So you’re ready to buy your first home. Congratulations! This is a very exciting time; however, it can also be very daunting. There’s so much to take into account, which is why you need guidance from reputable experts you can trust. That’s Defence Finance – ready to offer guidance you can count on every step of the way.

First Loan/Pre-Approval

This is probably the most nerve-racking part of the entire process. That’s why we want to make it easier for you. Our team of expert mortgage brokers is ready to connect you to sound advice, information and guidance. All we need is more information on your unique needs, after which we can source a range of lenders that align. From there, we can take care of all the hard work, so you don’t have to, leaving you to explore your home loan options.

We’ll help you understand the costs involved, secure pre-approval, determine your eligibility, and ultimately, fund the home of your dreams. The amount you will be able to borrow will be affected by numerous factors.


This is one of the biggest concerns for first time home buyers in Australia. How much should you put down? Is the full 20% necessary, or will your lender give you some leeway? Contrary to popular belief, 20% isn’t always a requirement. Many banks are more than willing to let you pay a far less deposit, sometimes as little as 5%. We can help you make this decision. Deposit aside, don’t forget to take other expenses into account such as legal costs, Stamp Duty, and potential Lender’s Mortgage Insurance (or LMI for short)

Let us Help

Buying a home for the first time can cause a lot of stress. With Defence Finance by your side, it doesn’t have to. Defence Finance fights for you. We have experience in not only lending, but also property development and sales. In other words, we can answer any questions you may have, while providing indispensable tips and tricks if you need them. Don’t hesitate to get in touch with us at any time – we’re armed and ready to help you fight your way through this seemingly daunting process. We can assist you in structuring a savings plan, assisting with all financial matters. With the right guidance, you can and will come out on the other side stronger than ever. That’s a promise.