First home buyers
Buy your first home without giving up the life you love.
You've worked hard to get to a point where you can enjoy life. Buying a home shouldn't mean 30 years of saying no to holidays, dinners out and weekends away. We'll help you work out a budget that gets you into a home you love, with repayments that still leave room to live.
- Know the repayment you're comfortable with, not just what a bank will lend
- Check which first home grants and schemes you may qualify for
- Guided from pre-approval to getting the keys
Recognised as one of Australia's best brokerages in 2026
Buying your first home is meant to feel exciting. Lately it just feels heavy.
Owning your home and enjoying your life shouldn't be an either/or. It starts with knowing your real numbers, and choosing a budget that fits the life you want, not just the maximum a bank will lend.
Your own place, and still the life you enjoy.
We help first home buyers go from "what if we can't afford to live?" to "we know exactly what this looks like".
A budget that leaves room to live
We look at what the repayments mean for your everyday life, so you can choose a price range you're genuinely comfortable with.
Every dollar of help you're entitled to
We check the first home grants, stamp duty concessions and low deposit schemes you may be eligible for in your state.
Confidence when you find the one
With pre-approval sorted and your numbers clear, you can make an offer without that sinking feeling.
Everything you need to know, in plain English.
Here's what we'll cover with you, so nothing catches you off guard.
Book my first home strategy call →- Your comfortable repayment. Not just your maximum borrowing power, but what a repayment would actually feel like next to your rent, savings and lifestyle today.
- Room for life to change. Planning for things like kids, parental leave or going part-time, so your home still works if life does.
- Deposit options. Whether a 5% deposit through a government scheme, a family guarantee, or saving a little longer is the right move for you.
- The full upfront cost. Stamp duty, legal and settlement fees, inspections and moving costs, all mapped out before you start looking.
- Pre-approval to settlement. We find the right lender out of 70+, handle the application and keep everyone in sync until you get the keys.
Three steps, and we do the heavy lifting.
Book a 30 minute call
Tell us where you're at, whether you're just starting to save or already going to open homes.
Get your plan
We'll show you what you can borrow, what's comfortable, the help you may qualify for and the steps to get there.
Get the keys
We sort pre-approval, find the right lender and manage everything through to settlement.
Hi, I'm Daniel Berti, Principal of Berti Financial Group.
Buying your first home is a big deal, and I love helping people get there. Most first home buyers I speak with earn good money. What worries them is buying a home and then having nothing left to enjoy it with.
We'll go through your situation together, answer every question (there are no silly ones), and build a plan that gets you into your own place without giving up the life you've built.
Brokerage of the Year, Australian Mortgage Awards 2026 · Top Brokerage, MPA 2026 · Fast Brokerage, Australian Broker 2026
Offices in Alexandria, St George, Sutherland and Wollongong. We work with clients right across Australia by phone and video.
First home buyers who now have the keys.
“Being first home buyers, there was a lot we didn’t know going into the process, but from day one Daniel made everything simple and easy to understand. … We always knew where things were at and what needed to happen next, which took a huge amount of stress out of the whole process.”
“She was so caring and would never recommend anything that would cause any financial constraints for us. We always felt that she had our best interests at heart and that we were in safe hands. … We are so grateful to Loreta for helping make our dream of owning our first home a reality.”
“As this was our first home, we had a lot of questions that she patiently answered throughout the process. We were also using the first home buyer scheme and that added a layer of complication. However, we felt very comfortable because it was clear that Loreta was deeply knowledgeable about the scheme …”
Things people usually ask us first.
How do I know what repayment is comfortable, not just what I can borrow?
A bank's maximum isn't the same as what feels comfortable. On the call we'll look at your income, spending and plans, and show you what different price ranges would mean each month.
How much deposit do I need?
It depends on the lender, the property and the schemes you qualify for. Some first home buyers can purchase with as little as 5% through government schemes. We'll check your options on the call.
What if we want kids or to go part-time later?
It's worth planning for now. We'll talk through how a change in income could affect your repayments, so you can choose a budget that leaves room for it.
Does it cost me anything to use a broker?
In most cases, no. We're usually paid a commission by the lender when your loan settles, and we'll explain exactly how before you go ahead.
I'm not ready to buy yet. Should I still book?
Yes. Knowing your numbers early helps you save with a clear target, and you'll avoid surprises later.
Find out what you can buy and still enjoy your life.
Choose a time below for a free 30 minute first home strategy call. You'll walk away with clear numbers, a comfortable budget and a next step.
- Work out what you could borrow, and what repayments would actually feel like each month
- Find a budget that still leaves room for the life you enjoy
- Check whether you may qualify for government schemes, including low deposit options
- Map out the full upfront costs, not just the deposit
Prefer to talk now? Call 1300 421 587, 8.30am to 5.30pm AEST, Monday to Friday, or text Daniel on 0402 503 739.