20% deposit? Not required.
5% gets many buyers in, often without LMI.
First Home Buyer Loans
Work directly with Victor. 99.6% of our loans were approved in 2025.
No fee. No obligation.
5.0 Stars Based on 151 user reviews
Do you need a mortgage broker?
You might be wondering if you need a broker at all. Honest answer: if you're buying your first home in Queensland, having someone who does this every day usually saves you money, stress, and a few wrong turns.
A first home buyer mortgage broker compares loans across a panel of lenders, works out what you can actually borrow, and gets the paperwork right the first time, whether you're buying in Brisbane, the Gold Coast or the Sunshine Coast. We also explain the bits that catch first home buyers out. LVR (loan-to-value ratio), LMI (lenders mortgage insurance), and how an offset account changes the maths over the life of the loan.
In most cases it costs you nothing. We're paid by the lender when your loan settles, similar to how bank staff get paid. If a fee applies, we'll tell you upfront.
You deal directly with Victor Kalinowski, who has been broking loans since 2007. A small team handles the paperwork in the background. We compare 50+ lenders and operate under an Australian Credit Licence.
Brokers are free for most buyers.
The lender pays us at settlement.
Your bank isn't your only option.
We compare 50+ lenders to find the better deal.
Perfect credit isn't the goal.
Consistency is. Recent history counts more than old slip-ups.
Pre-approval isn't final approval.
Valuation and final checks still need to clear.
Grants And Schemes You May Qualify For
Queensland first home buyers have three main entitlements working in their favour. Used together, they can shift what you can afford by tens of thousands of dollars.
| Scheme | What You Get | Who Qualifies | Where To Check |
| First Home Owner Grant (QLD) | A one-off $15,000 grant towards a new build or off the plan under the cap | Australian citizens/PRs, first-time buyers, owner-occupiers buying new | Queensland Revenue Office |
| First Home Guarantee Scheme | Buy with a 5% deposit (plus buying costs), no LMI (government guarantees the rest) | First home buyers within income caps, limited places per year | Housing Australia |
| QLD Stamp Duty Concession | Reduced or zero transfer duty under the first home threshold | First home buyers moving in within 12 months, property under cap | Queensland Revenue Office |
Want the exact number for your purchase? Use our stamp duty calculator QLD to estimate your transfer duty in minutes. If you think you might qualify for something beyond the standard concession, see how to avoid stamp duty QLD.
How we get your first loan approved
Our Process
Seven calm steps from first call to keys in hand. Nothing rushed, nothing skipped.
Free 20-min call
You and Victor talk through your goal, your income and debts, your deposit, and your timeline. By the end, you'll know what's realistic to spend, which government grants apply, deposit amount needed a...
Document upload
You upload payslips, ID, bank statements, and any debt details through our secure online portal. If something's missing, we do the chasing. This is where most of the back-and-forth happens, which keep...
Credit assessment
We do a proper credit assessment before we approach any lender. The work you did to get Home Loan Ready and Victor's knowledge of credit policies sets you from the start. . We match your file to lende...
Compare 50+ lenders
We compare loans across more than fifty lenders, including the big four, second-tier banks, and specialist lenders. We look at rate, fees, offset features, and how the lender treats your specific inco...
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Testimonials
See what clients say about our service
5.0 Stars
Based on 151 user reviews
Rob & Laura
“Victor and the team went above and beyond to ensure we secured the property we wanted. They took the time to explain the steps involved during the buying process, their communication was excellent and knowledge of the market second to none. These guys were a pleasure to deal with and we would absolutely use again. Highly recommend.”
Dylan & Bree
“My fiancé and I are both self-employed and we were concerned about finding a lender who would cater to our situation. Thankfully, Victor and Christal made the entire financing process a breeze. They were extremely prompt with all communication, super professional, offered an enormous amount of industry knowledge, and most importantly, they helped us secure our family home...
Isabelle & Wayne
“Thank you Victor and the team you made our home loan journey a happy, stress free experience. We were updated at every step and Victor’s advice in the early stages was invaluable to us securing our loan. We need more community minded, person centred business’ like this. Would recommend Blackk Mortgage Brokers to anyone looking for genuine financial advice with no hidden agenda.”
Frequently Asked, Clearly Answered
Five things, mostly:
Income and expenses. Lenders want to see you can comfortably repay the loan, so they look at your salary plus what you spend each month with a focus on the last 3 months.
Deposit. Usually 5 to 20% of the property price. A bigger deposit opens up more loan options and can avoid LMI.
Existing debts. Personal loans, car loans, and credit card limits all count, even if the cards are empty.
Credit history. It doesn't need to be perfect. Lenders want to see you've paid off debts consistently.
Employment stability. Time in your current job, or a steady self-employed income, both work.
If you're not sure where you stand, that's exactly what the free 20-minute call is for.
For most first home buyers in QLD, 5% saved (plus additional 2 to 3% for buying costs) is enough to start the conversation. Under the First Home Guarantee Scheme, that 5% can get you in without paying LMI. A 10 to 20% deposit gives you access to more lenders and sharper rates, but it's not the only path. More than 20% gets you in with No LMI.
Nothing, in almost all cases. The lender pays us a commission when your loan settles. One exception. If your situation is genuinely complex and takes significantly more time. We'll tell you upfront if it applies.
More than fifty. That includes the big four, second-tier banks, credit unions, and specialist lenders for self-employed or low-deposit buyers.
99.6% of the loans we submitted in 2025 were approved. That's for two reasons. One is because we get you Home Loan Ready which is a strategy to clean up/optimise your case so banks approve it first time. Second is Victor’s bank credit policy knowledge so he knows what lenders and products work for each client.
It depends on how quickly you find a property. The loan side typically runs four to six weeks from full application to settlement, sometimes faster. Can be done in less if you’re organised.
Yes, under the First Home Guarantee Scheme, if you fit the eligibility criteria. We check both on the call and explain it to you.
The First Home Owner Grant for new builds and off the plan purchases, the First Home Guarantee Scheme for low-deposit purchases, and the QLD stamp duty concession. For more detail, see our deeper guide to first home buyer loans in QLD.
Work with Victor, Queensland's expert in home loan approvals
He’s here to guide you personally through every step, making sure your loan gets approved smoothly and stress-free.
