="jsx-17be5b1b5e28b9e5 meta"><div class="jsx-17be5b1b5e28b9e5 name">Anh Pham</div><div class="jsx-17be5b1b5e28b9e5 occupation">Manager at Queensland Soy Factory</div></div></div><div role="button" tabindex="0" class="jsx-17be5b1b5e28b9e5 testimonial pointer"><div aria-hidden="true" class="jsx-17be5b1b5e28b9e5 quote">“</div><div class="jsx-17be5b1b5e28b9e5 text">I have dealt with Smart Mortgage for many years. There have been a few properties I have bought and sold over this period. Angela Duong is the person I have dealt with for my home loans. I have known Angela for over 10 years and have always found her and the staff at Smart Mortgage to provide outstanding service. Buying and selling houses can be among the most stressful experiences a person goes through in life. Knowing that Smart Mortgage is very professional and committed to the complete process from start to finish is a great relief.</div><div class="jsx-17be5b1b5e28b9e5 read-more">Read more</div><div class="jsx-17be5b1b5e28b9e5 meta"><div class="jsx-17be5b1b5e28b9e5 name">Anne Poulton</div><div class="jsx-17be5b1b5e28b9e5 occupation">Property Buyer</div></div></div></div></div></div></div><div id="contactUs" class="jsx-e059e9bd7e72599d container vertical-padding"><div class="jsx-e059e9bd7e72599d session flex"><div class="jsx-e059e9bd7e72599d heading"><div class="jsx-e059e9bd7e72599d session-title">contact us</div><div class="jsx-e059e9bd7e72599d session-heading">
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212 10.12 0 0 0 2.3 4.5 10.08 10.08 0 0 0 4.5 2.3 1 1 0 0 0 .91-.27L16 15.41 18.59 18l-2 2a13.28 13.28 0 0 1-8.87-3.71A13.28 13.28 0 0 1 4 7.41zM20 11h2a8.81 8.81 0 0 0-9-9v2a6.77 6.77 0 0 1 7 7z"></path><path d="M13 8c2.1 0 3 .9 3 3h2c0-3.22-1.78-5-5-5z"></path></svg></div><a href="tel:0731957299" class="jsx-bcfec5cc18ffba91 contact-link">07 3195 7299</a></div><div class="jsx-bcfec5cc18ffba91 row contact-row"><div class="jsx-bcfec5cc18ffba91 icon"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 1024 1024" height="18" width="18" xmlns="http://www.w3.org/2000/svg"><path d="M928 160H96c-17.7 0-32 14.3-32 32v640c0 17.7 14.3 32 32 32h832c17.7 0 32-14.3 32-32V192c0-17.7-14.3-32-32-32zm-40 110.8V792H136V270.8l-27.6-21.5 39.3-50.5 42.8 33.3h643.1l42.8-33.3 39.3 50.5-27.7 21.5zM833.6 232L512 482 190.4 232l-42.8-33.3-39.3 50.5 27.6 21.5 341.6 265.6a55.99 55.99 0 0 0 68.7 0L888 270.8l27.6-21.5-39.3-50.5-42.7 33.2z"></path></svg></div><a href="mailto:[email protected]" class="jsx-bcfec5cc18ffba91 contact-link">[email protected]</a></div><div class="jsx-bcfec5cc18ffba91 row contact-row"><div class="jsx-bcfec5cc18ffba91 icon"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 24 24" height="18" width="18" xmlns="http://www.w3.org/2000/svg"><path d="M12 13.5a2.5 2.5 0 1 0 0-5 2.5 2.5 0 0 0 0 5Z"></path><path d="M19.071 3.429h.001c3.905 3.905 3.905 10.237 0 14.142l-5.403 5.403a2.36 2.36 0 0 1-3.336 0l-5.375-5.375-.028-.028c-3.905-3.905-3.905-10.237 0-14.142 3.904-3.905 10.236-3.905 14.141 0ZM5.99 4.489v.001a8.5 8.5 0 0 0 0 12.02l.023.024.002.002 5.378 5.378a.859.859 0 0 0 1.214 0l5.403-5.404a8.5 8.5 0 0 0-.043-11.977A8.5 8.5 0 0 0 5.99 4.489Z"></path></svg></div><div class="jsx-bcfec5cc18ffba91">Head Office:
322 Brereton Street
4South Brisbane QLD 4101</div></div><div class="jsx-bcfec5cc18ffba91 row contact-row"><div class="jsx-bcfec5cc18ffba91 icon"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 24 24" height="18" width="18" xmlns="http://www.w3.org/2000/svg"><path fill="none" d="M0 0h24v24H0V0z"></path><path d="M11.99 2C6.47 2 2 6.48 2 12s4.47 10 9.99 10C17.52 22 22 17.52 22 12S17.52 2 11.99 2zM12 20c-4.42 0-8-3.58-8-8s3.58-8 8-8 8 3.58 8 8-3.58 8-8 8zm.5-13H11v6l5.25 3.15.75-1.23-4.5-2.67z"></path></svg></div><div class="jsx-bcfec5cc18ffba91">Hours
5Mon–Fri 9:00 AM - 5:00 PM</div></div></div></div></div></div><div class="jsx-bcfec5cc18ffba91 copyright"><div class="jsx-bcfec5cc18ffba91 session"><div class="jsx-bcfec5cc18ffba91 flex"><div class="jsx-bcfec5cc18ffba91">© <!-- -->2026<!-- --> Smart Mortgage Corp | ACL 488022</div><div class="jsx-bcfec5cc18ffba91 legals flex"><a hrefLang="en" href="/privacyPolicy/"><div class="jsx-bcfec5cc18ffba91 pointer">Privacy Policy</div></a><a hrefLang="en" href="/termsAndConditions/"><div class="jsx-bcfec5cc18ffba91 pointer">Terms and Conditions</div></a><a hrefLang="en" href="/complaintProcess/"><div class="jsx-bcfec5cc18ffba91 pointer">Complaint Process</div></a></div></div><p class="jsx-bcfec5cc18ffba91 disclaimer">The information provided on this website is for general education purposes only and is not intended to constitute specialist or personal advice. This website has been prepared without taking into account your objectives, financial situation or needs. Because of this, you should consider the appropriateness of the advice to your own situation and needs before taking any action.</p></div></div></footer></div></div></div>
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