Let’s get your first home loan approved

Welcome! We’re so glad you’ve found us. If you’re looking to buy your first home, you’re definitely in the right place. Here, you’ll discover everything you need to know as a first home buyer – from borrowing capacity, eligibility for grants and deposit requirements, and we’re here to guide you through it every step of the way.

We help first home buyers in Perth and beyond understand their options, access grants, and navigate the loan process from start to finish with maximum support and minimum stress.

find out how much you can borrow speak to a mortgage broker now

      
 
 
      Posted on Google  
   
   Tim Sneddon 
 24 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Daniel was incredibly helpful and knowledgeable when it came to helping us. He is very clear and direct, so you know exactly what you need to do and how to get there. The heaps of 5 star reviews is what led me to seek his services in the first place and I can attest through my own experience that they are well earned and deserved.
  
 
     Posted on Google  
   
   Michelle Sneddon 
 24 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Communication is amazing. Knowledgeable and honest.
We would highly recommend Daniel to anybody wishing to buy a home.
  
 
     Posted on Google  
   
   Catherine Moore 
 23 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Daniel responded quickly to my phone calls and emails. He kept me informed at all times and made the whole process easy. I have no hesitation in recommending Daniel to anyone looking for a reverse mortgage.
  
 
     Posted on Google  
   
   Dennis Ginbey 
 8 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. We had a fantastic experience working with Daniel and the team at Base Home Loans for our recent property purchase. They made the entire finance process smooth, stress-free, and incredibly straightforward. Highly recommend their services to anyone looking for a reliable broker!"
  
 
     Posted on Google  
   
   sneha priya 
 2 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Daniel and Leah, thank you for being so proactive, staying ahead of everything, constantly following up and making sure we never felt lost with the finance side of things. Your guidance and reassurance made such a big difference, especially when everything was new to us.
  
 
     Posted on Google  
   
   Zarif Mahmud 
 20 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. I am so grateful for Justine Ann Guzman's exceptional service. She went above and beyond to ensure all my questions were answered promptly and clearly. Working with someone so efficient and kind made a world of difference.
  
 
     Posted on Google  
   
   Omar Munerato 
 4 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. +0I highly recommend Daniel from Base Home Loans. This is the second time we’ve used his services, and once again he has been outstanding. The first time, Daniel helped us secure our home loan in Perth, and now he has guided us through buying our new home in Melbourne. Despite the different states and processes, everything was handled professionally and smoothly.

Daniel is knowledgeable, responsive, and always takes the time to explain everything clearly. He made the entire process stress-free, and we always felt that he had our best interests at heart. Thank you, Daniel, for your excellent service and ongoing support. We wouldn’t hesitate to use you again or recommend you to anyone looking for a reliable and trustworthy mortgage broker.
  
 
     Posted on Google  
   
   Cameron Valentine 
 21 July 2026
 
 
 Trustindex verifies that the original source of the review is Google. Daniels help was fantastic from start to finish. He made the whole mortgage process straightforward, kept me updated every step of the way, and was always quick to answer any questions. I'd highly recommend Daniel and the team at Base Home Loans to anyone looking for a reliable and supportive mortgage broker.
  
 
     Posted on Google  
   
   Mitchell Nye-Wood 
 21 July 2026
 
 
 Trustindex verifies that the original source of the review is Google. Great result and good communication with Daniel from Base Home loans over a year long journey where I was buying off the plan.
  
 
     Posted on Google  
   
   Damian Tully 
 22 June 2026
 
 
 Trustindex verifies that the original source of the review is Google. Great experience working with Daniel from Base Home Loans. He came highly recommended by our Real Estate Agent and definitely didn’t disappoint!

Daniel and his team were super responsive and easy to deal with the whole way through. What we really appreciated was the personal touch. It never felt like we were just another number, which you often get with the bigger providers.

Would happily recommend Daniel to others and would absolutely use him again. Thanks Daniel!
  
 
 
  
 
 
   Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

How we help first home buyers

Personalised First Home Buyer advice at no cost to you

A mortgage broker is a licensed professional who acts as the go-between for you and lenders. Instead of going straight to a bank, you work with a broker who understands your goals, compares loans from multiple lenders and guides you through the entire application, approval process and settlement of your property purchase.

Understanding how much you can borrow

Getting pre-approved with confidence

Accessing grants and government schemes

Supporting you every Step of the way

first homebuyer loans

How we can help

Base Home Loans helps first home buyers in Perth and across Australia understand how much they can borrow, what deposit they may need, which grants or government schemes may apply, and how to get loan-ready before making an offer. Our role is to simplify the home loan process, compare lender options and help you move forward with more confidence.

Got Questions? We’ve got the Answers.

The most common thing we hear from our first home buyers is “This might be a stupid question but…”. There are definitely no “stupid questions” and rest assured that we’ve heard them all before. It’s important to feel empowered and confident when buying your first home and applying for your first home loan, it’s a big deal! We’re here to answer all of your questions, as many times as you need to ask them. For now, here’s a few of our most frequently asked questions to get you started.

Typically, you’ll need at least 5% of the property value, but ideally 10–20% to avoid Lenders Mortgage Insurance (LMI). We can help you explore all your options — including low-deposit loans and guarantor loans.

This is the number one question that people want to know. And for good reason. This is crucial information to know BEFORE you start your property search. It’s important to understand your budget to ensure you’re not wasting time and energy looking at properties you can’t afford (yet!!)

We can give you an approximate idea of how much you can borrow over the phone after you answer a few questions. You can expect us to ask questions about your occupation, age, annual income, if you have any dependents, and any liabilities and expenses you have like credit cards, personal loans or a car loan. From there, we can give you an idea of your borrowing capacity.

Lenders Mortgage Insurance (LMI) is a fee or insurance premium charged when your deposit is under 20% — it protects the lender, not you. However, there are ways to avoid or reduce it, depending on your situation.

Yes, there are options for you to secure a home loan with as little as 2% deposit. You may be eligible for schemes like the First Home Guarantee or a Keystart loan which can help you avoid LMI.

As a genuine first home buyer, you may be eligible for the First Home Owner Grant (FHOG), stamp duty concessions, and/or federal schemes like the First Home Guarantee. We’ll help you apply for everything you would qualify for.

Stamp duty isn’t included in your home loan, it is an upfront cost that you will need to save for. However, your lender may let you borrow extra to cover its cost, depending on your deposit size, borrowing power and eligibility. It’s important to remember that adding this cost to your mortgage, will mean you’ll pay more interest overall, over the life of your home loan.

This depends on your income, debts, expenses, and deposit. We’ll calculate your borrowing power for you and help you understand what’s realistic and affordable. It’s a good idea to start with this before you start searching for your first home.

Besides your deposit, you’ll need to budget for conveyancing fees (settlement agent), potentially loan setup fees, and building inspections. We’ll can help you estimate if you’ll have any additional costs and give you an approximate idea of what they will be up front.

Yes! Getting a finance pre-approval first helps you know your budget and makes your offers more competitive. We help you get ready with confidence.

We compare home loans from dozens of lenders, negotiate on your behalf, handle the paperwork, and guide you every step of the way — all at no cost to you. We’re like a handy home loan helper, here to make sure you pay as little as possible for your home loan and helping you iron out any issues you might come across along the way. Most of our clients stay with us for a very long time, coming back to us when they’re ready to buy their next homes, investment properties and businesses! Basically, we’re here to support you for the long haul.

It can take anywhere from a few days to a few weeks, depending on your situation, whether you’re using any grants or schemes, the lender you’ve chosen and whether or not you’ve already received a pre-approval. We do lots of work behind the scenes to help speed things up and keep you in the loop at every stage. Our general advice if you’re buying a home is to stipulate the standard 21 days in the finance clause of your offer to purchase, which is a safe a commonly accepted timeframe in most residential property purchases. You would have discussed this with your mortgage broker before making the offer.

It can be more complex, but it’s mostly just a different process. With that said if you’re self-employed first home buyer you’d definitely benefit from having a mortgage broker to guide you through the process. We have relationships with lots of specialist lenders who offer home loans specifically for self-employed buyers and can help you navigate any special requirements.

Pre-approval is an estimate of what you can borrow, while unconditional approval means the bank has formally approved your loan for a specific property.

Yes, through the First Home Super Saver Scheme (FHSSS) — you can withdraw voluntary contributions you’ve made to super, up to certain limits.

A guarantor loan is a type of home loan where another person—usually a close family member such as a parent—uses their own property or savings as extra security for your mortgage.

Who can be guarantor: Typically immediate family (parents, sometimes siblings). Some lenders are stricter than others.

Security, not cash: The guarantor doesn’t usually give you money. Instead, they allow the bank to secure part of your loan against their property (often their home).

Helps reduce your deposit: With a guarantor, you may be able to borrow up to 100% of the property price (plus costs) without needing a large deposit.

Avoids Lenders Mortgage Insurance (LMI): Because the guarantor provides extra security, the lender is less exposed, so you can often avoid paying LMI (which can save tens of thousands).

Click here to read more about how a guarantor loan works.

No, but it helps. A mortgage broker can compare multiple lenders, guide you through grants and schemes, and make the process smoother. Over 70% of borrowers in Australia use a broker to help them with their home loan due to factors like:

Convenience and guidance, especially for first home buyers or complex financial situations
Easier access to a wide range of lenders and products
Increased trust in brokers following tighter regulations (e.g., Best Interests Duty introduced in 2021)

No – we can help you get finance for almost anything! From car loans, investment properties, business loans or personal loans, we can do it all under one roof, which means less work and hassle for you.

First Homebuyer Checklist

Download our free checklist to guide you from the very start of your property journey, through to settlement.

get the checklist here

first home buyers celebrate securing their first home by using the first home buyer checklist from best mortgage broker perth

Our most Read First Home Buyer Articles

We’re here to help you get the best possible home loan. simple.

Having helped hundreds of Western Australians find the right home loan solution, Daniel Niederberger of Base Home Loans has grown a base of loyal clients who appreciate his down-to-earth, no nonsense approach as much as his excellent home loan advice and service. We are a Perth-based independent mortgage broker built on the core principles of respect, integrity and trust and we’re here to make home loans feel easy, because life is stressful enough.

book a call with daniel

Daniel Niederberger best mortgage broker perth

We Work with over 80 lenders to give you choice & Flexibility for your home loan

5.0
Daniel was incredibly helpful throughout the process of securing a loan for my first home. I was unsure and had a lot of questions and he was always quick to get back to me (even outside of business hours) and had all the answers I needed. Highly recommended!hentic endorsements from satisfied customers, serve as potent social proof, significantly inspiring trust in potential consumers.
Charlotte Scott

Ready to get started?

We’re mortgage experts — but we speak your language. If you’re ready to chat about buying your first home, please contact us below or simply book a time that works for you directly into our calendar now.

Contact Us

Please enable JavaScript in your browser to submit the form.kadence-form-27081_d95825-3b .kadence-blocks-form-field.kb-submit-field { display: none; }

Let’s get your first home loan approved

How we help first home buyers