First-home buyers
Stamp duty schemes, the First Home Guarantee, parental guarantees — I'll walk you through what's actually available to you in plain English, and what each one really costs.
Why Wombat
I spent twenty years inside the banks. Now I work for you.
From Citi, UBS and RBS in London — to the broker side of the table.
Twenty years in senior data and analytics roles at Citigroup, UBS, the Royal Bank of Scotland, and later Commonwealth Bank in Sydney. I've sat in the rooms where credit policy gets written, and seen exactly how banks decide who's a good risk and who isn't.
That insider view is the real value. Most rejection letters aren't "you can't afford this" — they're "you applied to the wrong lender for your situation." Knowing the difference is most of the job.
I live where you live. Sydney local. Runner. School volunteer.
"Wombat" comes from the Beecroft Wombats — our kids soccer team I used to coach. I'm originally from the UK, but Sydney's been home for around fifteen years, and Beecroft for most of those. I serve as a volunteer non-executive director at the local primary school.
None of which is the reason to choose a broker. But it's the reason I built this business the way I did: people I'd want to bump into at Saturday parkrun deserve advice that holds up in daylight.
I don't disappear at settlement.
Most brokers move on once the loan settles — that's when they get paid. Wombat works on an annual review model: every year I check your loan against the market, run the numbers, and tell you whether it's still the right deal. Most years it is. Sometimes it isn't. Either way you'll know.
And it costs you nothing. Lenders pay brokers for introducing the loan; the borrower never sees a bill. Australia's Best Interests Duty makes that more than a vibe — it's a legal requirement that I act in your interests, not the bank's.