Do you want to buy your first home?
Answer the questions below so we can help you.
Are you a First Home Buyer? Get fast pre-approval now.
We'll help you maximise your borrowing power. So you can purchase the house you want.
Why Choose Loan Safari?
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The Best Loan Options For You
We look at loans from over 30 lenders to find the one that fits you best.
Whether you’re buying your first home or looking to save money by refinancing, we make sure you get a great deal.
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10+ Years Of Industry Experience
With 10 years of experience at World Bank and over 10 years in mortgage broking.
We understand the financial industry and this helps us give you the best advice on your home loan.
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Lifetime Customer Support
Once you choose us, we’re here to help you for a lifetime.
Anytime you have questions about your home loan, even years later, we'll be here to support you.
Trusted by Sydney locals
Based in Bella Vista | Verified 5-Star Ratings on Google reviews
I recommend Hari anytime. He is really methodical and systematic in his approach. He is very professional. We had a very very seamless process in obtaining loan for our properties. We did not feel any kind of tension at any point of time.
Had a very smooth and easy experience, Harinder was very helpful in helping me get into the market. I could not be happier!! Harinder is a very knowledgeable Broker and he went above and beyond for me , I highly recommend his services! 🙂🙏
FAQs
The home loan process begins with a pre-approval application, followed by finding a property within your budget, making an offer, and submitting a formal loan application once your offer is accepted. The lender then assesses the application and, if approved, funds are provided for the purchase. We will share a detailed PDF that outlines the process for you end-to-
If you don’t have savings for a deposit, options may include guarantor loans, where a family member guarantees part of your loan, or applying for government grants and schemes like the First Home Owner Grant.
Generally, you need a minimum of 5% of the purchase price as a deposit for your first home. A deposit of 20% or more is ideal to avoid paying Lender's Mortgage Insurance.
Your borrowing power depends on your income, expenses, debts, and credit score.
LVR stands for Loan to Value Ratio, which is the percentage of the property’s value that you're borrowing. It's calculated by dividing the loan amount by the property's value. A higher LVR often means a higher risk to the lender.
LMI, or Lender's Mortgage Insurance, is a one-time fee paid by borrowers who have less than a 20% deposit. It protects the lender in case the borrower fails to repay the loan. It’s important to note that LMI protects the lender, not the borrower.
While not mandatory, obtaining pre-approval is highly recommended as it gives you a clear idea of your budget and strengthens your position when negotiating with sellers.
To qualify for a home loan, provide recent payslips, two years of tax returns if self-employed, a minimum driver's license or passport, and a recent bank statement showing at least a 5% deposit.
A higher credit score can enhance your borrowing power by demonstrating to lenders that you have a history of responsible credit management, potentially qualifying you for better loan terms and interest rates.
The minimum loan amount we can work with is $500,000.
There is no maximum loan limit; however, the amount you can borrow will depend on your financial circumstances and the lender’s assessment.
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