Still renting, even though your income is fine?
If 20% cash is not sitting there, you still may have a door. Leave your details. Tom will call back to book a Strategy Session.
Please add a name, email, and mobile so we can call you back.
For first home buyers with a smaller deposit who want out of rent
You are paying rent. You can service a loan on paper. The gap is cash.
Plenty of people in that spot do not need a lecture about “saving harder.” They need a clear map: which doors are actually open with a thin deposit, which ones are closed, and what to do next.
That is the Strategy Session. Thirty minutes. Plain English. No pressure to apply on the call.
When this page is for you
- You want to buy a first home and stop renting.
- Your income is solid, but the deposit is not 20%.
- You are tired of half-answers from rate ads and bank apps.
- You want someone to tell you what is real for your numbers.
When this is not for you
- You already have a signed contract and need urgent lodgement only (message Tom direct).
- You want the cheapest rate shop with no advice.
- You are not buying in Australia.
Soft proof
- Kitchen-table clarity, not a product pitch.
- We map the door first, then the lender later.
- Strategy Session is 30 minutes on a call. You leave with next steps.
Want a bit more reading first? Buying with a tiny deposit · Which door is open · Deposit bonds for first home buyers
A few straight answers
FAQ
Will you try to sell me a loan on the callback?
No. The call is to book a Strategy Session and make sure the session is worth your time.
What is a Strategy Session?
Thirty minutes with Tom. You bring income, rough price range, and how much cash you can put down. You leave knowing which doors are open, closed, or “not yet.”
What if I am not ready to buy this year?
Still fine to talk. Sometimes the answer is wait, or change the order of the plan. Better to know that early.