Can you imagine buying a home without knowing anything about first home mortgage, finance or real estate? It can be pretty daunting to buy your first home when you have no idea how long and meticulous of a process you are about to sink your teeth into.

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First Time Home Buyer Where To Start

Need a guide to buying first house? Then you’ve come to the right place.

For first home buyers in NSW, this free online resource will give you some valuable insights into the property market in Australia. Our guide for first time buyers will tackle essential pieces of information on mortgages, deposit, home loan types, and other important issues.

What is a first home buyer?

First off, who is a first time home buyer? For some, it is important to know what is considered a first time home buyer because some government grants (we will get to this later) have certain criteria on who qualifies, e.g., the stamp duty exemption.

Basically, a first home buyer is someone buying a property (i.e., house or flat) who has never owned one in the past and no property to sell. If you’re a first time buyer, this precludes the possibility of you being a homeowner, an investor, or someone who is already mortgaging or re-mortgaging an existing home.
Keep reading to get expert advice on how to apply for a home loan first time buyer like you can use as valuable reference.

What is needed for first time home buyer: Costs of buying a home

Some folks who express interest in buying property are not aware of the many upfront and ongoing costs associated with this kind of purchase other than the mortgage itself.

Below is a list of expenses you can expect to comply with. Each one of these costs will vary depending on the state, territory, and area you want to buy in.

Legal/conveyancing fees (can go up to $2500)
Loan application fees
Stamp duty (state government taxes)
Pest and property inspection fees
Lenders Mortgage Insurance (LMI)
Land tax
Buyers’ agents’ fee
Council rates
Strata searches
Utility connections

How much deposit for first home buyer?

You may find yourself wondering “as a first home buyer how much deposit do I need?” or “how do I get a first time home buyer loan?”

Typically, borrowers are asked to make a 20% deposit of the property’s purchase price.

However, there is an option for those who can’t make the 20% deposit requirement for their first home mortgage. Some home lenders are happy to accept a 5% of 10% deposit — but there’s a catch.

Lender’s Mortgage Insurance

There is what we call a loan-to-value ratio (LVR) which refers to the amount you borrow relative to your property’s value. If your LVR is higher than 80%, it means you pose a greater risk to the lender.

While it is possible to buy your home for much less and get into the market with only a 5% or 10% deposit of the property’s value, the caveat is that you do have to have to pay insurance to your lender — also known as Lenders Mortgage Insurance (LMI). This additional fee is put in place as a means to protect lenders from risky loans held by borrowers with a very low deposit.

A low deposit option may just be what you need to get your first foot up the property ladder. But keep in mind that having to pay LMI means you will pay bigger monthly payments.

Tips to Help First Home Buyers in NSW Save for a
First Home Mortgage Deposit

As a first home buyer, saving for your first home mortgage deposit is a big commitment and sometimes your cash goal can seem out of reach.

Below are top tips to help you save for a house deposit in Australia and get into your first home quicker.


Draw a line between your savings and your everyday cash

Online savings accounts are better than traditional bank accounts because you can’t use them to make purchases or withdraw cash.

Separating your money this way can help you avoid temptation to dip into your savings. It also makes it harder to get access to it.


Automate your savings

Determine how much of your salary you’d like to set aside for savings. Then, set up a regular transfer of your pay into your savings account. You may even ask your employer to split your salary across your different bank accounts.

Another way to automate your savings is by rounding up your transactions. Some savings accounts or apps, for instance, let you round-up your transactions to the nearest dollar or $5 so when you buy a coffee for $5.85, your round-up setting would divert “change” of the “round-up” straight into your savings account.

These two are easy and automatic methods to automatically put money away. Every little bit helps, and this puts you on an “out of sight, out of mind” mode.


Cut back unnecessary spending

When you go over your bank or credit card statements, you may find things like subscriptions or memberships that you can do away with or will be wiser to cancel.

Consider diverting these expenses to your savings account until you save up enough money for buying first home.


Reduce your bills

There are many ways to reduce your bills. When grocery shopping for example, you can order your groceries online so you can see exactly how much you’re going to spend and have more time to decide what you really need.

You can also reduce your food consumption by planning your meals, buying in-season produce, buying meat in bulk, and cooking dishes that can be easy leftover options.
When reducing your energy bills, try comparing rates from energy suppliers regularly and pay attention to regular plan costs.


And finally, start a savings plan

There is no getting your way around it — a savings plan is a must as a first home buyer wondering how to apply for first time home buyer loan.

A bigger deposit means smaller debt and monthly repayments, so it is crucial that you create a savings plan. You can start by tracking your expenditures and setting a realistic budget so you can stay on top of your finances. This will help you pay all of your expenses and save wherever you can.

What are my options if I don't have a deposit ready?

There really aren’t a lot of ‘no deposit’ type of home loans out there. The ones that do exist have very strict criteria that entails a larger interest rate, having a near-perfect credit score, and a very stable employment history.

Some individuals seek financial help from their home-owning parents and family members by asking them to provide a cash gift to help augment their deposit or to become their guarantor.

How to apply for first time home buyer grants

But what if you don’t have anyone from your family who can help?

Don’t fret. Below are government programs designed to help first home buyers fast track their buying journey. The links below will also help you around how to qualify for first time home buyer programs.

First Home Owners Grant

The First Home Owners Grant (FHOG) is a state-based program that gives free funding for first home buyers whose properties have reached settlement. Some states offer grants up to $15,000 and prioritise those who are undertaking construction of brand new homes.

Each state has their own set of requirements for eligibility. Click here for more information.

First Home Super Savers Scheme

The First Home Loan Deposit Scheme aims to support eligible first home buyers purchase a home sooner by lowering the required deposit to secure a loan.

Once you qualify for the scheme, the National Housing Finance and Investment Corporation (NHFIC) will become your guarantor on up to 15% of your deposit. This is helpful for those with 5% deposit who don’t want to pay Lenders Mortgage Insurance.

Each state has their own set of requirements for eligibility. Click here for more information.

First Home Loan Deposit Scheme

The First Home Loan Deposit Scheme aims to support eligible first home buyers purchase a home sooner by lowering the required deposit to secure a loan.

Once you qualify for the scheme, the National Housing Finance and Investment Corporation (NHFIC) will become your guarantor on up to 15% of your deposit. This is helpful for those with 5% deposit who don’t want to pay Lenders Mortgage Insurance.

Each state has their own set of requirements for eligibility. Click here for more information.

Family Home Guarantee

If you’re a single parent with at least one dependent child and looking to purchase a home, the Family Home Guarantee is definitely for you. This scheme will allow you to make a 2% deposit and avoid paying LMI, whether or not you’re a first time home buyer.

Each state has their own set of requirements for eligibility. Click here for more information.

If you need assistance around how to apply for first time home buyer grants, don’t hesitate to reach out to your local home loan mortgage broker.

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Buying first home: How to apply for first time home buyer loan

So you’ve decided you want a house you could call your own, and take out a mortgage for it. Now you’re wondering where and how to begin applying for a home loan.

First, you must book an appointment with a trusted home loan expert to advise you of your options based on your situation, goals, and reasons for getting a home loan.

Next, prepare the necessary paperwork (e.g., payslips, bank statements, IDs, etc) for home loan conditional pre-approval. This process of qualification is where your home broker determines how much you can borrow and how best to approach your loan application.

Once you’re approved for a conditional pre-approval, you can begin scouting for your dream home. After finding the property you want, you make a bid to the vendor.

If the sale is a success, your mortgage broker will arrange a property valuation to determine the value of the property.

For more information, read our article on where to start the home loan process.

Getting Your Mortgage: How do I get a first time home buyer loan?

You have completed all the home loan prerequisites — now, you’re ready to begin the full home loan application process.

The next thing you need to do is work on getting unconditional approval, also known as formal approval. This is where home lenders will conclusively determine if you qualify for a loan after having taken all of your personal information into account.

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As a first time home buyer how much can I afford?

Your mortgage broker will be able to determine for you how much you can afford based on their assessment of your financial records. They will help you make sure you meet all of the conditions, and will be with you throughout the entire process.

They can even negotiate with the lender on your behalf to help you get the home loan product that best suits your financial situation.

Which home loan for a first home buyer NSW:
fixed, variable, or split?

There are three types of home loans on the market. It is up to you to decide which one can accommodate your lifestyle and financial needs.

The first type is the fixed loan. It is tied to a fixed interest rate and requires you to pay a certain amount for a fixed period of time. This type of loan is great for those who want consistent payments and are averse to interest rate rise.

One major downside to this is that when interest rates do decline, your payment will remain the same and unaffected.

The second type is the variable loan. It is tied to a floating interest rate, which means your monthly repayments may change depending on whether the interest rate increases or declines. This type of loan is great for those who want a higher degree of flexibility in their repayments.

The third type is the split loan where your loan is divided into multiple parts. You can nominate a portion of your loan to be tied to a fixed interest rate, and the remainder could have a variable interest rate. This option is great for those who want to get the features from both variable and fixed rate loans.

To know which one will suit your personal circumstances best, get professional advice from the best mortgage broker in your area

Reasons a First Home Buyer Should Use A
Mortgage Broker NSW

Mortgage brokers NSW provide a valuable service that is often overlooked by first home buyers. They are experts at finding you the best deal on a loan for your needs. They will also help with paperwork and negotiations between lenders and borrowers.

Below are the most important ways a home loan mortgage broker can help ease the process of buying first home for you.

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Wide panel of lenders and products

Get access to a wide panel of lenders and can help you compare a range of home loan products to find the one that best suits your needs.

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Save time by letting your broker do the research and paperwork for you, which can be especially helpful if you're a first-time home buyer and are unfamiliar with the process.

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Expert advice

Be educated by a professional on the different types of loans available, interest rates, and repayment options, helping you make an informed decision.

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Negotiating power

Stress less about making sure you get the right deal for your circumstances as your broker can negotiate with lenders on your behalf to help you secure a better interest rate or loan terms.

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Simplified application process

Skip the legwork of sorting your paperwork! Allow your broker to help you with filling it out as well as making sure you have all supporting documents prior to your application submission.

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Help with credit issues

If you have a poor credit score or other credit issues, a mortgage broker can help you find lenders that are more willing to work with you.

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Ongoing support

Mortgage brokers can provide ongoing support throughout the life of your loan, including help with refinancing or negotiating loan modifications.

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Peace of mind

Rest assured that your broker will make sure you understand the home loan process and are comfortable with your loan terms, helping you avoid costly mistakes or misunderstandings.

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Get support during the settlement process

Your broker will support you through the settlement process (conveyancing, building and pest, and pre-settlement inspections) until the contract is finalised.

Let the mortgage professionals at Stryve help you

The buying experience is a huge learning curve and one of the biggest decisions you’ll make in your life. It can be somewhat a little overwhelming at first. You’re in safe hands with Stryve Finance.

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Take the first step to organise an appointment with us to discuss your plans to purchase. We will let you know what can be done, what’s involved and the best lenders to help your dream become a reality.

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Loan Application

We will let you know what paperwork is required to put together a pre-approval to give you the financial backing to make offers with confidence.

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Ongoing Help

We will continue to service our clients long after settlement. From interest rate reviews right through to ongoing loan maintenance. You will always have a point of contact for all future lending

Why Stryve?

We know the in’s and out’s of the finance industry which is why we love helping you secure your first home with a loan that is flexible for you. Buying your first home is tough and we get it. We understand you will have a heap of questions that need answers. Let us help you take the first step in an appointment to discuss the options available for you.

Expert advice from start to finish

Have an expert broker in your corner navigating you through the complexities of getting the right loan for your circumstances.

Getting the toughest loans approved

Banks can be tough, which is why we go the extra mile in getting the loan you deserve.

Your success is our success

Getting the keys to your new property is where it all counts. Time to pop a bottle of champagne!

FAQs on First Home Mortgage

What is a mortgage broker, and how can they help me as a first home buyer?

A mortgage broker is a licensed professional who can help you find and compare home loans from various lenders. They can help you navigate the application process, negotiate with lenders on your behalf, and provide guidance on the best loan options for your situation.

What are the advantages of using a mortgage broker when applying for a first home buyer loan?

Using a first home buyer mortgage broker can offer several advantages, such as access to a wider range of loan products and lenders, expert advice on the application process, and potentially better loan terms and interest rates. They can also save you time and effort by doing the research and paperwork for you.

How do I find a reputable mortgage broker that specialises in home loan for first home buyers in Australia?

You can find a reputable mortgage broker in Australia by asking for referrals from friends and family, checking online reviews and ratings, and verifying their credentials with industry associations such as the Mortgage and Finance Association of Australia (MFAA) or the Finance Brokers Association of Australia (FBAA). They also should have a Certificate IV in Finance and Mortgage Broking. They should also have a credit licence from Australian Securities and Investments Commission (ASIC).

How much can I receive from a first home buyer grant, and what can it be used for?

The amount of first home buyer grant you can receive varies depending on the state or territory in which you are purchasing the property, and can range from several thousand to tens of thousands of dollars. The grant can be used towards the deposit or other associated costs of buying a property.

What is a credit score, and why is it important for a first home buyer?

our credit score is a number that is calculated based on your past credit and loan history, and it reflects your creditworthiness. Lenders use your credit score to assess the level of risk associated with lending you money. Your credit score is calculated based on several factors, including your payment history, credit utilisation, length of credit history, credit mix, and new credit inquiries. Payment history is the most important factor, as it reflects whether you have made payments on time and in full for past loans and credit accounts.

Having a good credit score is important when applying for first home buyer home loans, as it can affect your ability to qualify for a loan and the interest rate you are offered. Lenders may also consider other factors when assessing your loan application, such as your income, employment history, and debt-to-income ratio.

How can I improve my credit score before applying for a first home buyer loan?

You can improve your credit score before applying for first time home buyer loans by paying bills on time, reducing credit card balances, avoiding new credit applications, and correcting any errors on your credit report.

What is the difference between a fixed and variable interest rate for a first home buyer loan?

When you apply for loans for first time home buyers, you will have to choose a type of first home buyer interest rate. A fixed interest rate means that the interest rate and thus your monthly repayments on your first home mortgage will remain the same for the entire term of your loan, regardless of changes in market conditions. A variable interest rate can change over time, based on changes in market conditions, such as fluctuations in the Reserve Bank of Australia’s official cash rate. This means that your monthly repayments can also vary over time.

What are the advantages and disadvantages of fixed vs variable rates for a first time home buyers loan?

Fixed interest rates can provide you with certainty and stability and can make it easier to budget and plan your finances. However, if interest rates fall, you may miss out on potential savings. Variable interest rate can offer more flexibility, as your repayments can decrease if interest rates fall. But if interest rates rise, your repayments may increase, which can make it harder to budget and plan your finances.

Can you really give me access to the best first home buyer loans in the market?

In Australia, mortgage brokers are prohibited from claiming that a particular home loan is “the best” available in the market. This is because the Australian Securities and Investments Commission (ASIC) discourages the use of such language, especially since brokers do not have access to all lenders or products in the country, and thus, there is no concrete evidence to support such a claim.

However, as mortgage brokers, we can assist you in finding the most suitable home loan for your specific needs and circumstances. Our role is to evaluate your financial situation, discuss your goals and preferences, and suggest a variety of options from our network of lenders. Ultimately, the ideal home loan for you is one that caters to your requirements and fits within your budget.

Can I use my superannuation to help save for a first home buyer deposit?

Yes you can use it to help save for a first home loan deposit through the First Home Super Saver (FHSS) Scheme. This government scheme allows eligible first home buyers to withdraw voluntary contributions made to their superannuation fund to put towards their first home deposit. Under the FHSS Scheme, eligible individuals can make voluntary contributions of up to $15,000 per financial year, up to a total of $30,000, into their superannuation account to save for their first home. These voluntary contributions are taxed at a lower rate than your regular income tax rate. Once you are ready to purchase your first home, you can apply to withdraw these contributions, as well as any associated earnings, to put towards your home deposit.

Can I use my rental history as proof of genuine savings when applying for a first home mortgage?

Genuine savings are funds that you have saved over time, typically held in a savings account or investment account, to demonstrate your ability to save and manage your finances. Lenders may accept your rental history as evidence of genuine savings if you can provide documentation to show that you have consistently paid rent on time and in full for a specified period, usually around six to 12 months. This can help demonstrate to the lender that you are capable of meeting regular financial commitments and have a reliable income stream.

Can I get a first home buyer loan without a deposit?

Traditionally, home lenders require borrowers to have a deposit of at least 5% of the property purchase price to be eligible for a home loan (plus Lenders Mortgage Insurance or LMI, 20% if without LMI). One option for borrowers with no deposit is to take out a guarantor loan, where a family member or friend provides a guarantee for the loan by offering their own property as security. This allows the borrower to avoid having to save up for a deposit and may help them secure a first home buyer loan. Another option is to consider applying for a first home buyer grant, which can provide financial assistance to eligible first home buyers in the form of a cash payment or a reduction in stamp duty.

How long does it typically take to save for a first home buyer deposit in Australia?

According to the Domain First Home Buyer Report, the time it takes to save for a first home buyer deposit in Australia varies by location. The report found that, on average, it is now 13 months quicker for a couple aged between 25 and 34 to save a 20% deposit for an entry-level house in Sydney and Canberra than it was last year. In Brisbane, it takes 11 months less, in Melbourne and Darwin nine months less, in Hobart four months less, and in Perth just one month less. However, the report noted that in Adelaide, the time it takes to save for a deposit has actually increased by one month. Overall, the time it takes to save for a deposit can vary depending on location and other factors, but it remains a significant hurdle for many first-home buyers.

Should I be worried about my Afterpay debts when applying for a first home mortgage?

If you have outstanding debts with Afterpay or any other buy now pay later providers, know that this might impact your ability to secure a first home mortgage. Lenders will assess your credit history and current financial situation when determining your eligibility for a home loan. This includes looking at your outstanding debts, your repayment history, and your overall financial stability.

While having Afterpay debts may not necessarily disqualify you from getting a home loan, it could have an impact on your credit score and lenders may view it as a potential risk.It is important to be transparent about your financial situation when applying for a home loan and to work with a mortgage broker or financial advisor who can help you navigate the application process and assess your options. If you are concerned about how your Afterpay debts might impact your ability to secure a first home mortgage, speak with us at Stryve Finance so we can provide guidance and advice specific to your situation.

Should I buy my first home as a single person?

One advantage of buying a home as a single person is that you have full control over the decision-making process and do not need to consider others. You can also potentially take advantage of first home buyer grants or incentives that may not be available to couples or families.

However, buying a home on a single income can be more challenging, as you may have less borrowing power and less capacity to save for a deposit. Additionally, owning a home comes with ongoing expenses and responsibilities, such as maintenance, repairs, and property taxes, which can be difficult to manage on a single income.

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Dylan is fantastic to work with and sorted problems so fast. Great communication, highly recommend!

Kari Moffat June 3, 2023

Really happy with Dylan's service. Dylan is professional and he makes things happened quick. Can't go wrong with his service.

Justin Wang May 18, 2023

I cannot recommend Dylan enough!!! My husband and I have a mixture of perm income as well as self employed - due to this, a few brokers turned us away, but not Dylan! He was able to listen to our situation and find a bank to approve us. He was so professional and he was just as excited as us when it all came together! Thanks again!


We highly recommend Dylan and the Stryve team. They're professional, knowledgeable and great communicators who listened to our mortgage needs and provided products that suited us. Stryve has assisted us multiple times with products and are proactive in seeking lower interest rates.

Sharnae Filcich April 28, 2023

Refinanced my mortage with Dylan. He did a fantastic job and helped me with every aspect of it. I would highly recommend him to anyone.

patrizia tarantola April 19, 2023

Dylan is an absolute star and fantastic broker! From the moment we began the process to refinance an investment and make a new purchase with the equity, all the way through to settlement, Dylan was attentive, supportive and proactive. His dedication to the outcome and continual value checks to ensure we were getting the best possible rates were such a great service. Dylan made the seemingly daunting task of this whole process a pleasant and positive experience, always transparent and happy to take the time to explain all the moving parts and answer all our questions. Will definitely be engaging Dylan for our future financing needs and cannot recommend him enough! Thanks Dylan!

metcaelfe April 17, 2023

Dylan and the team at Stryve have been fantastic from day one, with a personable approach to business and a strong knowledge of the market. Dylan has helped us secure the best possible rates available and navigate the finance processes for our first home, and two cars. I highly recommend the team at Stryve and want to thank Dylan, Jake and all the team for their ongoing support and guidance up to settlement and beyond as we continue our journey.

Lucas Maidment April 12, 2023

Dylan Bertovic provided expert support and guidance from the very earliest stages of my property buying journey in Australia. Dylan delivered pragmatic advice, and was able to understand and deliver according to my specific property goals. Bonus points is that Dylan was patient enough to repeat himself when I kept forgetting minor details along the way!

Simon Moore March 9, 2023

On behalf of my husband and I, we would like to truly thank Dylan Bertovic for all his assistance in helping us with our new loan - approved in time before our settlement. Dylan worked above and beyond expected. He took the time to explain every step and process with us. Any questions we had, Dylan would go out of his way to ensure they were answered. He made the process stress free and ensured we got the best possible deal. Thank you for your professionalism, your hard work and your friendliness as well. We now live in our dream home and we have you to thank for that :) We highly recommend Dylan to all our family and friends.

Merna Yalda March 7, 2023

Dylan assisted my partner and I through the purchase of our home. From getting pre approval through the completing the application and purchase of our home it was seamless. We cannot thank Dylan enough for being accessible and communicating with us through the whole process. We will be recommending to all our family and friends!

Tamara February 8, 2023

I really can’t rate Jake Fuller highly enough. Jake came along to help me get a home loan refinance through the toughest time in my life through a messy marriage separation. This involved countless interactions with banks, finance companies, lawyers and various agencies. It was a very complicated matter added with the emotional stress of the situation. For all the people I had to work with through this, I can honestly say Jake went above and beyond on so many occasions and was by far the only one throughout the whole process who I could completely rely on. He was always extremely supportive, positive, showed a huge amount of compassion and care, and was able to find me a fantastic financial outcome which worked perfectly for me and relieved a huge amount of stress, uncertainty and pressure. Through all of this Jake was an absolute rock. I honestly don’t think I could’ve done it without him. His service went far above and beyond the financial side, he clearly cared and went out of his way to get onto every stumbling block that came our way, nothing was a problem for him and he acted so quickly and effectively handled every step with the utmost of professionalism. I honestly can’t thank him enough and can’t rate him highly enough. I’ve made it to the outside now with a fantastic outcome. Thanks so much Jake!

Luke Jackson January 25, 2023

Thank you very much Dylan, you made purchasing my first home possible under such short times and everything else. Your work ethic and client centric approach really speaks for itself. I can’t recommend you enough you are amazing thank you

Audrey Eshiloni January 25, 2023

Dylan made the process of buying our first house stress free and easy. He was approachable to start with and very responsive to all of our questions throughout the process. Can not recommend enough.

Blake Ridges January 25, 2023

Dylan helped me for 18+ months until I found the right property. Would 100% use his services again and recommend to friends and family.

Emilio Mattiuzzo January 10, 2023

I highly recommend Dylan. I bought my first home with Dylan’s help and couldn’t have done it without him. His organisational skills and responsiveness made the process way less stressful. He also has a great ability to think outside the box and got me the best deal possible. I look forward to using Dylan again when I remortgage or buy my next property.

Chad H December 19, 2022

Dylan worked fast and went above and beyond to help me refinance. He spoke honestly and clearly and was always pushing for my best interest while working with lenders. Highly recommend.

William Nguyen December 13, 2022

I wanted to give a huge thanks to Dylan, he is so informative and knowledgeable, he guided me through step by step to obtain the loan. It was easy and comfortable process working with him! I will definitely use him again.Thank you for you support!

Giuseppe Soriano November 21, 2022

Huge THANK YOU to Jake for helping us sort out our loans and refinancing them so my husband and I can start fresh and get our foot started with saving for a home. Jake was super professional and quick to respond with any questions we had. He explained the process to us perfectly and made the process so much easier for us. We cannot thank Jake enough for his time and effort getting our loan sorted. Looking forward to working with Jake in the near future. Highly recommended 10/10

Tessa Manumua October 26, 2022

Thank you Dylan! Dylan was so informative and knowledgeable. He made the process seamless and kept me updated every step of the way. I couldn’t recommend him enough. Refinancing through Dylan was the best decision I made . Thank you again Dylan!

Alex Talia October 26, 2022

Jake helped us re-finance our home during a very stressful time for our family. His compassion, efficiency and thorough understanding of mortgage made this experience painless and easy. I highly recommend Jake for your mortgage broking needs! 10/10!

Sarah Townend October 25, 2022

Dylan has been absolutely great along the process. He is professional, responsive, a great communicator and wonderful support throughout. Highly recommended.

Monica Velez Posada October 19, 2022

Was an easy and comfortable process working with Dylan! Dylan is super knowledgeable and will definitely use him again. Thank you for you support!

Angela Maiuolo October 17, 2022

Fantastic customer service. Dylan made our purchase a straightforward, smooth journey from start to finish. He kept us in the loop throughout all stages of pre-approval and purchase of our home and was always available for any questions/queries we had. Thanks Stryve!!

Joseph Caccamo October 17, 2022

Dylan was an absolute legend to work with. His communication is amazing and explains everything so you are never in the dark. I can't recommend Dylan and his team enough.

Andrew Marrone October 16, 2022

We came across Dylan Bertovic after spoken with several brokers. Our experiences with Dylan were great and we knew after spoken with him that he has the heart to help people fulfill their dreams. He was very professional, prompt to respond whenever we reach out to him. He was on top of his works, and we highly recommended him to anyone whose looking for a broker who is willing to help you all the way.

Liuvao Tamati October 13, 2022

Dylan is really professional and responsive, guided me through all the steps with buying my first home. I would highly recommend him to all my friends and family.

sandra petros October 1, 2022

Got recommended to Dylan by one of my mates and I couldn’t be more pleased with the out come, will definitely be going through dylan again!

Jhy Rowley August 19, 2022

Dylan was amazing to work with, he was punctual to the minute and always followed up with his client. He was knowledgeable in my peculiar case and was upfront about the whole process. He always found a way to answer my concerns and help me with my application process. I would 100000% recommend Dylan to family and friends, and hopefully work with him again soon. Cheers Dylan

Nashwan Istephan August 6, 2022

The team at Stryve really made the whole refinancing process easy. Their expertise in the home loan landscape made the process quick and mostly hands off, which being so busy myself was a lifesaver.

Alicia Valderrama August 2, 2022

Absolutely impressed with the professionalism displayed by Dylan from Stryve. Throughout the whole process, I was kept in the loop and well informed. There was ongoing communication via call, email and text. Achieving a loan could not have been simpler - Dylan was optimistic and extremely helpful.

Melissa Xerri July 26, 2022

As first home buyers, we can’t be more grateful for the help and support we received from Dylan and the rest of the team at Stryve. Throughout the whole process they were consistently professional and helpful and provided us answers to anything and everything we were curious about. There was never a time when we couldn’t reach them and on top of that we were even provided with regular check-ins. We felt at ease throughout the whole process of purchasing our first home and we are highly grateful to have found them. We could not imagine the process with anyone else and will continue to recommend them to all our friends and family. We will be definitely using them again in the future.

Maria Olivia July 22, 2022

Dylan and the team were fantastic in assisting us with the purchase of our first home. The whole process from enquiry through to settlement whilst daunting for a first home buyer, was made extremely smooth and easy through their expertise and prompt responses to our many questions. We will absolutely be engaging with Dylan, Jake and the team for future services and will highly recommend to anyone interested!

Hayden Watts July 13, 2022

After speaking with multiple brokers who were no help at all, my partner and I found Dylan. From the start he has been nothing but helpful and professional. He answered all of our questions and was available at odd hours, which may have been inconvenient for him just so he could accommodate for our shift work / rotating roster. He went above and beyond what we even expected by contacting the land developer in regards to our settlement when our conveyancer failed to do so. Dylan is very knowledgeable, and we have already recommended him to family and friends which he has been a great help for them also. We will definitely be using Stryve Finance again in the future.

Kadison Reid July 12, 2022

Massive thanks to Jake for helping us out with our mortgage. Extremely helpful and was with us every step of the way. He kept us updated and was able to answer any of our questions. We trusted his information and the process was seamless! Highly recommend!

Kaitlin King July 7, 2022

Dylan has helped us with our mortgage requirements for many years now and cannot recommend him highly enough. With the assistance of Dylan and Jake, our most recent enquiry was the fastest and easiest yet! If you’re after mortgage solutions tailored to your requirements, do not hesitate speaking with Dylan.

Chris Sullivan June 29, 2022

Dylan was recommended to me by a friend and I’m glad. He went above and beyond. Everything went smoothly and any questions I had, Dylan would be on the phone straight away explaining everything to me. He is very knowledgeable and has a great team by his side. Everything you need in a mortgage broker, prompt & reliable service! Thank you to Dylan and his team!

Samantha Mizzi June 16, 2022

My husband and I have used Dylan twice over the years. First to help us secure a loan for our first home when we were struggling to find anyone else to help us! Then second to refinance our property. Both interactions working with Dylan and his team were amazing. A very reliable team who make's it all too easy, all whilst maintaining an extremely friendly and caring environment for their clients. Highly recommend this team to help you secure your financial goals!

Elise Castersen June 15, 2022

Massive thank you to Dylan and the team. They made my entire experience from start to finsh an absolute breeze. Truly cannot recommend them enough, and hope to use them again in the future.

Ryan Shepherd June 14, 2022

Buying a first home can be really daunting and stressful .. but working with Dylan and the Stryve Team took all the worry and stress away. Dylan not only looked after the pre-approval and settlement of my loan, but most recently the refinance of my loan. Dylan is professional, knowledgeable, patient and kept me in the loop throughout the whole process. Answering all my questions without hesitation and always coming back to me in a timely manner. I would highly recommend Dylan and the Stryve Finance Team, and I look to working with them again in the future. Thank you for everything, Dylan :)

Carla Kokozian June 14, 2022

A huge thank you to Dylan for the second time in refinancing a loan to purchase our second investment property. From the start to the end of the process our experience in dealing with him was so easy and stress free. He would always respond to any questions we had instantly and will be using him again in the future. We highly recommend Dylan to anyone who needs his services.

Nardia Gioiosa May 10, 2022

At the start of the year I decided I wanted to try buy my first property in Sydney. My Mum gave me Dylan’s contact number and within the first phone call he had the ball rolling and from there the process was so easy. As this was my first time entering the property market I had no idea about anything however Dylan talked me through it all and kept me in the loop with everything. And just last week settled on my first unit. I can’t thank him enough for all he’s help and support. I will be recommending him to all my family and friends when they decided to start buying and will in the future continue to work with him. Thank you Dylan for everything

nicole lucas April 27, 2022

Thank you Dylan for your fantastic support and knowledge in helping us to own our first house. You just went beyond customer service and made us feel so comfortable. We asked so many questions and you answered them all with so much patience. We highly recommend Dylan's services to anyone out there. Thank you again Dylan!

amanda jonker April 6, 2022

Dylan went above and beyond and nothing was too much trouble. We spent over 12 months looking for a house and he answered every single question I had without any hesitation. With the 101 questions we finally secured a house and he turned everything around so quickly to ensure everything was sorted for settlement. I have had the best experience with Dylan and will be coming back when needed again. Thanks again!

Emily Brown March 31, 2022

My experience with Dylan & Stryve Finance has been nothing but positive & enjoyable. If you’re ever contemplating finance i highly recommend reaching out

Daniel Beardall March 17, 2022

Dylan helped me achieve my dream of owning my own home. His dedication, commitment and professionalism is outstanding. I will definitely be recommending Dylan to my family and friends! Thank you Dylan!!!

Emily Kitch January 28, 2022

The greatest broker of all time. Dylan provided nothing short of a world-class service. When it came to documentation and applying for a loan, Dylan made everything a breeze. Never would I have ever thought that I would find a broker who was going to make this such a quick, fun and enjoyable process. I have come across many brokers and Dylan is by far the man you would rather have in your corner. Dylan, you are second to none. Thank you Dylan for your help, I look forward using your services in the future as well as referring you many clients to come!

Jack Cailotto January 6, 2022

We had the pleasure of having Dylan help us with buying our forever home, his support, patience, knowledge and willingness to help at all times has been nothing but outstanding. Purchasing a property can come with a lot of stressful scenarios Dylan has been amazing and created a stress free experience! Thank you Dylan! Rest assured if anyone is in need of your service you will be highly recommended!

karolina luburic January 5, 2022

Absolutely brilliant, from start to finish, Dylan goes far and beyond all expectations, from 600km away home loan approved and settled within weeks, even blew our solicitor out of the water with his prompt services, would recommend Dylan 110%

Dale Sutcliffe January 4, 2022

Dylan assisted me throughout the process of getting my loan from start to finish. He is extremely knowledgeable, helpful and prompt. Due to my lack of understanding in the beginning, he gave great recommendations and guided me the whole time with his unmatched expertise in the industry which in the end lead to me finalising a brilliant loan. Wouldnt go to anyone else - thanks mate!

Libz December 10, 2021

Dylan's service was absolutely outstanding, I cannot recommend him highly enough!! From the first phone call to the follow up after settlement he went way beyond my expectations as a first time buyer. Within 6 weeks I was settled in my first home and couldn't be happier. No question was a silly one and always answered in a thorough way with clear communication. If reading these testimonials - you'd be silly not to engage Dylan as your broker! I look forward to future dealings with Dylan.

Jess Mirtschin December 10, 2021