Mortgage broker · Western Sydney
Find out what you can actually borrow — before you fall in love with a house.
Home loan help for first home buyers and homeowners across Western Sydney and Australia-wide. We'll tell you where you stand in plain English, what the grants and stamp duty concessions mean for you, and what to do next. We come to you, at a time that suits you.
Free to talk, no obligation. We'll explain how we're paid before you commit to anything.
[CREDIT REPRESENTATIVE NUMBER] of [LICENSEE NAME]
[NUMBER] lenders on our panel
[MFAA / FBAA MEMBERSHIP]
Based in Minchinbury · Serving Western Sydney and Australia-wide
Start where you are.
Buying my first home
You've been told to "get pre-approval" and you're not sure what that means or whether you'll get it. Start here.
→ Show me how it worksRefinancing or consolidating
Coming off a fixed rate, paying more than you think you should, or juggling debts. Let's see what's changed since you last looked.
→ See my optionsBuilding or investing
A land contract, a builder's tender, or a second property. Construction and investment loans have their own rules — we'll walk you through them.
→ Talk it throughWe also arrange commercial property, asset finance and SMSF loans. [SUBJECT TO LICENSEE AUTHORISATION]
Four steps, and you can stop at any of them.
A conversation.
About twenty minutes, by phone or in person — at your place if you like. What you earn, what you owe, what you're hoping to buy. No paperwork, no credit check.
Where you stand.
We come back with a borrowing range, the deposit you'd need, the government help you may be eligible for, and the costs people forget. In writing.
The options.
We compare lenders on our panel and explain the shortlist: what each one needs from you, what it would cost, and why we'd recommend one over another.
The application.
We prepare it, lodge it, follow it up and keep you posted until settlement. You deal with us, not a call centre.
Steps one and two cost you nothing. Plenty of people stop there for a while, and that's fine.
Who you'll deal with
Amit Grover — Director and mortgage broker
[QUALIFICATION / CREDENTIAL]
Before becoming a broker, I spent nine years as an accountant in the construction industry, working with mortgage brokers every day. Too often I saw clients who didn't understand their own loan: what the numbers meant, why they were paying what they paid, or what to do next.
So that's how I work. I explain what I'm doing and why, I show you the calculations, and I make sure you understand them before you sign anything. I come to you, at a time that suits you.
You may be entitled to more help than you think.
First home buyers in NSW may be able to get stamp duty exemptions or concessions and federal help with a smaller deposit. Whether you qualify depends on the price, the property and your circumstances, and the rules change. Here is the plain-English version.
NSW stamp duty help
The First Home Buyers Assistance Scheme can remove or reduce stamp duty on a first home, depending on the property's value.
→ Revenue NSWBuying with a smaller deposit
The federal Home Guarantee Scheme can let eligible buyers purchase with a smaller deposit without paying Lenders Mortgage Insurance.
→ Housing AustraliaShared equity
Under Help to Buy, the government may take a share of the property's value, reducing the loan you need.
→ Housing AustraliaScheme details last checked [DATE]. Always confirm current rules with the official source. [VERIFY SCHEME NAMES AND LINKS AT BUILD]
Get the Western Sydney First Home Buyer Checklist
Every document, cost and step, on one page.
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What clients say
Questions people actually ask
How much deposit do I really need?
Lenders usually prefer a 20% deposit. Many will accept 5–10%, but then you normally pay Lenders Mortgage Insurance (LMI), a one-off cost that protects the lender, not you. It can add significantly to your costs. For eligible first home buyers, government schemes can remove LMI with a smaller deposit. The right amount depends on the property, your income and which scheme you qualify for, which is exactly what we work out in the first conversation.
Does using a broker cost me anything?
No. We don't charge you a fee. When a loan settles, the lender pays us a commission. We'll tell you how much before you commit, and it's set out in our Credit Guide. We're required by law to act in your best interests, whichever lender pays us.
Will talking to you affect my credit score?
No. A conversation and an assessment of where you stand don't involve a credit check. A credit enquiry is only recorded when a formal application goes to a lender, and we'll tell you before that happens.
I'm self-employed, casual or on contract — can I still get a loan?
Often, yes. Lenders just ask for different evidence: usually tax returns, business statements, or a longer employment history. Some lenders are more flexible than others, and knowing which ones is part of our job. Bring what you have to the first conversation and we'll tell you what's missing.
My parents want to help with the deposit. How does that work?
There are two common ways. A gifted deposit usually needs a signed letter confirming it's a gift, not a loan. A family guarantee uses equity in your parents' property as extra security, which can remove the need for a large deposit or LMI. Both have consequences for your family, so we explain them clearly to everyone involved before anyone signs.
Tell us where you're at.
A few details and we'll come back to you [RESPONSE TIME — CUSTOMER TO CONFIRM]. Nothing is committed and nothing costs you anything.