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
Andrea B.
08:53 30 Aug 26
I honestly can’t recommend Rory & Harper from Own Money enough! They made the whole mortgage process so easy and stress free from start to finish.
They were always keeping me updated with what was happening and made sure I understood everything along the way. It was so nice knowing I was in good hands and could trust them to get everything sorted.
The whole process was so smooth and simple, and I really couldn’t have asked for a better experience. I’d 100% go with Rory & Harper again - it would be a no-brainer!
Thanks so much guys! 🙌
They were always keeping me updated with what was happening and made sure I understood everything along the way. It was so nice knowing I was in good hands and could trust them to get everything sorted.
The whole process was so smooth and simple, and I really couldn’t have asked for a better experience. I’d 100% go with Rory & Harper again - it would be a no-brainer!
Thanks so much guys! 🙌
PAUL SIZE
06:11 26 Aug 26
Rory and Harper were phenomenal.
What stood out most was how hard they went to bat for my sons. This was never treated like just another loan application. They genuinely cared about getting the boys into their first home, and whenever hurdles popped up, they kept pushing.
There was real grit and determination behind the scenes to get this loan across the line. Rory and Harper kept working through the issues, chasing what needed to be chased, and finding a way forward when it would have been easy to say it was all getting too hard.
For two young tradies trying to buy their first place, that level of advocacy made a massive difference. They needed people in their corner who knew the system, were ready to fight for the outcome, and wouldn't give up at the first roadblock. That is exactly what Rory and Harper delivered.
As a parent watching it unfold, I was so impressed by their persistence and communication. You could tell they genuinely wanted this outcome for the boys.
Settlement day made all the effort worthwhile. The boys now own their first home, and Rory and Harper played a huge part in making that happen.
A massive thank you to you both. If you want mortgage brokers who do far more than just lodge paperwork—people who will actually back you and problem-solve—I couldn't recommend Rory and Harper highly enough.
Legends. Absolute legends.
What stood out most was how hard they went to bat for my sons. This was never treated like just another loan application. They genuinely cared about getting the boys into their first home, and whenever hurdles popped up, they kept pushing.
There was real grit and determination behind the scenes to get this loan across the line. Rory and Harper kept working through the issues, chasing what needed to be chased, and finding a way forward when it would have been easy to say it was all getting too hard.
For two young tradies trying to buy their first place, that level of advocacy made a massive difference. They needed people in their corner who knew the system, were ready to fight for the outcome, and wouldn't give up at the first roadblock. That is exactly what Rory and Harper delivered.
As a parent watching it unfold, I was so impressed by their persistence and communication. You could tell they genuinely wanted this outcome for the boys.
Settlement day made all the effort worthwhile. The boys now own their first home, and Rory and Harper played a huge part in making that happen.
A massive thank you to you both. If you want mortgage brokers who do far more than just lodge paperwork—people who will actually back you and problem-solve—I couldn't recommend Rory and Harper highly enough.
Legends. Absolute legends.
Tim Ash
03:32 25 Aug 26
Having worked with the Own Money property team in the past I could not recommend them enough. If you need help with an investment property or just advice around property, these guys are fantastic.
Eva Sidhu
03:18 25 Aug 26
Working with the Own Money property team has been a great experience. They really and always put our family first, looking forward to working with them again in the future.
Jason Marsh
08:57 20 Aug 26
Very helpful team that look after everything end to end. Always contactable and available to help. Would recommend if looking for a great deal.
Lauren
01:21 30 Jul 26
Rory and Harper were excellent to deal with. They were responsive, patient and helpful throughout the process. Their communication is excellent. We have already recommended them to friends. Thanks guys!
Koshiro (Moisty Boy)
21:33 17 Jul 26
Absolute legends!! Rory and Harper sorted me out with a refinance in less than 2 weeks and are saving me heaps. Highly recommend!!
Laura Sweetman
21:48 15 Jun 26
Rory Sercombe and the team at Own Money were absolutely fantastic in helping my partner and I secure our first home loan.
As first home buyers, the process felt daunting at times, but Rory was friendly, reassuring, knowledgeable and, above all else, accessible. We always felt supported, informed and confident that we had the right people guiding us through each step.
What really stood out was that Rory’s support went beyond simply securing our home loan. He took the time to explain different banking setup options, provide guidance around the broader buying process, and even coach us on attending auctions. That level of care and experience made such a difference for us.
We truly could not have asked for a better support system while buying our first home. I would highly recommend Rory and his team to anyone who wants to feel like they have a wealth of experience, knowledge and genuine support backing them.
As first home buyers, the process felt daunting at times, but Rory was friendly, reassuring, knowledgeable and, above all else, accessible. We always felt supported, informed and confident that we had the right people guiding us through each step.
What really stood out was that Rory’s support went beyond simply securing our home loan. He took the time to explain different banking setup options, provide guidance around the broader buying process, and even coach us on attending auctions. That level of care and experience made such a difference for us.
We truly could not have asked for a better support system while buying our first home. I would highly recommend Rory and his team to anyone who wants to feel like they have a wealth of experience, knowledge and genuine support backing them.
Bianca Lazov
14:30 13 May 26
A bit of an overdue thank you to the Own Money crew. I was recommended to Rory by a friend and can’t say how grateful I am.
Throughout the long journey to securing a home, Rory was responsive, reliable, and incredibly helpful every step of the way. I asked plenty of questions and everything was explained clearly and with patience.
His communication was excellent — he always kept in touch, checked in regularly, and his genuine approach never went unnoticed.
Even after settlement, the team has continued to check in to see whether there’s anything further they can help with. An amazing level of care and support from Rory, Harper, and the wider team! I will absolutely be using them for future purchases and refinancing.
Throughout the long journey to securing a home, Rory was responsive, reliable, and incredibly helpful every step of the way. I asked plenty of questions and everything was explained clearly and with patience.
His communication was excellent — he always kept in touch, checked in regularly, and his genuine approach never went unnoticed.
Even after settlement, the team has continued to check in to see whether there’s anything further they can help with. An amazing level of care and support from Rory, Harper, and the wider team! I will absolutely be using them for future purchases and refinancing.
Sarah Johnson
05:32 28 Apr 26
Rory, Harper and the whole team are fantastic. We used Own Money to get a mortgage on our first home and Rory answered so many of our silly questions and went back and forth with us multiple times when we changed our budget. He was so helpful we used them again when we sold and bought a new home and have just used Own Money again to refinance. This time Harper looked after us and the whole process was so easy and fast, they looked after everything and broke down all the document requirements so we knew what we’d done and had yet to do. We’ll continue to use the team for future refinances and always recommend them to friends.
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!