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

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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.

Smiling couple using a computer with their investment agent on a meeting.

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.

We help you by researching the mortgage market extensively. Our team finds the best deal tailored to meet your specific needs, ensuring you receive the most suitable financing options available.

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

As a first home buyer, I had very little idea of the how things were done in the property purchasing world. Kevin was both generous and patient with his time, going above and beyond to explain all steps of the process, as well as reassuring me when it all felt overwhelming. I cannot reccommend him highly enough.

Jack Rogers

12 days ago

I’ve had the pleasure of working with Kevin as my mortgage broker for over 5 years, and I couldn’t be more happy with his ongoing support and professional service. From start to finish, Kevin has been professional, attentive, and always had my best interests at heart. He always takes the time to explain all of my options in detail, making the entire mortgage process easier to navigate. Kevin's commitment to ensuring we got the best possible deal is a testament to his character, professionalism and loyalty. Which is why we have no hesitancy’s in recommending him to our friends and family. If you're looking for a knowledgeable and reliable mortgage broker, I highly recommend Kevin. His dedication and customer-first approach made all the difference in what could have been a stressful process. Thank you, Kevin, for supporting our family in all of our transactions and I look forward to achieving many more milestones together.

liang huang

1 month ago

Kevin helped me step by step through the whole process of purchasing my first home. He was very professional, helpful and knowledgeable. I highly recommend if you are looking to purchase a property. Thank you so much!

Michelle B

1 month ago

"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!

Burak Gündüz

2 months 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.

youn jung jung

2 months 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!

Sam Heo

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.