First Home Loans Made Simple. Get Expert Help & Buy With Confidence

We help first home buyers understand their options, maximise borrowing power, explore grants, with clear guidance and zero runaround. Call us and find out how much you can borrow in minutes.

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comparing 80+ lenders

personalised service

ongoing support

What our Clients are saying

Rated 5⭐ by our first home buyer clients

  • 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!
    Charlotte Scott
    First Home Buyer
  • As first home buyers we had no idea what we were doing. From start to finish Daniel walked us through it every step of the way, and nothing was ever too much trouble. Can’t recommend them highly enough.
    Thanks for everything, you helped us make our dream of home ownership come true
    VF Hart
    First Home Buyer

Ready to get started?

Find out how much you can borrow, how much deposit you will need and how to organise a pre-approval and be on your way to owning your own home today. Simply send us your details along with a brief message and we’ll be in touch with the next steps!

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How can We help you?

  • Borrowing capacity & eligibility assessment
  • Government grants & scheme guidance (FHOG, First Home Guarantee)
  • Low deposit strategies & LMI support
  • Pre-approval & lender selection

FAQS

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. 

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.

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.

Why Choose Base Home Loans

Base Home Loans is a Perth mortgage broker focused on delivering personalised home loan results for first home buyers.

  • We’ll Guide You Through The Entire Process Step By Step
  • Access To A Huge Range Of Lenders
  • We Treat You As A Real Person, Not Just A Number
  • Long term support for your home ownership strategy
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