Your first home, made simple.
Buying your first home is exciting, but it can also feel confusing, overwhelming and full of unknowns.
We help first home buyers across Australia secure the right loan and build a clear plan to pay it off sooner.
Because you want the home… not the home loan.
We guide you from “Where do I start?” to settlement (and beyond).
You’ll have an expert on your side to help you:
- understand what you can afford
- structure your loan properly from day one
- access first home buyer grants and schemes
- take the stress out of the application process
- create a strategy to repay your loan faster
Government grants + support for first home buyers
There are a range of incentives designed to make buying your first home easier – but eligibility and rules vary.
We’ll help you understand what you may qualify for, including:
- First Home Owner Grant (FHOG)
- First Home Guarantee / low deposit options
- Stamp Duty concessions (where applicable)
Deposit planning that fits real life
For most first home buyers, the biggest hurdle is saving.
We help you create a simple plan to:
- Build your deposit sooner
- Budget without feeling restricted
- Prepare for upfront costs (not just the deposit)
Confidence when you’re ready to buy
When it’s time to start house hunting, you shouldn’t be guessing.
We’ll help you stay prepared and informed with:
- Pre-approval support
- Lender requirements
- Timelines and buying process
- Guidance around contracts and conditions
We take care of the loan process end-to-end
When you’re ready, we handle the details:
- Comparing lenders
- Negotiating competitive interest rates
- Structuring your loan for long-term success
- Managing communication with all parties
We don't stop once you get the keys
We don’t just help you get the mortgage – we help you pay it off.
After settlement, we’ll continue to support you with:
- Repayment strategies
- Offset account guidance
- Yearly reviews as life changes
- Refinance options when it makes sense
Next Home Buyer Home Loans
Ready for your next home? Let’s make the move simple.
Buying your next home is exciting, but it can also feel more complex than the first time around. You might be upgrading, downsizing, relocating, or buying a new home while you still have an existing mortgage. You may also need to coordinate the timing of selling and buying, releasing equity, or managing bridging finance. We help you create a clear strategy so you can buy your next home with confidence and structure your loan in a way that supports your long-term goals, not just the immediate purchase.
Moving house isn’t just a loan, it’s a strategy
A next home purchase usually comes with big questions like:
- Should I buy first or sell first?
- Can I use equity from my current home?
- What deposit will I have after selling?
- Do I need bridging finance?
- What happens to my current loan?
- How do I avoid unnecessary stress (and costly mistakes)?
That’s where we come in, to help you map out the best path forward, based on your situation.
Your next home buying options (made clear)
There’s no one-size-fits-all approach, and that’s the point.
We’ll walk you through the best options for purchasing your next home, which may include:
- Selling first, then buying
- Buying first, then selling
- Using bridging finance
- Using equity as deposit
- Keeping your current property as an investment and purchasing the next home
We’ll compare scenarios, crunch the numbers, and help you choose a strategy that suits your lifestyle, timeline and comfort level.
Unlock equity and structure your loan properly
If you’ve owned your current home for a few years, chances are you’ve built equity, and that equity can be a powerful tool.
We’ll help you understand:
- How much equity you can access
- How to structure your lending (and avoid crossing securities unnecessarily)
- How to keep repayments manageable
- How to protect future flexibility if you want to renovate, invest, or refinance later
We coordinate the whole process (so you don’t have to)
A next home purchase usually involves more moving parts: real estate agents, conveyancers, lenders, contracts, settlement dates…
We manage the finance end-to-end, including:
- Reviewing your current loan and position
- Preparing you for pre-approval
- Comparing lenders and negotiating rates
- Managing paperwork and lender communication
- Keeping things moving toward settlement
So you’re supported, informed, and never left guessing.
We help you buy the home, and pay it off sooner
This is where we’re different.
We don’t just help you purchase your next home, we help you repay your home loan smarter.
That means making sure your loan structure supports:
- Better cashflow
- Offset strategy (done properly)
- Interest savings over time
- Long-term flexibility for your next goals
Because you want the home… not the home loan.
- FIRST HOME BUYERS
Your first home, made simple.
Buying your first home is exciting, but it can also feel confusing, overwhelming and full of unknowns.We help first home buyers across Australia secure the right loan and build a clear plan to pay it off sooner.
Because you want the home… not the home loan.
We guide you from “Where do I start?” to settlement (and beyond).
You’ll have an expert on your side to help you:- understand what you can afford
- structure your loan properly from day one
- access first home buyer grants and schemes
- take the stress out of the application process
- create a strategy to repay your loan faster
First home buyer support – without the jargon
LVR, LMI, pre-approval, fixed vs variable… it’s a lot when it’s your first time.
We explain everything in plain English, so you can make confident decisions and avoid expensive mistakes.
Government grants + support for first home buyers
There are a range of incentives designed to make buying your first home easier – but eligibility and rules vary.
We’ll help you understand what you may qualify for, including:
- First Home Owner Grant (FHOG)
- First Home Guarantee / low deposit options
- Stamp Duty concessions (where applicable)
Deposit planning that fits real life
For most first home buyers, the biggest hurdle is saving.
We help you create a simple plan to:
- Build your deposit sooner
- Budget without feeling restricted
- Prepare for upfront costs (not just the deposit)
Confidence when you’re ready to buy
When it’s time to start house hunting, you shouldn’t be guessing.
We’ll help you stay prepared and informed with:
- Pre-approval support
- Lender requirements
- Timelines and buying process
- Guidance around contracts and conditions
We take care of the loan process end-to-end
When you’re ready, we handle the details:
- Comparing lenders
- Negotiating competitive interest rates
- Structuring your loan for long-term success
- Managing communication with all parties
We don't stop once you get the keys
We don’t just help you get the mortgage – we help you pay it off.
After settlement, we’ll continue to support you with:
- Repayment strategies
- Offset account guidance
- Yearly reviews as life changes
- Refinance options when it makes sense
- NEXT HOME BUYER
Next Home Buyer Home Loans
Ready for your next home? Let’s make the move simple.
Buying your next home is exciting, but it can also feel more complex than the first time around. You might be upgrading, downsizing, relocating, or buying a new home while you still have an existing mortgage. You may also need to coordinate the timing of selling and buying, releasing equity, or managing bridging finance. We help you create a clear strategy so you can buy your next home with confidence and structure your loan in a way that supports your long-term goals, not just the immediate purchase.
Moving house isn’t just a loan, it’s a strategy
A next home purchase usually comes with big questions like:- Should I buy first or sell first?
- Can I use equity from my current home?
- What deposit will I have after selling?
- Do I need bridging finance?
- What happens to my current loan?
- How do I avoid unnecessary stress (and costly mistakes)?
That’s where we come in, to help you map out the best path forward, based on your situation.
Your next home buying options (made clear)
There’s no one-size-fits-all approach, and that’s the point.We’ll walk you through the best options for purchasing your next home, which may include:
- Selling first, then buying
- Buying first, then selling
- Using bridging finance
- Using equity as deposit
- Keeping your current property as an investment and purchasing the next home
We’ll compare scenarios, crunch the numbers, and help you choose a strategy that suits your lifestyle, timeline and comfort level.
Unlock equity and structure your loan properly
If you’ve owned your current home for a few years, chances are you’ve built equity, and that equity can be a powerful tool.We’ll help you understand:
- How much equity you can access
- How to structure your lending (and avoid crossing securities unnecessarily)
- How to keep repayments manageable
- How to protect future flexibility if you want to renovate, invest, or refinance later
We coordinate the whole process (so you don’t have to)
A next home purchase usually involves more moving parts: real estate agents, conveyancers, lenders, contracts, settlement dates…We manage the finance end-to-end, including:
- Reviewing your current loan and position
- Preparing you for pre-approval
- Comparing lenders and negotiating rates
- Managing paperwork and lender communication
- Keeping things moving toward settlement
So you’re supported, informed, and never left guessing.
We help you buy the home, and pay it off sooner
This is where we’re different.We don’t just help you purchase your next home, we help you repay your home loan smarter.
That means making sure your loan structure supports:
- Better cashflow
- Offset strategy (done properly)
- Interest savings over time
- Long-term flexibility for your next goals
Because you want the home… not the home loan.
Don't take our word for it!
See what our clients have to say about us
Larisa P
08:19 15 Apr 26
Rory and Harper were both incredibly helpful and supportive throughout our entire first home buyer journey. They took the time to answer every question and address every concern we had, making the whole process feel much less overwhelming. We really appreciated their patience, professionalism, and genuine care, highly recommend!
michael williams
01:13 09 Apr 26
We were fortunate enough to have Sandra recommended to us and her professionalism and input was vital in making the purchase of our property successful.
Sandra was clear with her instructions, generous with her time and skilfully designed the best loan arrangement for us.
I would recommend her services to anyone wanting to buy as she made the process efficient and transparent.
Sandra was clear with her instructions, generous with her time and skilfully designed the best loan arrangement for us.
I would recommend her services to anyone wanting to buy as she made the process efficient and transparent.
Anne Marie Riego
01:10 09 Apr 26
We found Sandra to be a very professional, approachable and efficient Broker. She was always readily available for any queries big or small and was very efficient in handling all our questions. We were very happy with her friendly and warm manner and are satisfied with the outcome of our loan and purchasing of our property. We cannot recommend Sandra enough and we will definitely be using her again and again and again!
Jane Robertson
22:22 14 Mar 26
We had a fantastic experience working with the team at Own Money. Rory and Harper were incredibly helpful in securing a very competitive rate for both our mortgage and investment loans.
They were flexible with their time, even working outside normal business hours to accommodate us, which made the whole process much easier. What really stood out was how quickly and smoothly everything was handled – they made what can normally be a stressful process feel simple and straightforward.
Rory and Harper were also incredibly patient, answering all of our (many!) questions and making sure we understood every step along the way.
We really appreciated their support and would highly recommend Own Money to anyone looking for a great mortgage broker.
They were flexible with their time, even working outside normal business hours to accommodate us, which made the whole process much easier. What really stood out was how quickly and smoothly everything was handled – they made what can normally be a stressful process feel simple and straightforward.
Rory and Harper were also incredibly patient, answering all of our (many!) questions and making sure we understood every step along the way.
We really appreciated their support and would highly recommend Own Money to anyone looking for a great mortgage broker.
Ben C
21:58 10 Mar 26
Rory and Maria helped me get equity out of my investment property. They made the process very easy. Own money where able to get the out come from the banks i wanted.
Anika Carbone
03:32 05 Mar 26
Rory, Harper and Maria have been absolutely brilliant to work with. My partner and I were referred by a family friend when buying our first home. 5 years on, we have an investment property and our new family home with the help of this killer team at Own Money. They’ve continued to provide us with excellent advice and assistance, always taking the time to thoroughly explain our options and breakdown pros and cons. Harper has been excellent, super responsive and always feels just a phonecall away if I have a question. They go above and beyond with their support and I can feel they truly care about their clients. I highly recommend their services and am thrilled to have them as our brokers.
Anmol Oberoi
06:29 04 Mar 26
Working with Harper and the Own Money team was an excellent experience. The entire process was handled smoothly and professionally, and I’m truly grateful for their support throughout. I wouldn’t hesitate to recommend Own Money to anyone looking for knowledgeable, reliable, and hands-on assistance. I couldn’t be happier with the outcome and will definitely be referring the team to friends and family who are looking for a great broker that makes complex situations simple and delivers outstanding results.
Shannon Percy
07:23 25 Feb 26
A great experience from start to finish! The Own Money team were knowledgeable, helpful, patient and responsive - making the entire process seemless from start to finish. Communication was clear, and I always felt informed and supported. I highly recommend Rory, Harper and the team at Own Money to anyone looking for a reliable and caring mortgage broker. Thank you
Narelle Bertalli
00:06 03 Feb 26
Harper was fantastic from start to finish. This isn’t my first time using this business, and not the first time using a broker. Harper made this entire process stress free and streamlined.
As 2 professionals with busy lifestyles this was extremely important for us, Harper delivered exceeded our expectations making this entire experience possible and enjoyable.
As 2 professionals with busy lifestyles this was extremely important for us, Harper delivered exceeded our expectations making this entire experience possible and enjoyable.
Joni Edson
22:55 17 Dec 25
I have worked with the team at Own Money twice now and highly recommend them! Nothing it too much trouble, they go out of their way to walk you through each step and answer all the questions you have. I am so grateful for all their assistance and support and can not recommend them highly enough for someone looking for a skilled team.
michelle thomas
22:29 17 Dec 25
Great help from Harper, Rory & Maria. My refinancing was not a simple task but they made it happen. I’m very grateful for the communication, support & success.
Thank you
Michelle
Thank you
Michelle
Andrew Benjamin Smith
10:19 09 Dec 25
Working with Harper, Rory and the Own Money team was a fantastic experience from start to finish. Their communication was excellent - I always knew what was happening and felt supported every step of the way. They presented a range of options, explained everything clearly, and helped me make confident decisions in what was a fairly complex situation. Everything was carried out smoothly and professionally. I’m genuinely grateful for their help and wouldn’t hesitate to recommend Own Money to anyone needing knowledgeable, reliable and hands on support. I couldn't be happier and will definitely be referring the team to friends and family looking for a great broker who makes the complex simple, the impossible happen, and the 11 out of 10 stress levels of relying on banks a manageable 7 🙂
Ashley Manini
03:58 08 Dec 25
Rory, Maria and the team have been awesome in helping me refinance. They’ve made it super easy and stress free! Simple and easy communication makes the whole process a breeze!