Have a query in mind? Feel free to drop your questions by contacting our team or check some of the most commonly asked questions below!
A mortgage broker acts as your independent loan adviser. At First State Home Loans, we compare home loans from 30+ Australian lenders, including major banks, specialist lenders, and competitive non-banks, to find the right loan for your situation.
Unlike bank staff who can only offer their own products, a mortgage broker works for you. In most cases, there are no upfront fees, as brokers are paid by the lender after settlement. This often results in better rates, more flexible features, and faster approvals, especially for first home buyers, self-employed borrowers, and complex scenarios.
First State Home Loans is based in the Southern suburbs of Sydney, NSW, Australia. We gladly meet face to face with our clients throughout the following local government areas: Georges River, Bayside, Sutherland Shire, Canterbury Bankstown, Liverpool, Fairfield, Campbelltown, Camden. Alternatively, we can meet with clients across broader Sydney or from any location via video conference at a time convenient to you.
Your borrowing capacity depends on your income, expenses, deposit size, credit history, and current lending policies.
In 2026, many first home buyers are borrowing with as little as a 5 percent deposit under the expanded First Home Guarantee. From January 2026, income caps have been removed, and eligible buyers can avoid Lenders Mortgage Insurance in many cases.
We offer a free borrowing assessment, often completed within minutes, to give you a realistic estimate. Contact us for a personalised calculation.
Many Sydney homeowners are refinancing in 2026. With variable rates averaging around 5.5 percent for owner-occupiers, and some lenders offering lower options, clients are often saving between $200 and $500+ per month.
Refinancing may also allow you to access equity, reduce repayments, or switch loan features. We provide a free Home Loan Health Check to assess your current loan, calculate potential savings, and confirm whether refinancing makes sense, with no obligation.
Eligible first home buyers can purchase with just a 5 percent deposit under the expanded First Home Guarantee, with no Lenders Mortgage Insurance required. This can save tens of thousands of dollars.
Additional programs, such as Help to Buy, may allow deposits as low as 2 percent for eligible buyers. We specialise in guiding Sydney buyers through grants, stamp duty concessions, and government incentives to help them enter the market sooner.
Yes. We specialise in low-doc and flexible home loans for self-employed borrowers, contractors, sole traders, and clients with non-standard income.
Our lender panel includes specialists who assess applications using business bank statements or accountant declarations rather than traditional payslips. We regularly help business owners across southern and south-western Sydney secure approvals where major banks may decline.
Yes. SMSF property loans allow you to purchase residential investment property through your superannuation.
We arrange compliant SMSF loans with specialist lenders and provide guidance on structure, setup, and lender requirements. This option is popular with investors seeking to diversify their super portfolio while maintaining compliance with ATO regulations.
For standard home loans, we do not charge upfront fees. Our service is free to you, and we receive a commission from the lender once your loan settles. This is fully disclosed and transparent.
For more complex loans, such as some SMSF or low-doc applications, a fee may apply. Any fees are discussed and agreed upfront, with no surprises.
Typical timeframes are:
We manage paperwork, lender communication, and follow-ups to ensure the process is smooth and stress-free, especially for busy Sydney families.
Key features include offset accounts to reduce interest, redraw facilities, extra repayment flexibility, and competitive interest rates.
We tailor loan features to your goals. For example, offset accounts are popular with first home buyers planning renovations, while investors often prioritise interest-only options and equity access.
Yes. We structure investment loans to support positive cash flow, tax efficiency, and long-term portfolio growth.
Whether you are purchasing your first investment property, expanding an existing portfolio, or refinancing to unlock equity, we help investors across Sydney design lending strategies that align with their goals.
Common documents include photo ID, recent payslips or bank statements, tax returns for self-employed borrowers, existing loan statements if refinancing, and property details if purchasing.
Do not worry if you do not have everything ready. We guide you step-by-step and let you know exactly what is needed.
Yes. We are fully licensed under Australian credit laws and regulated by ASIC. We are also accredited with leading industry bodies such as the MFAA or FBAA, and operate under strict best-interest obligations.
Your protection, compliance, and peace of mind are always our priority.
