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Four business professionals, three women and one man, smiling and having a discussion around a laptop in a conference room.

First home buyers

Your journey into home ownership starts here

Buying your first home is one of life's biggest milestones, and we're here to make it feel exciting, not overwhelming. From understanding your borrowing capacity to securing the right loan and navigating settlement, we'll guide you through every step with confidence.

In our experience, this is going to be easier than you think.

Discuss your first home loan

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We’ll guide you every step of the way

Buying your first house is part of the Australian dream. We are excited to help you fund a place that you can truly call home.

No more inspections and no more requests to hang up a photo frame!

We know there's a lot to learn, which is why we focus on making sure you feel informed and confident every step of the way.

There’s no such thing as a silly question. We’ll take the time to answer them all, supporting you from your first conversation through to settlement.

We’re just as excited as you!

Discuss your first home loan

Why first home buyers choose Soho?

Education First.

We believe informed buyers make confident decisions. We'll explain every step, every term and every option so you always know what's happening.

Access to 70+ Lenders.

We'll compare home loan options from one of Australia's largest lender panels to help you find a solution that's tailored to your circumstances.

Personal Guidance.

From understanding borrowing capacity and government grants through to settlement day, you'll have one dedicated broker supporting you throughout the entire journey.

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“I cannot speak highly enough of Hayden and the team at Soho Financial! Throughout the process of refinancing my complicated portfolio, they demonstrated exceptional expertise and dedication.”

From our initial meeting, Hayden took the time to thoroughly understand my financial situation and objectives, and he consistently went above and beyond to identify the best refinancing options to suit my needs.

The responsiveness and communication from Hayden is unmatched. He kept me informed at every stage of the process, promptly addressing any questions or concerns I had. He made me feel confident and reassured throughout the entire journey.

I wholeheartedly recommend Soho Financial to anyone seeking a professional, responsive, and highly skilled financial team. Thank you, Hayden, for your outstanding efforts and for helping me achieve my financial goals!

- Josh H

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Is now the right time to buy?

You may be closer to buying your first home than you think.

It could be the right time to start the conversation if:

✓ You're saving for your first home.

✓ You're wondering how much you can borrow.

✓ You'd like to understand your deposit options.

✓ You're unsure what grants or incentives you may be eligible for.

✓ You've started attending inspections or searching online.

✓ You'd like confidence before making an offer.

Even if you're still in the early planning stages, we're here to answer your questions and help you understand your options.

Frequently Asked Questions

We've answered some of the most common questions from first home buyers. If you can't find what you're looking for, our team is always here to help.

  • The deposit required will depend on your circumstances and the type of loan you're applying for. While many buyers believe they need a 20% deposit, there may be options available with a smaller deposit depending on your eligibility.

    We'll help you understand what's possible and develop a plan that suits your goals.

  • Depending on your circumstances and the property you're purchasing, you may be eligible for government grants, stamp duty concessions or other first home buyer incentives.

    We'll explain what's available, determine your eligibility and ensure you maximise every opportunity available to you.

    READ MORE →

  • Your borrowing capacity depends on a range of factors, including your income, expenses, savings and existing financial commitments.

    We'll assess your situation, explain your borrowing capacity and help you understand what price range is realistic before you begin house hunting.

Ready to Buy Your First Home?

Whether you're just starting to save or already searching for your dream home, we're here to help make the process as straightforward and enjoyable as possible.