It’s Free to Speak to an Advisor

Your First Home Buyer Journey

Step by Step

We've simplified the home buying process into 6 clear steps.Buying your first home is a big adventure—and the mortgage process is like the map you need to get there. There are a lot of steps, (some you expect, some you don’t), and each one shapes your journey from “just dreaming” to “I own this place. As a trusted first home buyer mortgage broker, we walk you through that journey in simple, clear steps—no jargon, no mystery—so you can see where you're headed, what to expect, and how to stay in control. Let’s break it down and get you ready to hit each milestone with confidence.

1

Free Strategy Session

30 mins
  • Understand your borrowing power
  • Identify applicable government schemes
  • Create your personalised action plan
  • No obligations, just clarity
2

Loan Pre-Approval

3-5 days
  • Compare options across 40+ lenders
  • Submit applications to top 2-3 choices
  • Secure conditional approval letter
  • Start house hunting with confidence
3

Property Search Support

Ongoing
  • Guidance on auction vs private sale
  • Contract review recommendations
  • Stamp duty and cost calculations
  • Settlement timeline planning
4

Formal Application

7-14 days
  • Submit property details to lender
  • Coordinate valuations and inspections
  • Handle any lender queries
  • Keep you updated throughout
5

Approval & Settlement

21-42 days
  • Final loan approval confirmation
  • Coordinate with solicitors/conveyancers
  • Arrange settlement inspections
  • Ensure smooth handover
6

Ongoing Support

Lifetime
  • Annual loan health checks
  • Refinancing opportunities
  • Rate reduction negotiations
  • Property investment advice

Ready to Start Your Journey?

Book your free 30-minute strategy session today and take the first step towards owning your dream home.

Start Your Journey

Ready To Buy Your First Home? Congratulations!

Unconditional Finance Is Here To Walk You Through The Process.

Loan Solutions

First Home Loans

First Home Loans

Make your first home dream a reality with personalised loan solutions and expert support tailored for first-time buyers.

Buy Your First Home
Refinance a Loan

Refinance a Loan

Reduce your repayments or access your equity by refinancing your home loan with competitive rates and flexible terms.

Refinance With Ease
Renovation Loans

Renovation Loans

Transform your property into your dream home with renovation loans designed to finance your home improvement projects seamlessly.

Renovate Your Home
Investment Loans

Investment Loans

Expand your property portfolio with customised investment loan options that support your financial growth strategy.

Expand Your Portfolio
Trust Loans

Trust Loans

Simplify the process of purchasing property under a trust with lending solutions tailored for trustees and trust structures.

Better Trust Structures
Rentvesting

Rentvesting

Step into the property market while renting in your ideal location with innovative rentvesting loan options.

Invest Sooner
Business Loans

Business Loans

Fuel your business ambitions with flexible financing designed to meet your unique operational and expansion needs.

Grow Your Business
SMSF Loans

SMSF Broker

Unlock the potential of your Self-Managed Super Fund to invest in property with tailored SMSF loan options.

SMSF Loan Options
Home Equity Loans

Home Equity Loans

Tap into your home’s equity to fund renovations, investments, or personal projects with a flexible home equity loan.

Leverage Your Equity
Second Home Loans

Second Home Loans

Purchase your next property with ease through loan solutions designed specifically for second-home buyers.

Buy Your Next Home
Bridging Loans

Bridging Loans

Move between properties without financial stress with short-term bridging loans for seamless transitions.

Relocation Loans
No Deposit Home Loans

No Deposit Home Loans

Get into the property market faster with no-deposit home loans available for eligible Australian buyers.

Invest Sooner
Changing Home Loan

Changing Home Loan

Switch to a better home loan with ease and enjoy lower rates, better features, and potential savings.

Enjoy Lower Rates
Equity Release (Age 55+)

Equity Release (Age 55+)

Access your home equity during retirement with financial solutions tailored for Australians aged 55 and over.

Access Your Equity
Retirement Mortgage

Retirement Mortgage

Enjoy peace of mind with flexible retirement mortgages designed to suit your lifestyle and financial goals.

Retirement Loans
Green Home Loans

Green Home Loans

Support sustainable living by investing in eco-friendly homes or upgrades with green loan options.

Green Loan Options
Holiday Home Loans

Holiday Home Loans

Make your dream of owning a holiday home come true with flexible financing options tailored to Australians.

Own a Holiday Home
Commercial Property Loans

Commercial Property Loans

Grow your business with tailored loans for purchasing or refinancing commercial properties with confidence.

Commercial Loans

Debt Recyling

A Smart Strategy to Build Wealth While Managing Your Mortgage. We help Australian homeowners make the most of their home loans.

Debt Recyling Options
Guarantor Home Loan

Guarantor Home Loan

Achieve homeownership faster with the support of a guarantor loan, minimising upfront costs and barriers.

Guarantor Home Loan

Google Reviews

Jordy Alexander
Jordy Alexander
We have been a client of Unconditional Finance since 2021, and we cannot speak highly enough of the exceptional services...
Meredith Paige
Meredith Paige
We found Chris and his team incredibly helpful and responsive. They were very willing to explore all options available to...
Asher McGlone
Asher McGlone
I recently had a great experience working with Unconditional Finance, specifically with Chris, Mitchell, and Nicole, to...
Justin smith
Justin smith
Highly recommend, Joel is great to deal with and is always looking for the best deal. The team is amazing...
Kane Cox
Kane Cox
Chris and the team were great! Able to secure funds that exceeded my expectations after failed attempts with...
Chad Robinson
Chad Robinson
Fantastic mortgage brokers. If your needing a team to assist you with your investment portfolio or a single finance...