YOUR NO-NONSENSE GUIDE TO BUYING YOUR FIRST HOME
BECAUSE EVERYONE DESERVES A STRAIGHT ANSWER ABOUT GETTING INTO THE PROPERTY MARKET
Let's be real - buying your first home feels like trying to solve a puzzle where everyone's holding different pieces of the map. The banks are saying one thing, your family's saying another, and that random person on TikTok is telling you to invest in crypto instead.
IS THIS GUIDE FOR YOU?
You're tired of paying someone else's mortgage
You think you might be ready to buy (but aren't sure)
You've been saving, but don't know if it's enough
You want straight answers, not sales pitches
You're overwhelmed by conflicting property advice
If you ticked any of these boxes, you're in the right place!
In the next 15 minutes, you'll discover your buying power (probably bigger than you think), how to skip years of saving (legally and safely), the shortcuts banks won't tell you about, and why you might be closer to buying than you realise.
CAN YOU ACTUALLY BUY?
Most first home buyers we work with had the ability to buy years before they thought they could. THE PROBLEM? NO ONE SHOWED THEM HOW.
Meet Emma, 24, who thought she'd be renting until she was 40. "I kept seeing house prices and thinking it was impossible," she tells us. Three months after our first chat, she was picking up keys to her own place in Brisbane's northside.
Here are some quick myths to bust:
Deposit: No, you don't always need 20%, you can go as low as 5% in some cases!
Income: It's not about how much you earn, it's about how you use it
Credit Score: In Home Lending, credit score is not the main consideration
THE NUMBERS THAT ACTUALLY MATTER
Bank borrowing calculators don't see the whole picture, but we do!

PRO TIP: Most successful first home buyers we work with start by understanding their actual position, not their assumed one. Let's find out where you stand.
Your income/employment
Yes, it counts, but it's not everything. Are you permanent or casual, do you salary sacrifice etc.
Your deposit
You will need to save at least 5% unless someone in your family owns a home and is willing to help
Your current commitments
HECS, Car Loans, Credit Cards, etc.
BORROWING POWER SECRETS
WHY YOUR INCOME ISN'T THE WHOLE STORY
Think of getting a home loan like solving a puzzle - each lender has different pieces that fit different people. As your mortgage broker, we don't just find you a loan; we match you with the perfect lender for your situation.
The Tale of Two Teachers
Even with the same income, two individuals can have vastly different borrowing capacities depending on how they structure their finances. Here's how we help:
Josh, 27
Earning $85,000
Borrowing Capacity: $650,000
Sarah, 27
Earning $85,000
Initial Borrowing Capacity: $620,000

After one strategy session: Sarah boosted her capacity by $100,000!
HOW WE BOOST YOUR BORROWING POWER
Sarah's case is a common one. Here are some of the "secrets" we use to help you maximise your borrowing capacity:
Debt Minimisation
We help you strategically reduce high-interest debts like credit cards and personal loans, or consolidate them, which significantly frees up your borrowing capacity.
Spending Analysis
By reviewing your spending habits, we identify areas where small adjustments can make a big difference, showing lenders you're a responsible borrower.
Lender Matching
Different banks calculate borrowing power differently. We know which lenders are more flexible for your specific situation, ensuring you get the best outcome.
Application Structuring
How your application is presented matters. We help you highlight your financial strengths and mitigate potential concerns for lenders.
FIRST HOME BUYER SUPPORT
Navigating the property market can be complex, but significant government support is available to make your dream home a reality.
First Home Owner Grant (FHOG)
A lump sum grant for eligible first home buyers purchasing new builds or substantially renovated homes.
Home Guarantee Scheme
Government-backed schemes that allow you to buy with a smaller deposit (as low as 5%) without paying Lenders Mortgage Insurance.
Stamp Duty Concessions
Many states offer reduced or even waived stamp duty for first home buyers, saving you thousands on your purchase.
First Home Super Saver Scheme (FHSS)
A powerful strategy for first home buyers still building their deposit, letting you save through super to reduce tax and boost your savings faster.
FIRST HOME BUYER SUPPORT
1
First Home Guarantee
  • Skip the massive 20% deposit
  • Government backs part of your loan
  • Get in sooner with a 5% deposit
  • No Lender's Mortgage Insurance (LMI)
2
Stamp Duty Concession
Think of it as the government's "processing fee" when property changes hands.
  • No stamp duty on homes for first home buyers. (Each state will have individual limits depending.)
  • Partial concessions available above this amount
  • Could save you thousands in upfront costs

QUICK EXAMPLE: On a $650,000 home: Regular buyer pays: $20,025 First home buyer pays: $0 Your savings: $20,025!
Unlocking First Home Buyer Benefits Across Australia
Here are some of the available grants and exemptions available in the major states. Your state will have a grant available for you. For more information, contact us.
Queensland
  • FHOG: Up to $30,000 for new homes.
  • Stamp Duty: Exempt under $700k, partial up to $800k for existing homes & unlimited for new homes.
New South Wales
  • FHOG: $10,000 for new homes/house+land.
  • Stamp Duty: Exempt under $800k, partial up to $1m.
  • Other: Shared Equity Scheme for eligible buyers.
Victoria
  • FHOG: $10,000 for new homes.
  • Stamp Duty: Exempt under $600k, partial up to $750k.
  • Other: Regional bonus incentives.
South Australia
  • FHOG: $15,000 for new homes (no value cap post-June 2024).
  • Stamp Duty: Relief for new homes under $650k.
Uncover the possibilities but remember, conditions and eligibility criteria apply to all schemes. Stay informed with the latest details for your specific state or territory.
HOW WE MAXIMISE YOUR SUCCESS
Strategic Lender Matching
  • We know which lenders love your profession
  • Access to 30+ lenders with different criteria
  • We handle ALL negotiations and paperwork for you
  • We present your application in the best possible light
Your Financial Foundation Checklist
  • We map out your real spending patterns
  • We optimize your savings strategy
  • We plan for future goals and lifestyle
  • We structure your finances for maximum borrowing power
The Deposit Reality Check
  • First home buyers can begin with just 5%
  • Expert guidance on available grants and schemes
  • Family support options explained
  • Strategic savings plan development
SUCCESS STORY: Lauren, 25, thought she needed $100,000 saved. After one strategy session, we found her a lender who approved her with just $35,000 down. Now she's building equity instead of paying rent.
YOUR FIRST HOME JOURNEY: A STEP-BY-STEP GUIDE
Getting your first home isn't just about the loan, it's about having the right team and strategy. As your mortgage broker, we'll not only secure your financing but connect you with our trusted network of property experts.
Strategic Property Selection
  • Define your must-haves
  • Realistic commute times
  • Essential property features
  • Future growth potential
Location Intelligence
  • High-growth potential areas
  • Upcoming infrastructure projects
  • Lifestyle-matching suburbs
  • Future development plans
Build Your Dream Team
  • Quality property solicitors
  • Buyer's agent (if applicable)
  • Reliable building inspectors
  • Trusted real estate agents

Success Story: Tom spent months scrolling listings before working with us. Within three weeks, we connected him with an off-market opportunity in an emerging suburb. Two years later, his property has gained 15% in value.
READY TO START YOUR HOME BUYING JOURNEY?
NO MORE WAITING AND WONDERING. LET'S TURN YOUR DREAM INTO A PLAN.
(Because scrolling Realestate.com at 2am isn't a strategy)
WHY I FIGHT THIS FIGHT
I used to be a banker. I saw first home buyers get overwhelmed every day. People who needed guidance but got lost in the system. Who deserved better.
That's why I started Raynor Lending Solutions. Because everyone needs someone in their corner.
- Jai Raynor, Founder of Raynor Lending Solutions
CREDIT REPRESENTATIVE NUMBER 563088 OF AUSTRALIAN CREDIT LICENCE NUMBER 384704

OH, AND DID I MENTION? All my services don't cost you a cent! (The banks pay me so you don't have to. Finally, something about banks that'll make you smile!)
GET YOUR FREE STRATEGY SESSION
CALL: 0433 967 807