Work out what I can comfortably afford
We look beyond the maximum loan amount to consider repayments, existing commitments, purchase costs and the buffer you want to keep.
Tell us where you’re up to. You don’t need exact figures, and there’s no obligation.
Built on referrals, reviews and repeat clients
First home support
Federal and state support may reduce the deposit or purchase costs needed upfront. We’ll help you understand which pathways may fit, while formal eligibility is confirmed by the lender or relevant authority.
A clear path forward
We’ll guide the finance process, keep you updated and help you understand what comes next.
Got questions?
No. A 20% deposit can help you avoid Lenders Mortgage Insurance and may widen your lender choice, but some buyers purchase with less. Eligible first-home buyers may be able to use the Australian Government 5% Deposit Scheme, while other lower-deposit loans may also be available. You still need to allow for purchase costs and a sensible buffer.
Depending on the property and support available, costs may include transfer duty, conveyancing or legal fees, building and pest inspections, lender or valuation fees, moving costs, settlement adjustments and immediate repairs or furnishings. Keep a buffer rather than using every available dollar at settlement.
Potentially. Eligible first-home buyers can apply through a participating lender with a minimum 5% deposit. Property price caps and scheme rules apply, and the lender must still approve the loan under its normal credit criteria. Check the current cap for the property postcode before relying on the scheme.
It depends on where you buy. Each state and territory has different exemptions, concessions, property-value thresholds and residence requirements. We can help you understand how these costs affect your lending position, while your solicitor or conveyancer should confirm your eligibility and lodge the appropriate application.
Usually not. First Home Owner Grants generally apply to new or substantially renovated homes, but the amount, property cap, residence requirements and definition of a new home vary by state or territory. Check the current rules where you are buying before relying on the grant.
Sometimes. A buyer may be eligible for more than one form of support, but each program has separate rules, timing and property requirements. Lender participation can also matter. Check the combination before making an offer rather than assuming every benefit can be used together.
Before you begin making serious offers. A useful pre-approval can help set clearer boundaries, but it is conditional, lender-specific and usually time-limited. It does not replace a property valuation, updated documents or final credit approval once you have a contract.
Often, yes. The ownership, loan structure, deposit contributions and each applicant’s financial position all need to be assessed. Scheme eligibility may also change depending on who is buying. A broker can help with lending, while a solicitor or conveyancer should advise on ownership agreements and legal protections.
Any fee that applies to your situation will be disclosed before you proceed. Mortgage brokers may also receive commission from a lender when a loan settles. The relevant remuneration, credit information and lender relationship will be explained in the documents provided during the process.
Your broker team
The value of a broker is not just finding a lender. It is helping you understand the trade-offs, prepare a stronger application, manage lender questions and know what needs to happen next. Manson supports clients by phone and video across Australia, with in-person appointments available in selected locations.
