Most first home buyers approach the bank alone. We give you an FBAA-certified mortgage broker to compare 50+ lenders and a licensed buyer's agent to find and negotiate the property — both on your side, from day one.
$0
Broker fees
we are paid by the lender
$18,500
Avg. LMI saved
via First Home Guarantee
50+
Lenders compared
banks, credit unions & non-bank
3 weeks
Pre-approval timeline
from initial consultation
Is This Right For Me?
Pre-approval in place before you start inspecting — so you can move fast when you find the right property.
With the First Home Guarantee, eligible buyers can purchase with 5% and avoid LMI entirely.
We serve many first home buyers from Chinese-Australian backgrounds — bilingual service, familiar with the unique financial circumstances.
Never bought before? We walk you through every step — from what you can borrow to what to look for in a loan.
Our Process
We review your income, expenses, and savings to give you a realistic borrowing capacity before you start looking at properties. We also assess eligibility for the First Home Guarantee and any grants.
We compare products across 50+ lenders, recommend the right structure for your situation, and secure a conditional pre-approval. This process typically takes 2–3 weeks.
When you find a property, we coordinate the formal loan application, liaise with the lender and conveyancer, and ensure settlement goes smoothly.
What We Do
Conditional pre-approval gives you confidence to make offers and shows vendors you are a serious buyer. We manage the application process and advise on document preparation.
The Australian Government's First Home Guarantee allows eligible buyers to purchase with just 5% deposit without paying Lender's Mortgage Insurance. We assess your eligibility and manage the application.
NSW first home buyers are eligible for full stamp duty exemption on properties up to $800K and concessions up to $1M. We calculate your entitlement and incorporate it into your purchase budget.
A $10,000 grant is available in NSW for eligible first home buyers purchasing new or substantially renovated properties up to $600,000. We manage the application alongside your loan.
Pair your finance with our APIG buyer's agent service. We search, inspect, and negotiate on your behalf — giving you professional property expertise alongside your lending expert.
Once you are in your home, we review your rate annually and alert you when refinancing would save you money. Most clients we refinance save $1,500–$5,000 in their first review.
The Situation
A young couple in Sydney had saved $75,000 and assumed they needed a 20% deposit to buy, which would have meant years more saving. They came to us after seeing our website.
What We Did
We assessed their eligibility for the First Home Guarantee and confirmed they qualified. We compared 14 lenders, secured a competitive rate without LMI, and coordinated their stamp duty exemption as NSW first home buyers.
The Outcome
They purchased a 2-bedroom apartment in Parramatta for $680,000 with a 5% deposit of $34,000, avoiding $18,500 in LMI. Settlement was completed within 6 weeks of pre-approval.
$18,500
LMI avoided via First Home Guarantee
"All cases are anonymised. Results vary by individual circumstances."
Calculators & Tools
Estimate your monthly repayments and total interest over the life of the loan. Compare principal & interest vs. interest only.
With the First Home Guarantee, eligible buyers can purchase with as little as 5% of the property value without paying Lender's Mortgage Insurance. Without the guarantee, most lenders require 10–20% to avoid LMI.
LMI is a once-off insurance premium the bank charges when your deposit is below 20%. It protects the lender, not you — but you pay for it. It typically costs $10,000–$30,000+. Eligible first home buyers can avoid it via the First Home Guarantee.
In NSW, a $10,000 grant applies to new or substantially renovated homes valued up to $600,000. You must be an Australian citizen or permanent resident, have never previously owned a home, and intend to live in the property.
A mortgage broker compares products across multiple lenders including rates, features, and policies that banks don't advertise. Brokers are typically paid by the lender, so there is no cost to you.
Yes. Our APIG buyer's agents can search for properties, attend inspections, and negotiate on your behalf while CPL Finance manages your pre-approval — coordinated finance and property advice under one roof.
CPL Finance — First Home Buyer
Tell us a bit about what you need. One of our advisors will get back to you within one business day.
Sydney CBD Office
Phone Number
(02) 9261 0769Email Address
info@cplinternationalgroup.com.auSydney CBD Office
Level 2, Suite 203B, 309 Pitt Street, Sydney NSW 2000Hours
Mon–Fri, 9am–5pm
