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Personal Service

First Home
Buyer

You’ve found the one. Now let’s make it yours.

You’ve spent weekends at open inspections. You’ve refreshed realestate.com.au more times than you’d like to admit. And then it happens – you walk into a place and just know. The last thing you want in that moment is to hesitate because you’re not sure about the finance. That’s exactly where we come in.

What we do

We do the hard work. You focus on the exciting part.

Getting your first home loan isn’t just about finding the lowest rate – it’s about finding the right loan for your situation, understanding what you can actually borrow, and having someone in your corner who knows the process inside out.
As a broker, we’re not tied to any one lender. We search across hundreds of home loan products to find the one that fits you – your deposit, your income, your plans. Then we handle the paperwork, manage the process, and keep you across every step until you’re handed the keys.

What we’ll cover

Everything you need to know. We’ll walk you through it.

First home buying comes with a lot of moving parts. Here’s what we’ll help you get across:

How much you can borrow

Before you fall in love with a property that’s out of reach, we’ll work out your borrowing power and give you a realistic price range to work with.

Saving for your deposit

We’ll look at where you’re at and help you understand how much you actually need, including what counts as a genuine savings and what doesn’t.

The First Home Owner Grant

If you’re eligible, the SA First Home Owner Grant could put up to $15,000 towards your purchase or build. We’ll let you know if you qualify and help you access it.

The 5% Deposit Scheme

Eligible first home buyers can purchase with as little as a 5% deposit without paying Lenders Mortgage Insurance. Places are limited each financial year, so it’s worth understanding early whether this is an option for you.

Stamp duty concessions

First home buyers in SA may be eligible for stamp duty relief. We’ll make sure you’re not paying more than you need to.

Conditional pre-approval

Getting pre-approved before you start seriously inspecting gives you confidence at open homes and puts you in a stronger position when you find the right place.

Fixed vs variable rates

What the difference means in practice, which suits your situation, and what to watch out for with each.

Offset accounts and redraw

Two features that can save you significant money over the life of your loan. We’ll explain how they work and whether they’re worth having.

LMI and what it means for your deposit

If you’re borrowing more than 80% of a property’s value, Lenders Mortgage Insurance usually applies. We’ll explain when it makes sense to pay it and when it doesn’t.

Guarantor options

If a family member is willing to help, a guarantor arrangement could get you into the market sooner. We’ll walk through how it works and what it means for everyone involved.

Building vs buying

If you’re considering building new, there are different loan structures, grant eligibility rules, and timelines to think about. We’ll make sure you understand the difference before you decide.

Download our First Home Owners guide here. We cover the first steps to take before purchasing a home, look into the varied options available and why using a mortgage broker is the smart choice.

Looking for more? Check out our handy factsheets for Fixed vs Variable Rates and Interest Rate Rises.

Services

Personal.

First Home Buyer

Buying your first home doesn’t need to be daunting. We’ll guide you through the entire process, so that you can collect the keys with confidence.

Property Investment Lending

Finance the expansion of your property investment portfolio with the right loan and advice. It’s easier than you think.

Home Renovations Lending

Funding a home renovation can be daunting. Let us help you secure a loan that will help you fund the renovation of your dream home.

Construction Loans

Construction loans can help you transform your home, literally. Talk to one of our brokers and we’ll find a loan that’s right for you.

Vehicle Loans

In need of a vehicle upgrade? We’ll compare thousands of different loans so that you can drive off sooner than you think.

Refinance

Things change, so do loans. If you want to get more out of your home loan through refinancing, contact us today.

Booking Form

Book a personal consultation.

Why a broker?

Why use a broker instead of going straight to a bank?

When you go to a bank, you see one set of products. When you come to Oracle, you see the market.

We compare home loans across a wide panel of lenders – major banks, smaller lenders, and specialists – and find the one that actually suits your situation. First home buyers are often surprised by what’s available once someone takes the time to look properly.

We also know what lenders want to see in an application. A well-prepared application in front of the right lender gives you a much better chance of approval – and a better chance of a rate you’re happy with.

And once you’re approved, we don’t disappear. We stay across the process right through to settlement, and we’re always a phone call away if something comes up.

Our Mission

Working
with you.

Our experienced team of finance brokers have a wealth of knowledge to identify and implement the ideal financial solution for you. We prioritise working with you to achieve your business and personal financial goals for today and the future.

Meet the team
oracle
SA specific

Based in Adelaide. Investing everywhere.

If you’re buying your first home in Adelaide or anywhere in SA, there are state-specific grants and concessions worth knowing about.

The SA First Home Owner Grant currently offers eligible buyers up to $15,000 when purchasing or building a new home. It’s not automatic – there are eligibility criteria and an application process – but for those who qualify, it’s a meaningful contribution to your costs.

Stamp duty concessions are also available for eligible first home buyers in SA, which can save you thousands on top of the grant.

We know the SA market well. We understand local property trends, which suburbs are moving, and what lenders think of different areas and property types. That local knowledge makes a difference when you’re making the biggest financial decision of your life.

The process

How it works.

It starts with a conversation. Tell us where you’re at – how much you’ve saved, what you’re looking to spend, whether you want to buy or build – and we’ll take it from there.

We’ll work out your borrowing power, explain your options, and get you to conditional pre-approval so you can start inspecting with confidence. When you find the right place, we’ll manage the full application, liaise with the lender, and keep you informed right through to settlement.

First home buying can feel overwhelming from the outside. Once you’re in it with the right people, it really isn’t.

Testimonials

What our
clients say.

We worked with Angelo from Oracle for the purchases of our businesses and investment properties. The level of personalized care, attention to detail, and professionalism demonstrated by Angelo and his team surpassed our expectations. As owners of small businesses, we appreciated the honesty, transparency, and especially the warm compassion throughout the whole mortgage process. We highly recommend Angelo and his team to all our professional colleagues, and thank him immensely for all his help so far.

Le Anh

From the time I first met with Jaidan who developed a plan for me and answered all my questions, who was there for me when I thought I was stuck and answered all my calls, either driving in his car on the way to an important meeting or after hours with a crying baby in his arms - thank you so much Jaidan - you are a gun! And Isabelle who cheerfully and effortlessly handled all my queries, handled the paper work and helped me RE concerns on the late contract and helped with the FHLDS paper work. Thank you so much!

Richard

I highly recommend Jaidan Ianni from Oracle. He worked very hard on my behalf to make my life long dream come true. Thanks to Jaidan my home is being built as I write. Jaidan diligently explained each process to me every step of the way. He was always available to speak to , and on the rare occasion he wasn't available he got back to me promptly. I really enjoyed working with Jaidan due to his friendly and caring nature. And I look forward to working with Jaidan in the future .

Sonia

Jaidan's integrity is what stands out the most. He is a listener, he asks the right questions and offers appropriate advice. His support and guidance through processing our financial needs, from beginning to end is the highest professional quality anyone could expect. Jaidan is well mannered, approachable, knowledgeable and willing to support our financial needs and I couldn't recommend his services more highly. I feel safe in the knowledge I am in good hands.

Jay

Jaidan was very professional from first communication right until the end. Jaidan always went over and above to ensure I was being looked after and knew what was going on. Jaidan is very knowledgeable and is able to cater to any circumstance. Being my first loan, I thought this experience would be very daunting and was unsure about the whole process prior to speaking with Jaidan. Jaidan made the whole experience a breeze, I would highly recommend Jaidan for any finance services.

Brodie

FAQs

How much deposit do I need to buy my first home?

The standard requirement is 20% to avoid Lenders Mortgage Insurance, but there are pathways to get in with less. The government’s 5% Deposit Scheme allows eligible buyers to purchase with just 5% and no LMI. A guarantor arrangement is another option. We’ll help you figure out the most realistic path based on where you’re at.

What is the First Home Owner Grant in SA?

The SA First Home Owner Grant is a one-off payment of up to $15,000 for eligible first home buyers purchasing or building a new home. There are eligibility criteria around the value of the property and your personal circumstances. We’ll confirm whether you qualify and help you apply.

Do first home buyers pay stamp duty in SA?

It depends on the value of the property and whether you’re buying an established home or building new. Concessions are available for eligible first home buyers. We’ll make sure you understand exactly what applies to your purchase before you proceed.

What is conditional pre-approval and do I need it?

Conditional pre-approval is a lender’s indication of how much they’re willing to lend you, subject to the property and final checks. It’s not mandatory, but it’s genuinely useful – it tells you what you can spend, gives you confidence at inspections, and shows vendors you’re serious. We’d always recommend getting it sorted before you start seriously looking.

Should I fix or go variable on my first home loan?

Honestly, it depends on your situation and what’s happening with interest rates at the time. Fixed gives you certainty on repayments. Variable gives you flexibility – extra repayments, redraw, offset accounts. Most people end up with a split. We’ll talk you through what makes sense for your circumstances.

How long does the home loan process take?

From initial conversation to unconditional approval, it typically takes two to four weeks, depending on the lender and how quickly documents can be gathered. We’ll set realistic expectations from the start and keep the process moving.

Can I use a broker if I’ve already found a property?

Absolutely – it’s never too late to get us involved. Even if you’ve already found a place and have an offer accepted, we can still search the market, help structure your application, and get you a better outcome than going direct.

Let’s grab a coffee. 📞 08 8151 0400 ✉️ hello@oraclelend.com.au

Calculators

First Home Buyer
Calculators.

Borrowing Power Calculator

See how much you could borrow for your first home based on your income, expenses and existing commitments.

Loan Repayment Calculator

Work out your estimated repayments and see what your first home loan could cost you each month.

Other Calculators

More tools to help you plan your first purchase, from upfront costs to saving your deposit.

Stamp Duty Calculator
Savings Goal Calculator
Property Buying Cost Calculator