Are you stuck paying someone else’s mortgage through rent while watching house prices climb month after month? Feeling overwhelmed by deposits, stamp duty, and loan requirements that seem designed to keep you renting forever? Maybe you’ve been told you “need 20% deposit” or “don’t earn enough” by a bank that spent 5 minutes looking at your application.
Thousands of Australians are buying their first home right now with as little as 5% deposit. The banks won’t tell you about all the first home buyer grants, schemes, and low-deposit options available because it’s easier to keep you paying rent than to do the work of finding you the right loan.
The good news? We specialise in turning first home buyer dreams into keys in your hand. From finding the right low-deposit loan to maximising your government grants, we’ll guide you through every step of the journey. Want to see what you could borrow right now? Try our borrowing calculator to get an instant estimate of your buying power.
Stop paying someone else’s mortgage. Let’s get you into your own home.
The banks are making first home buying harder than it needs to be. They’ll tell you to “save more” and “come back later” while you’re bleeding money on rent and watching prices rise faster than you can save.
At Trelos Finance, we’re experts at getting first home buyers approved when others can’t. We know exactly which lenders love first home buyers, which grants you qualify for, and how to structure your application for maximum approval chances. We’ve helped hundreds of first-time buyers go from “impossible” to “approved” – often with less deposit than they thought they needed.
Stop letting the banks gate-keep homeownership.
We’ll show you the path they don’t want you to know about.
Don't have 20%? No problem. We'll show you lenders who approve first home buyers with just 5% deposit, plus help you access schemes that could reduce your deposit to as little as 2% through government programs.
Are you missing out on thousands in first home buyer grants? We know every scheme available – from the First Home Owner Grant to shared equity programs – and we'll make sure you claim every dollar you're entitled to.
Get serious buying power before you start house hunting. Our pre-approval process gives you confidence at auctions and shows real estate agents you're a genuine buyer, not just another "maybe" looker.
Tired of watching perfect homes slip away while you "get your finances sorted"? We streamline the entire process so you can move from application to settlement
quickly, before someone else buys your dream
home.
When you work with Trelos Finance, you’re not just getting a loan – you’re getting a first home buyer specialist who knows exactly how to navigate the system in your favor.
We live and breathe first home buyer loans. While other brokers treat you like just another client, we understand the unique challenges first-time buyers face and have the specific expertise to overcome them.
We work with lenders who actually want first home buyer business – including those offering 5% deposits, waived LMI, and first home buyer-specific rates that aren't advertised to the general public.
From the First Home Owner Grant to the Home Guarantee Scheme, we'll identify every program you qualify for and handle all the paperwork so you don't miss out on thousands in available assistance.
Fast approvals
Transparent expert advice
SMSF-compliant lenders
No. In NSW you can buy with as little as 5% deposit, though you may need to pay LMI if under 20%.
In NSW, you may qualify for the First Home Owner Grant (FHOG) and/or the First Home Guarantee Scheme and/or stamp duty exemptions or concessions under the First Home Buyer Assistance Scheme. We’ll guide you through what applies in your case.
This depends on your income, expenses, and debts. We’ll assess your borrowing power under NSW lending guidelines and show you what’s realistic.
LMI adds to your upfront costs, but it can also help you buy sooner with a smaller deposit. We’ll help you weigh up whether it’s the right move for your situation.
There are lenders in NSW who cater to self-employed and irregular income borrowers. We’ll help find the right lender and loan product for your circumstances.
Every month you delay is another month of rent money that could be going toward your own mortgage. Property prices aren’t waiting for you to save that perfect 20% deposit, and neither should you.
Get started with our borrowing calculator to see your buying power in under 60 seconds, then let us show you exactly how much home you can afford and what government assistance you’re missing out on. Most first home buyers are amazed when they discover what’s actually possible with the right guidance.
Don’t wait for perfect conditions. They don’t exist. Let’s get you home.
Ready to Get Started?
Let us help you take the next step in your financial journey. Contact Trelos Finance today for a hassle-free consultation, and discover how we can secure the best mortgage for your needs.
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