Buying Your First Home ?
Own your dream home today with just a 5% Deposit – First Home Guarantee Loan
Borrow Up to 95% - Pay No LMI
How To Buy A Home With Just 5% Deposit ? Looking to buy your first home in Australia but short on savings? There's good news! You can purchase a property with a deposit as low as 5%. By leveraging government initiatives and lender policies, you can achieve your dream of homeownership. The Australian Government's Home Guarantee Scheme allows eligible buyers to acquire a home without paying Lenders Mortgage Insurance (LMI), offering programs like the First Home Guarantee and Family Home Guarantee with different terms and property value caps. Moreover, some banks offer loans up to 95% of the property's value, including LMI. If more assistance is needed, a guarantor loan could be an option, using another person's property for the deposit, potentially eliminating the need for one altogether. ✅ 5% Deposit ✅ No LMI Required ✅ Fast & Complimentary Service
Why use our service ?
We will find you a home loan aligned with your financial goals & current lifestyle to set you up for long-term success!
We'll shop your mortgage around to 50+ lenders and negotiate the most favourable rates & structure before presenting you with your options.
We will take care of everything from start to finish - taking all the stress and time out of evaluating your mortgage! Throughout every step of the journey were just a phone call away to answer any questions that may come up.
Our Approach
1. Book a complimentary home loan consultation
Schedule a free consultation with our expert mortgage brokers. We'll discuss your needs and help you find the best home loan options in Australia.
2. We’ll thoroughly research the market to find the best deal tailored just for you.
3. You'll be presented with the best option within 24 hours
Our team assesses your needs and presents the best mortgage option within 24 hours. We simplify the process, ensuring you have all necessary information to make confident decisions.
4. Get you pre-approved & Buy Ready !
We help you secure pre-approval for your mortgage, ensuring you're ready to make a confident purchase. Our team guides you through the process, making buying a home simple and straightforward.
5. Help you save for the life of your loan
We'll stay in touch to make sure that you still have the right loan as your situation changes (and try to save you money along the way !)
Our Lenders
Here's What Our Customers Have To Say
Google Reviews
"My partner and I purchased a home last year, and we had an amazing experience working with Kevin. He was incredibly helpful throughout the entire process and always quick to respond to our inquiries. Kevin made everything seamless and stress-free. We truly appreciate his professionalism and dedication to making sure we understood every step. We will definitely be working with him again for our next home. Highly recommend!
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Burak Gündüz
16 days ago
I sincerely appreciate your prompt responses and the accurate, high-quality information you always provide. You have helped me consider aspects I hadn’t even thought of, allowing me to approach things from various perspectives. I truly believe this is a company I can trust and work with for a long time.
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youn jung jung
23 days ago
He is honest, sincere and always has a good mind for his customers also he has good knowledge, experience and understanding. Contact him once and you will get a fiance adviser for life. High Recommend!
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Sam Heo
1 month ago
Kevin at KP Mortgage made the entire loan process seamless and stress-free. From start to finish, he provided clear guidance, prompt communication, and expert advice tailored to my situation. His professionalism and dedication ensured everything went smoothly, and I always felt confident in his recommendations. I highly recommend Kevin to anyone looking for a knowledgeable and reliable mortgage broker!
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Chun Lin Song
1 month ago
Huge thanks to you, Kevin, for making our real estate experience so smooth! You’re always available, no matter the time of day, and super quick to respond to any questions we had. You took the time to explain everything in detail, making sure we fully understood each step of the process. Your dedication and willingness to go the extra mile truly made a difference. You are highly recommended to anyone looking for a reliable and helpful broker!
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antonio gayagoy
1 month ago
Kevin is great, he is everything that you expect from a mortgage broker and more. Very lucky to find him.
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Orkun
2 months ago
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Frequently Asked Questions
Can a mortgage broker help you secure a better interest rate?
Our mortgage specialists provide personalised help to first-time buyers, securing competitive loans and supporting them through the purchase process.
How can a mortgage broker assist with securing a home loan?
Our team evaluates your unique financial situation, compares lender offers, and negotiates terms to ensure you get the most suitable home loan for your needs.
Is there a consultation fee for first home buyers at KP Mortgage?
No, we offer free initial consultations for first home buyers to discuss their needs and explore potential mortgage solutions.
Can you assist with refinancing a current mortgage?
Certainly! We assure you of obtaining the best interest rate for your Home or Investment Loan refinancing.
What are the interest rates that your mortgage broking service can offer?
A mortgage broker acts as a link between you and lenders, helping you find a mortgage that suits your financial needs and homeownership goals. They compare loan options from various lenders, focusing on interest rates, repayment terms, and fees. With their expertise, mortgage brokers often negotiate better terms than you might secure on your own. They also assist with the application process, ensuring paperwork is completed accurately and on time, simplifying an otherwise complex task.