First Home Buyer Mortgage Broker Sydney | Echidna Equity
First Home Buyer Mortgage Broker, Sydney

Buying your first home is
complicated enough.

Echidna Equity guides first home buyers through every step of the process, from understanding your borrowing power to getting the keys. No fees. Ever.

Book a Free Chat Call 0485 981 099
75+ Lenders Compared
No Fees for Our Service
First Home Guarantee Accredited
Licensed Credit Representative
Based in Sydney

For First Home Buyers

Most people only buy their first home once. You deserve to get it right.

The process is more confusing than it needs to be. Between deposit requirements, lender policies, government grants, and loan structures, most first home buyers spend months second-guessing every decision before they've even made an offer.

We cut through that. We explain your options in plain English, match you with the right lender from a panel of 75+, and stay with you from the first conversation until the day you get your keys.

And because we're paid by the lender after your loan settles, our service costs you nothing.

75+
lenders compared to find the right fit for your situation
$0
cost to you for our service, from first call to settlement
5%
minimum deposit possible with the First Home Guarantee

What We Do For You

More than just finding a rate.

A good broker does a lot more than compare interest rates. Here's what you actually get when you work with Echidna Equity.

🔍

Borrowing Power Assessment

We work out exactly how much you can borrow before you start looking, so you're not wasting time on properties outside your range or missing ones within it.

🏦

Lender Matching

Different lenders suit different buyers. We match you based on your income type, deposit size, property type, and timeline, not just whoever has the lowest headline rate today.

🎁

Grants and Scheme Navigation

We identify every grant and government scheme you're eligible for, including the First Home Guarantee, stamp duty concessions, and the First Home Super Saver Scheme, and fold them into your application.

📩

Full Application Management

We prepare and submit your application, manage the lender on your behalf, and keep you updated at every stage. You don't have to chase anyone.

Government Support

There's more help available than most people realise.

First home buyers in NSW have access to a range of government schemes that can significantly reduce your upfront costs. We make sure you don't leave any of it on the table.

Federal

First Home Guarantee

Buy with as little as a 5% deposit without paying Lenders Mortgage Insurance. Limited places available each financial year.

Federal

First Home Super Saver Scheme

Save your deposit inside your super fund and benefit from concessional tax rates, then withdraw it when you're ready to buy.

NSW

First Home Buyer Assistance

Stamp duty exemptions or concessions for eligible first home buyers in NSW, depending on the purchase price of the property.

NSW

First Home Owner Grant

A $10,000 grant for eligible buyers purchasing or building a new home in NSW valued under the threshold.

Federal

Family Home Guarantee

Single parents and legal guardians can buy with as little as a 2% deposit without paying Lenders Mortgage Insurance.

Federal

Regional First Home Buyer Guarantee

Buying outside a major city? This scheme allows eligible buyers to purchase with a 5% deposit in regional Australia.

Eligibility criteria apply to all schemes. We assess your situation and confirm what you qualify for before lodging any application.

How It Works

Five steps from first chat to front door.

We lay out exactly what happens so nothing catches you off guard.

01

Free initial chat

We talk through your situation, your deposit, and your timeline. No commitment required.

02

Borrowing power

We calculate your borrowing capacity and identify which grants and schemes apply to you.

03

Lender shortlist

We compare 75+ lenders and present you with a shortlist matched to your specific situation.

04

Pre-approval

We submit your application and secure pre-approval so you can make offers with confidence.

05

Settlement

We manage the full process through to settlement day and stay available well after.

Common Questions

Things first home buyers ask us most.

If your question isn't here, just call us. There's no such thing as a question that's too basic.

The standard requirement is 20% to avoid Lenders Mortgage Insurance, but through the First Home Guarantee you may be able to buy with as little as 5%. The right amount depends on your income, the property price, and which lender we match you with. We work this out with you in the first conversation.
No. In fact, it's better to talk to us before you start looking. We can give you a borrowing power assessment and arrange pre-approval so you know exactly what you can spend before you fall in love with a property.
Nothing. We're paid a commission by the lender after your loan settles. There is no cost to you for our time, our research, or our application management at any stage of the process.
From first conversation to pre-approval is typically one to two weeks, depending on how quickly we can gather your documents and how responsive the lender is. Full formal approval after you've found a property usually takes two to four weeks.
A formal application does leave a mark on your credit file, which is why we assess your situation thoroughly before lodging anything. We only apply to lenders we're confident will approve you, and we avoid speculative applications that could impact your score unnecessarily.
Yes, and it's common. Joint applications can sometimes increase your borrowing power but also add complexity around income verification and liability. We work through the structure with you to make sure it's set up correctly from the start.

Client Story

A first home buyer who almost gave up.

Sometimes the difference between getting into your first home and staying stuck is having someone who knows which doors are still open.

First Home, New Job, No Problem

Mia had saved a solid deposit and found a property she loved, but had recently changed jobs and was three months into a new role. Every bank she approached directly told her to come back in six months. We found a lender that assessed her application on her overall financial position rather than her employment tenure, secured pre-approval within five days, and she settled on her first home the following month.

5
Days to pre-approval

Ready to take the first step?

Book a free, no-obligation chat with Lorenzo or Tom. We'll tell you exactly where you stand and what's possible.

Book a Free Chat Call 0485 981 099

Echidna Equity Pty Ltd ACN 678 592 713. Credit Representative Number 562940 of Australian Credit Licence 384704. Suite 302, 13/15 Wentworth Ave, Sydney NSW 2000. General information only. This does not constitute financial or legal advice and does not take into account your objectives, financial situation or needs. Credit criteria, terms and conditions apply. Government schemes and grants are subject to eligibility criteria, availability, and may change without notice. Interest rates, fees and product features are subject to change without notice.