ATT: first-time property INVESTORS!
This Could Be Your Last Chance To Buy Property
Imagine looking back in 10 years and realizing that you could have started today.
Too often we hear about people missing out on buying property. Not our clients.
CLICK BELOW TO WATCH FIRST!
Start Your Finance Journey.
We help first-time investors secure finance for brand new properties from start to finish.
The Process
Stage 1
Discovery Call
Stage 2
Strategy Session
Stage 3
Loan Structuring
Lender Selection
Lodgement
Stage 4
Approval Process
Pre Settlement Requirements
Stage 5
Settlement
Stage 6
Ongoing Portfolio Management
What others are saying
We help first-time investors secure finance for brand new properties from start to finish.
We help clients navigate:
First home purchases
Investment property finance
Construction loans
Refinancing & equity strategies
Knockdown rebuild lending
With access to a wide range of lenders, we structure finance solutions tailored to your goals—not just what the banks offer.
That's where we step in.
Why Clients Choose Us:
Unlike other Brokers - We have a direct relationship with our Partners at Carvera Proeprty whom specialise in New Builds for Investment Properties located in Melbourne.
Guidance tailored for first home buyers and new investors
Support from application through to settlement
Help understanding grants, schemes, and borrowing power
Simple, transparent advice without the jargon
Buying Your First Property Can Feel Overwhelming
Between loan options, deposits, grants, approvals, and endless advice online,
it’s easy to feel unsure about where to start.
That’s where we come in.
We simplify the process, explain your options clearly,
and help you secure the right loan for your goals —
whether you're buying your first home or building your
first investment portfolio with a brand new property.
Property Ownership Doesn’t Have To Feel Out Of Reach
Whether you're dreaming of your first home or wanting to start investing,
having the right finance strategy can make all the difference.
Our goal is to make the process clear, achievable, and exciting — not confusing.
STILL NOT SURE?
Frequently Asked Questions
Here's what we usually get asked
How does the process work with Situate Finance?
We start with a strategy session to understand your goals, finances, and timeline. From there, we assess your borrowing capacity, recommend suitable lenders, and manage the entire application through to approval and settlement.
How much can I borrow as a first home buyer or investor?
Your borrowing capacity depends on your income, expenses, debts, and deposit. We’ll give you a clear, realistic range so you can confidently plan your next move.
Can you help first-time investors get started?
Yes. We guide first-time investors through the entire process—from structuring their first purchase to understanding lending strategies that support long-term portfolio growth.
What grants or schemes can I access as a first home buyer?
Depending on your situation, you may be eligible for government incentives such as the First Home Owner Grant or stamp duty concessions. We’ll guide you through what applies and how to maximise these benefits.
How long does pre-approval take?
Pre-approvals typically take a few days to a couple of weeks, depending on the lender and your situation. We prioritise lenders that align with both your goals and timeframe.
Can you help if I’m self-employed?
Yes. We work with lenders who specialise in self-employed clients and can guide you on how to present your income correctly for approval.
Do you only help with buying property?
No. We also assist with refinancing, equity release, and restructuring your loan as your financial position grows—especially important for first-time investors building a portfolio.
What support do I get after my loan is approved?
Our support doesn’t stop at approval. We stay involved post-settlement to ensure your loan remains competitive and aligned with your long-term goals.
When should I speak to a broker?
As early as possible. Whether you’re 3 months or 12 months away from buying, early planning puts you in a stronger position when the right opportunity comes up.
How much deposit do I need?
The amount required depends on your situation, the lender, and the type of property you're purchasing. We’ll help you understand your options and what may be available to you.
How do I know if qualify as a first home buyer?
Eligibility depends on factors like your residency status, income, and whether you’ve owned property before. We can help determine which grants or schemes you may qualify for.
Why buy a brand new property?
Brand new properties can offer benefits such as lower maintenance costs, potential tax advantages for investors, and access to certain government incentives.
Do you charge broker fees?
At Situate Finance we charge a once off nominal fee of $385 (including GST) to ensure that we can provide a premium service to all of clients regardless of loan size. Unlike other brokers, our business strategy is aimed at being trusted financial advisors to our clients – Not simply to lodging home loan applications to get the maximum borrowing capacity.
Therefore, this fee secures your place to work with us and covers your initial strategy, lender research, and application preparation. It ensures we dedicate the time and resources to individually tailor your loan correctly, right from the start.
How else do you get paid?
As a broker our services get paid directly from the lender after settlement.
Situate Finance was founded to help OUR clients make confident financial decisions with clear sOUND advice, expert guidance, and ongoing support at every stage of Your financE journey.
Securing finance shouldn’t feel transactional.
With over two decades of combined experience, we help first home buyers, investors, and business owners structure finance strategies that actually align with their goals.
At Situate Finance, we focus on helping you move forward with confidence.
