Mortgage Broker for First Home Buyers in Sydney

Buying your first home in Sydney?

Truth Group helps first home buyers understand borrowing power, deposits, buying costs and pre-approval, and compare suitable home loan options from more than 40 lenders.

Work directly with Nicholas Parpis, a Sydney mortgage broker and licensed buyers agent, to align your home loan, property budget and buying strategy before making an offer.


✓ First home buyer loan support
✓ Mortgage broker with access to 40+ lenders
✓ Borrowing power and deposit guidance
✓ Pre-approval support
✓ Buyers agent support available
✓ Guidance from planning through to settlement

Buying, refinancing or looking at a house and land package or Established property?

I’ll help you understand:

  • How much you may be able to borrow
  • What property budget may be realistic
  • Which lender options may suit you
  • What to check before buying or refinancing

Call or text Nick: 0426 259 327

Check My Borrowing Power → Book Free First Home Buyer Call →

First Home Buyer Sydney

Buying your first home can feel confusing.

You may be trying to understand how much you can borrow, how much deposit you need, which lenders may suit you, whether pre-approval is worth getting and what property you can realistically afford.

Truth Group helps first home buyers in Sydney bring the finance and property side together so you can move forward with more clarity.

Before you start inspecting properties or making offers, it helps to understand your numbers, loan options, buying costs and property strategy.

First Home Buyer Mortgage Broker and Home Loan Support

As a mortgage broker, Truth Group helps first home buyers compare home loan options from 40+ lenders.

First home buyer loan support can include:

  • Borrowing capacity review
  • Deposit guidance
  • Pre-approval support
  • Loan comparison
  • Repayment estimates
  • Lender policy review
  • Government scheme awareness
  • LMI guidance
  • Guarantor loan options where suitable
  • Settlement support

The goal is to help you understand what may be realistic before you start searching for a property.

Young couple discussing with a real estate agent in a modern indoor setting.

Borrowing power can vary between lenders.

One bank may say no, while another lender may assess your situation differently.

Your borrowing capacity can depend on:

  • Income
  • Employment type
  • Deposit size
  • Living expenses
  • Existing debts
  • Credit cards
  • HECS or HELP debt
  • Dependants
  • Loan type
  • Interest rate buffer
  • Lender policy

Truth Group helps first home buyers compare lender options and understand how different policies may affect borrowing power.

Check My Borrowing Power →

The deposit needed to buy your first home depends on your property price, lender policy, loan type and eligibility for any available schemes.

First home buyers may need to consider:

  • Deposit amount
  • Stamp duty
  • Conveyancing costs
  • Building and pest reports
  • Strata reports where relevant
  • Lender fees
  • Lenders mortgage insurance
  • Moving costs
  • Emergency savings
  • Pre-approval conditions

A property may look affordable online, but the real buying cost can be higher once all expenses are included.

Truth Group helps first home buyers understand the full picture before making offers.


Pre-approval can help first home buyers understand what price range may be realistic before inspecting properties.

  • It can also help you:
  • Search with more confidence
  • Avoid unsuitable properties
  • Understand lender conditions
  • Prepare before making offers
  • Improve your position when negotiating
  • Move faster if the right property appears


Pre-approval is not always a full guarantee of finance, but it can be an important step before buying your first home.

Buyers Agent for First Home Buyers

Buying your first home is not just about getting a loan.

You also need to choose the right suburb, property type and offer strategy.

Truth Group can also provide buyers agent support for first home buyers who want help with:

  • Suburb selection
  • Property search
  • Property shortlisting
  • Comparable sales review
  • Building and strata awareness
  • Due diligence
  • Negotiation
  • Auction support
  • Settlement guidance

A buyers agent works for the buyer, not the seller.

This can help first home buyers avoid emotional decisions and understand whether a property is suitable before committing.

Before making an offer, it is important to understand both the property and finance position.

First home buyers should check:

  • Borrowing power
  • Deposit and buying costs
  • Pre-approval status
  • Loan conditions
  • Comparable sales
  • Property condition
  • Strata or building reports
  • Contract terms
  • Settlement timing
  • Estimated repayments
  • Future affordability
  • Suburb suitability

A clear strategy can help reduce the risk of overpaying or buying a property that does not suit your goals.

Truth Group helps first home buyers across Greater Sydney, including:

  • Liverpool
  • Hoxton Park
  • Carnes Hill
  • South West Sydney
  • Western Sydney
  • Inner West Sydney
  • Campbelltown
  • Camden
  • Leppington
  • Parramatta
  • Sydney CBD
  • Eastern Suburbs
  • Northern Beaches
  • North Shore
  • Hills District

Whether you are looking at an apartment, townhouse, established home or house and land package, the right finance and property strategy matters.

House and land packages can be attractive for some first home buyers because they may offer a new home, modern design and growth-area location.

However, the finance can be different from buying an established property.

First home buyers need to understand:

  • Land contract
  • Building contract
  • Construction loan structure
  • Progress payments
  • Land registration timing
  • Site costs
  • Inclusions and exclusions
  • Total project cost
  • Valuation risk
  • Settlement stages

Truth Group can help first home buyers review house and land finance options before committing.

Self-employed first home buyers may need extra guidance because lenders can assess income differently.

If you are a sole trader, contractor, business owner or company director, lenders may request different documents.

This may include:

  • Tax returns
  • Notice of assessment
  • Business financials
  • BAS statements
  • Business bank statements
  • Accountant information
  • Low doc options where suitable

Truth Group can help self-employed first home buyers understand possible loan options based on their documents and lender policy.

The Truth Group First Home Buyer Process

We discuss your goals, income, deposit, preferred areas and timeline.

We assess your finance position and compare lender options.

We review possible loan structures, deposit requirements, buying costs and pre-approval options.

If you need buyers agent support, we help align your property search with your budget and goals.

We help you understand the property, comparable sales and finance position before you commit.

Once your offer is accepted, we help guide the finance process through to settlement.

Common First Home Buyer Mistakes

Many first home buyers make mistakes because they start searching before understanding their numbers.

Common mistakes include:

  • Searching before checking borrowing power
  • Assuming all lenders assess income the same way
  • Only speaking with one bank
  • Forgetting stamp duty and buying costs
  • Not checking pre-approval conditions
  • Making emotional offers
  • Trusting price guides without checking comparable sales
  • Not reviewing strata or building reports
  • Choosing the wrong loan structure
  • Not understanding repayments after settlement

A clear finance and buying strategy can help you avoid these mistakes.

Who This Service Is For

Support your idea with a clear, descriptive sentence or phrase that has a consistent writing style.

Get help understanding borrowing power, deposits, loan options, pre-approval and the buying process.

Review your combined income, expenses, deposit position, property goals and loan options.

Understand what may be realistic based on your income, deposit and lender policy.

Explore possible home loan options based on your income documents and business structure.

Review construction finance, package costs and land registration timing before committing.

Get clear guidance before speaking with selling agents or making offers.

Frequently Asked Questions

How much can I borrow as a first home buyer?

Your borrowing power depends on your income, expenses, deposit, debts, credit cards, dependants and lender policy. Different lenders may assess your situation differently.

How much deposit do I need to buy my first home?

The deposit needed depends on the property price, loan type, lender policy and whether any schemes or support options are available.

Should I get pre-approval before looking at properties?

Yes, it is usually better to understand your borrowing power before inspecting properties or making offers.

Can a mortgage broker help first home buyers?

Yes. A mortgage broker can compare loan options from multiple lenders and help first home buyers understand borrowing power, deposit requirements and pre-approval options.

Do you help first home buyers with property search?

Yes. Truth Group can provide buyers agent support to help first home buyers search, assess and negotiate property.

Can you help with house and land packages?

Yes. Truth Group helps first home buyers review house and land finance, construction loans, package costs and key risks before committing.

Can I buy my first home with less than a 20% deposit?

Some buyers may be able to buy with less than 20%, depending on lender policy, eligibility, LMI, government schemes and personal circumstances.

What costs should first home buyers budget for?

First home buyers should consider deposit, stamp duty, conveyancing, inspections, loan costs, moving costs, insurance, strata costs where relevant and emergency savings.

Do you help self-employed first home buyers?

Yes. Truth Group helps self-employed first home buyers understand possible lender options based on their income documents and business structure.

Which areas of Sydney do you help with?

Truth Group helps first home buyers across Greater Sydney, including South West Sydney, Western Sydney, Inner West Sydney, Liverpool, Hoxton Park, Carnes Hill, Campbelltown, Parramatta, Sydney CBD, Eastern Suburbs, Northern Beaches and North Shore.

Related Services

You may also find these pages helpful:

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Book a Free First Home Buyer Call

Before you start inspecting properties or making offers, get a clearer view of your borrowing power, deposit position, home loan options and buying strategy.
Truth Group helps Sydney first home buyers compare 40+ lenders, understand the property process and move forward with more confidence.

Check My Borrowing Power → Book Free First Home Buyer Call →


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