First Home Buyers
We'll help you into your First Home
Buying your first home is an exciting journey, but the process can feel overwhelming. First Home Buyers have unique needs and questions, especially when navigating the complex world of finance. This is where Linton Finance, based in Kellyville, steps in to make your experience as seamless and stress-free as possible. We understand the importance of finding the right home loan that suits your financial situation, whether it's understanding the loan to value ratio (LVR) or securing a favourable interest rate.
Linton Finance specialises in guiding First Home Buyers through the maze of home loan options available from banks and lenders across Australia. Our team of experienced Home Finance & Mortgage Brokers are experts in securing loans that meet your specific needs, taking into account your credit history and the loan amount you're aiming for. We're here to ensure you understand all aspects of your mortgage, from lenders mortgage insurance (LMI) to the intricacies of stamp duty.
For First Home Buyers, access to clear information about the First Home Owner Grants (FHOG) and how it can benefit you is crucial. Linton Finance prides itself on providing up-to-date information and support in applying for these grants, which can significantly lower the financial burden of buying your first home.
Choosing Linton Finance means entrusting your home buying journey to professionals who genuinely care about your aspirations and are committed to finding the best possible home loan solution for you. Our expertise and dedication to first-time buyers make us the perfect partner in turning your dream of homeownership into reality.
In 60 seconds, understand how much you can borrow to buy your dream home.
Initial Discussion:
Begin by having a conversation with a Linton Finance Mortgage Broker. We will aim to learn more about your goals and objectives and advise you as to whether or not we can support you achieve them and how quickly.
Fact-Finding:
We'll collaborate with you to gain a comprehensive understanding of your financial situation, including your financials, assets, and credit history. This helps determine your borrowing capacity. Our brokerage utilises Financevault and a stream of digital first assets to make this process fast, secure and seamless.
Pre-Approval:
Once you receive pre-approval, you can confidently begin bidding or making offers on properties you wish to purchase. We will explain the loan amount, interest rates (both variable and fixed), and potential interest rate discounts. We also discuss the importance of the loan to value ratio (LVR) and any lenders mortgage insurance (LMI) that may be required.
Loan Settlement:
Upon settling on the property, your Home Loan will be drawn down, and you will be all set to move forward. We will help you navigate the settlement process with your chosen conveyancer. We will also assist in calculating loan repayments and managing your loan interest rate to suit your needs.
Post Settlement:
Our work together has just begun, as part of the Linton Finance difference we support you in keeping your interest rate honest. If we feel as though your rate isn't competitive, we will reach out and advise you of the latest offers in the market or negotiate on your behalf with your bank.
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My refinance process was smooth and hassle-free. Nathan was highly responsive, knowledgeable, and made everything easy from start to finish. I felt confident throughout and look forward to working with him again in the future. Highly recommended.
Brendon Xu
Could not fault this business, the efficiency and quality of Nathan’s service is second to none, he made buying a home simple and stress free. Thanks again.
josh
Nathan has been an amazing mortgage broker for us. There was a lot of questions my husband and I were concerned and unsure about, but Nathan was able to break down our concerns and address them- leaving us stress free. He went above and beyond for us to secure our home and we are so grateful. Highly recommend!!
Alyssa Balayo
Working with Linton Finance was a game changer for us, they were somehow able to get us approved just days after speaking and our loan refinanced to a cheaper rate with cash out for a renovation in 2 weeks. The whole process was without any printing and signing and Nathan always picks the phone up when we call with questions. Super happy with the result and look forward to recommending them to our friends and family.
Michael Angelo DelaCruz Rubio
I've been wanting to write this review for a while now, and like a lot of people, very time poor, but cannot let more time go by without taking the time to thank Nathan and his team. We needed a professional that had the expertise to guide us through the complex process of refinancing and future-proofing our financial goals, but as importantly, was customer-focused, reliable and consistent. Nathan led us through from start to finish and in between (always ready to respond to our queries which was such a refreshing change given our previous experience with other mortgage brokers), and gave us so much confidence in the process. We were working on a tight timeframe and Nathan was able to get us through in the shortest amount of time, which was absolutely amazing. We're looking forward to working with Nathan and his team in future as we count him as our go-to mortgage broker now. Thanks so much, Nathan, we couldn't have enjoyed this process without you!
Johanna Annewetey
Very easy to deal with and always contactable when needed.
Shaun Smith
Unlike banks that only offer their own loan products, we’re a boutique, fully independent mortgage brokerage with access to over 30 lenders. Unlike larger brokerages that pass clients off to offshore teams after the initial consultation, we handle everything in-house—from application to settlement and beyond—ensuring seamless communication and personalised service.
No, our service is completely free for you. As a mortgage broker, we’re paid a commission by the lender when your loan settles—meaning you get expert advice and a tailored loan solution without any extra cost. Unlike a bank, we compare multiple options to find you the best deal, not just push one lender’s products.
We are fully accredited mortgage brokers and members of the Mortgage and Finance Association of Australia, Registered with AFCA and we partner with the largest aggregator in the country 'Australian Finance Group' giving us the best access to technology & security for our clients.
Absolutely, I submit special pricing requests for all my clients deals and ensure that we leverage our banking relationships to drive best pricing outcomes for our clients at loan application stage and beyond as we continue to service your loan.
The exact documents depend on your situation, but generally, you’ll need:
ID (Driver’s License or Passport)
Proof of income (Payslips, tax returns if self-employed)
Bank statements (Showing savings and expenses)
Existing loan details (If refinancing)
Don’t worry—we guide you through the entire process, making it as easy as possible.
No, you don’t have to meet in person with a mortgage broker. We offer online consultations via Zoom and can handle the entire process remotely, including submitting documents and discussing loan options on a phone or video call. We understand that not everyone works 9-5 pm and you may have commitments such as family, sport or social outside of work. The flexibility we offer makes it convenient for you to work with us regardless of location.
We prioritise all our customers loan applications, if you've provided us the relevant documents we need we'll then provide a 'product comparison report' which will have 3 lender options in it with special pricing discounts requests in under 24 hours. (I know quick right!)
Linton Finance Pty Ltd ABN: 30 676 911 210. Credit Representative #560299 is authorised under Australian Credit License #389087
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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