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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Nathan was great to work with—professional, knowledgeable, and really helpful. He recently helped me with an investment loan and found several lenders with competitive rates, giving me good options to choose from. The whole process was smooth, and I’d definitely recommend him.
Ahmad Ghanizada
Linton Finance and Nathan was absolute pleasure to deal with. He helped me get the best deal which I'm very happy with. Made the process so easy and stress free. I have already recommended him to others and will do the same in the future. Looking forward to the continued partnership. Thank you
Darren Wickham
I had an amazing experience with Linton finance. They made the whole process super easy by explaining everything in plain language and always being quick to answer my questions. I ended up with a great mortgage deal and terms that aligned perfectly with my financial goals. Id definitely recommend them if you're looking for someone knowledgeable and friendly.
Usman Malik
Nathan is an excellent mortgage broker, he took his time to understand our circumstances and came back to us very quickly with a number of options that were much better than what our bank of 15 years were offering us. Very pleased and couldn't recommend them highly enough!
Alice Chin
Nathan was a treat, he made the process really simple. He was super quick responding to all my questions and was able to get the loan approved for my wife and I at a rate we were happy with. Would definitely recommend
Joseph T
We’ve used multiple brokers in the past and Nathan has been by far the best. He was very thorough and broke things down for us, making things easy from start to finish. Highly recommend!
nicole abouchaaya
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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