Specialist First Home Buyer Mortgage Broker. Your First Home, Made Simple.
Stop searching through conflicting advice and wondering if you're ready. Matthew Stack has helped 150+ first home buyers get approved faster than they thought possible by comparing 40+ lenders, securing every grant they're entitled to, and handling the entire process so you don't have to.
- Buy with just a 5% deposit: Government-backed access with no LMI, saving tens of thousands upfront.
- Pre-approved in days, not months: Make offers and bid at auction with certainty from day one.
- Every grant and concession secured: State and federal entitlements claimed, nothing left on the table.
Accredited to compare 40+ specialist lenders
Proven results that speak for themselves
Tailored home loan solutions for first home buyers
Not generic advice. A real strategy built around your situation.
Buy With a 5% Deposit — Zero LMI
Saving a 20% deposit while prices keep rising feels impossible. Through the government-backed First Home Guarantee, eligible first home buyers can purchase with just 5%, with no Lenders Mortgage Insurance — saving tens of thousands upfront. We confirm your eligibility and get your application moving within days.
40+ Lenders, One Right Fit for You
Every bank has different lending criteria, and most will quote whatever's easiest for them. We compare options across 40+ lenders, including specialist policies and exclusive rates unavailable at the major banks, to find the highest borrowing capacity your income actually supports.
Every Grant and Concession, Secured
Most first home buyers leave thousands on the table by missing entitlements they didn't know existed. We map every scheme you qualify for — State grants, stamp duty exemptions, and federal programs — and ensure every dollar is claimed before settlement.
Pre-Approved Before the Weekend Is Over
In a competitive market, hesitation costs you the property. We fast-track your conditional pre-approval so you can make offers with confidence, bid at auction without conditions, and never lose a home because your finance wasn't ready.
Plain English, Every Step of the Way
The home loan process is designed to confuse first-time buyers. Matthew walks you through everything in plain English — borrowing capacity, application, approval, and settlement — so you always know exactly where you stand and what's coming next.
A Full Strategy, Not Just a Rate
Chasing the lowest rate is the most common first home buyer mistake. We build a complete borrowing strategy around your goals, timeline, and financial position — ensuring the right loan structure for your life, not just a number that looks good on screen.
Getting your first home loan is this simple
Book Your Free Strategy Session
Tell Matthew where you're at — your savings, income, timeline. He'll map exactly what you can borrow, which government schemes you're entitled to, and what your path to pre-approval looks like. No jargon, no pressure, no obligation.
We Handle Everything
Matthew prepares your full application, selects the right lender from 40+, and manages every piece of paperwork from start to finish. You won't be chasing banks or filling in forms — we do it all so you can focus on finding the right property.
Walk In as a Confident, Pre-Approved Buyer
With your conditional pre-approval locked in, you can make offers, bid at auction, and negotiate with certainty. You'll know exactly what you can spend — and feel like you've done this before.
What our first home buyers say
Complex situations handled seamlessly, and a team that stays in your corner from start to finish.
“As first home owners, Matthew went above and beyond to help us find a loan that would set us up for success throughout our home hunting journey. He communicated clearly, was quick in his responses, and collaborated with our conveyancer to ensure the process ran smoothly. Couldn't recommend Matthew enough. If I could give 10 stars, I would.”
“We originally thought buying a house would be so far out of reach for us but Matthew did all the hard work in making sure it was possible to help us buy our first home. He kept us up to date with everything and made the whole process so easy! In less than 2 months we were able to buy our first home.”
“Matthew was so helpful and patient with me from the very first phone call. I didn't think I had a chance but now I'm feeling hopeful. Definitely recommend!”
“Matthew was a great help when we were buying our first home. He made the process effortless and with our weird working hours was able to contact all business remotely.”
“Matt was incredibly helpful, kind and efficient from the beginning. He took the time to understand my needs and situation. Matt was able to make a complicated process super simple! I highly recommend Matt for your financial needs!”
“Matthew has gone way beyond to help us. His process of loan preapproval is smooth and extremely systematic. I would highly recommend him.”
“Dealing with Matt is a key success factor in finding the best loan and saving you money quickly. He offers fast practical advice that gets you to the finishing line faster.”
Where can you actually afford to buy?
Search any suburb across Australia for current median prices, rental yields and 12-month growth. Powered by the same data Matthew uses to advise clients.
Meet Matthew Stack
I've spent years helping first home buyers do what many assumed was out of reach. I know how overwhelming this process feels — the conflicting information, the confusing jargon, the fear of being knocked back. I've seen it with every single client I've worked with.
What I do differently is simple: I take the complexity off your plate entirely. I assess your full situation, identify every government scheme and grant you're entitled to, and match you with the right lender from a panel of 40+ — not just whoever quotes first. My clients don't stress about paperwork or lender negotiations. They focus on finding a home they love while I make sure the finance is sorted.
If you're ready to stop wondering and start moving, I'd love to help.
Frequently asked questions
Not as much as you might think. Through the government's First Home Guarantee, eligible first home buyers can purchase with as little as a 5% deposit, with no Lenders Mortgage Insurance. Depending on your state, you may also be entitled to stamp duty concessions that reduce your upfront costs further. A strategy session with Matthew will confirm exactly what you need to get moving.
This is the most common concern we hear. Most people are far closer than they realise. Borrowing capacity depends on income, expenses, existing debts, and the type of property you're buying. Rather than guessing, book a free strategy session and Matthew will give you a clear, honest picture of where you stand.
Your bank can only offer you their own products. Matthew compares options across 40+ lenders — including competitive rates and policies the major banks simply don't advertise. He manages all the paperwork, handles lender communication, and advocates for your application from start to finish. The service is completely free to you, paid by the lender upon settlement.
In many cases, conditional pre-approval can be turned around within a few business days once your documents are in order. Matthew will tell you exactly what's needed at your first strategy session and keep the process moving as fast as possible.
It depends on your income, purchase price, and state. Schemes available include the First Home Guarantee (5% deposit, no LMI), First Home Owner Grant (cash grants in some states), and various stamp duty concessions for first home buyers. Matthew maps all of this at your first session — most clients are entitled to more than they realised.
Check your first-home buyer borrowing capacity
Use Matthew's tools to get a real number — no guessing, no spam. Or book a free strategy session and we'll handle the whole thing for you.