At SaaN Home Loans, we help first home buyers across Australia step confidently onto the property ladder. With access to the Australian Government's Home Guarantee Scheme, you could buy your first home with just a 5% deposit — and pay zero Lenders Mortgage Insurance. We do the heavy lifting so you can focus on finding the home you love.
We do the heavy lifting so you can focus on finding the home you love.
Regional First Home Buyer Guarantee
Purchasing in regional Australia? Same 5% deposit benefit, no LMI. Up to 10,000 places per year.
5% Deposit | No LMI Required
Buy your first home with a 5% deposit and no LMI. Up to 35,000 places available each financial year.
Family Home Guarantee
For single parents and single legal guardians. Buy with just a 2% deposit and no LMI. Up to 5,000 places per year.
Service Benefits
Our approach is built on clear communication and personalized support. We believe every first home buyer deserves expert guidance without the confusion, and we're here to make that happen for you.
Understand your eligibility for First Home Owner Grants, stamp duty concessions, and government schemes that can save you thousands.
Get clear explanations of loan options, interest rates, and repayment structures tailored to your financial situation and goals.
We compare loans across multiple banks and lenders to find you the most competitive rates and favorable terms available.
Frequently Asked Questions (FAQs)
- Am I eligible for government grants?
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Eligibility for First Home Owner Grants and stamp duty concessions varies by state and depends on factors like property value, whether it's new or established, and your residency status. We'll assess your situation and help you understand exactly what you qualify for.
- How much deposit do I need?
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Most lenders require a minimum 5-20% deposit. The larger your deposit, the better your loan terms typically are. We'll explain your options, including Lenders Mortgage Insurance (LMI) if you have less than 20%, and help you create a deposit strategy.
- What can I actually afford?
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We assess your income, expenses, and financial commitments to calculate your genuine borrowing capacity. We'll show you what you can borrow and, more importantly, what you can comfortably repay while maintaining your lifestyle.
Step 1: The Strategy Session (Kick-Off)
- What happens: A 30-minute deep dive into your goals.
- Key focus: We identify your "Professional Tier" to unlock exclusive benefits
like LMI Waivers or Discounted Interest Rates.
- Your Action: Secure your session via our Online Booking Portal.
Step 2: The Digital Vault (Document Collection)
To move fast, we need a clean "Credit File." Use our secure portal to upload your essentials:
Step 3: The Blueprint (Pre-Approval)
- What happens: We compare over 5 lenders (Major Banks & Specialists) to find
the sharpest professional package.
- The Result: Pre-Approval (valid for 90 days), giving you the green light to bid with confidence.
Step 4: The Green Light (Formal Approval)
- What happens: Once you’ve found a property, we order the valuation and submit for "Unconditional Approval".
- Tech-Driven: Sign your loan offer digitally via secure e-signature platforms.
Step 5: The Handover (Settlement)
- What happens: We coordinate with your solicitor and the bank to manage the transfer of funds via PEXA.
- The Result: Settlement is complete—you get your keys!
Step 6: The Watchdog (Post-Settlement)
Our Promise: Your loan isn’t "set and forget." We provide ongoing services such as Annual Rate Reviews. We keep an eye on property growth to ensure another investment. Regular updates on current property market.
