Will your service cost me anything?
For residential home loans — including First Home Buyer, Refinancing, Construction, and Investment Loans — there is no cost to you. We are paid a commission directly by the lender at settlement. This commission is not added to your loan, hidden in your loan documents, or built into your interest rate in any way. The rate, product, and loan terms you receive through us are exactly the same as going directly to the lender yourself.
We are also required to act in your best interests at all times under the National Consumer Credit Protection Act — so you can be confident our recommendation is based on what is right for your situation, not which lender pays us more.
What is the First Home Guarantee scheme and do I qualify?
The First Home Guarantee is a Federal Government initiative that allows eligible first home buyers to purchase a property with as little as a 5% deposit — without paying Lenders Mortgage Insurance (LMI). The government guarantees the remaining portion of the deposit, meaning you can get into your own home sooner without needing to save a full 20%.
For the Dubbo region, the maximum purchase price under this scheme is currently $800,000.
Eligibility is based on a number of factors including your income, whether you have previously owned property, and the type of property you are purchasing. We specialise in assessing eligibility for this scheme and managing the application process on your behalf. Places are limited each financial year, so it is worth getting in touch with us early to check whether you qualify.
How much deposit do I need to buy a home in Dubbo or the Central West?
The good news is that you may need less than you think. Through the Federal Government's First Home Guarantee scheme, eligible first home buyers in the Dubbo area may be able to purchase a home with as little as a 5% deposit — with no Lenders Mortgage Insurance (LMI) to pay.
If you don't qualify for the scheme, there are still options available. Deposits can also be gifted by a family member, which many lenders will accept subject to their standard conditions. And if you're not a first home buyer, you may be able to use the equity in your existing property as a deposit rather than needing to save fresh funds.
We'll assess your individual situation and walk you through all the options that may be available to you — including guarantor loans and other low deposit pathways.
Your borrowing power depends on more than just your income. Lenders assess your total income, existing debts and credit card limits, living expenses, employment type, and whether you have dependants — and the figure one lender offers can be very different from another. We run a detailed assessment across our lender panel to give you a clear picture of your likely borrowing capacity and help you understand what you can comfortably afford to repay. Any figures provided at this stage are indicative and subject to formal lender assessment.
My bank knocked me back — can you still help?
Being declined by one lender doesn't necessarily mean finance isn't available to you — it may simply mean that particular lender isn't the right match for your circumstances. We compare products across a wide panel of banks, credit unions, and specialist lenders, and we'll give you an honest assessment of where you stand and what options may be worth exploring. We don't make promises, but we will give you a clear and straightforward picture of your situation.
I work for myself — can you still help me?
Absolutely. Self-employed borrowers and small business owners can absolutely access home loan finance, and we have extensive experience helping people in exactly your situation. Many lenders offer products specifically designed for self-employed applicants, including alt doc loans that use BAS statements or accountant declarations rather than traditional payslips.
If you've spoken to your bank and aren't sure where you stand, we're happy to assess your situation and explain what options may be available to you across our lender panel.
I'm not based in Dubbo or the Central West — can you still help me?
Absolutely. While Dubbo and the Central West is very much our home and where our heart is, we assist clients purchasing, building, and refinancing property right across Australia. Whether you're a Central West local who has relocated interstate, someone who has found us online, or simply looking for a broker who will give you genuine personal service — we're just as equipped to help you regardless of where you're based.
Our systems are fully digital, meaning we can handle everything via phone or video call and manage your entire application online from start to finish. Distance is no barrier.
Do I need to come into your office, or can we do everything remotely?
Both work perfectly. We're based right here in Dubbo and love meeting clients face to face — but our systems are fully digital, so if you're in Orange, Bathurst, Parkes, Forbes, Mudgee, or anywhere else across the Central West, we can handle everything via phone or video call and manage your application entirely online.
