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CASE STUDY: Getting into your first home doesn't have to be hard.

May 31, 2017

But, insert( Mum, Dad, Friend, Neighbour): said we wouldn’t be able to get a loan. Generally speaking this advice is given with the best intentions but not always is it given with a full understanding of the process of getting into your first home.


SNAPSHOT - Mel and Dan


  • Both had full time jobs

  • They had a credit card each

  • They had one personal loan

  • They had a small deposit saved but it wasn’t enough on it’s own


I recently had the pleasure of helping a couple Mel and Dan who were told exactly this.  I called them late last year but it was a busy time and Mel just assumed that everything they had been told by well-meaning friends was true and they were never going to get a loan for their own home so didn’t prioritise catching up.  They had been told their deposit was too small and that they had too many other debts.




Once we finally got together a couple of months ago we secured a preapproval within a week of meeting for a new home up to the value of $550,000 – to say they were ecstatic is a bit of an understatement! Mel and Dan have since gone unconditional on their land and will commence building in the next month.


Try not to listen to the negative chatter that is out there in everything we do.  There will always be naysayers.  I strongly suggest putting aside 30 minutes to have a chat to someone like myself that does this day in day out.  That way you’re getting the facts.


Home finance is like a puzzle and sometimes it just takes a bit of extra looking to find the right piece. Low deposit, no deposit, long term savings, short term savings, lo doc, casual and self-employed.  Often their is a match - send me your challenge and see how I go!














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