Buying your first home
Successfully buy your first home with our guidance and home loan expertise.
Once you’ve decided to buy your first home, you’ll find a few roadblocks standing between you and that home. That’s why many first home buyers choose us to guide them through to a successful outcome. We’ll make your home loan experience simple and effortless.
With our long term relationships with most lenders and our finance expertise, we’ll find you the right home loan.
We’ll ask about your budget and lifestyle, as well as understand your future plans to make sure your home loan works for you today and down the track.
Best of all, we don’t charge you a fee to use our service as we are paid by the lender when your home loan settles.
That means our focus is solely on finding you a competitive home loan that’s the right fit for you.
Myth busting
You don’t need:
A 20% deposit to buy your first home
To be in your job for 12 months
To have paid off all your debts to get your first home loan
To build a brand new home to be a first home buyer
To have rented a house from a real estate agent to get a home loan
First Home Buyers Guide
Our clear and helpful process to buying a property successfully
Download the step by step map below.
We discuss everything you need to know, like how much deposit you need and if you can get the first home buyers’ rebate. It’s important to look at your expenses to understand what you can afford to repay and where you might be able to cut back. We’ll look at your borrowing power so you know what home price brackets to look at. Most first home buyers can buy with 5% deposit.
Once you’ve found the home you want, you’ll negotiate back and forth with the real estate agent on price and conditions until you and the seller are happy to sign the contract of sale. You’ll need to pay a refundable deposit, usually $1,000, to the real estate agent to secure your offer as soon as you sign.
We’ll handle the entire process of applying for your home loan. Complete our simple online Fact Find and upload your paperwork so we can research the right home loans for you.
We’ll meet face to face to discuss our research and your home loan options. Understanding your home loan is crucial so we’ll take the time to explain the interest rate and fees, offset account and how to manage your money. Once you’ve signed the application, we’ll handle all the fine print so you can relax knowing your loan will be approved.
Hooray, that home is almost yours! Your solicitor and the bank will arrange settlement on your behalf. Settlement is where you make your final payments of the contract price and take legal possession of your home. We’ll let you know when your first home loan repayment is due. Get ready to pick up your keys and move in.
Download this simple step by step guide to buying your first home.
What our clients have to say
Victor and his team have been helping my wife and I for around 7 years. He impressed us from the start by flying up to Rockhampton to meet us and help to structure our loans and lending so that we could buy our dream block of land. The service continued throughout the years with Victor always approachable, friendly and willing to go the extra mile for his clients. An example of this is Victor meeting us at the airport at around 9pm at night so we could get all the documents signed to allow us to settle a property ASAP. The great thing about Victor and his team is that you don't just become a number and fade into the background after a few years. Victor always returns phone calls and has your information to hand when talking to his clients. We are now in our dream home and Victor is still helping us get the best deal possible in regards to lending, combined with great advice on how to structure the loans to get the most out of every dollar. So if you want great service and honest advice then Victor and the team at Blackk are the people for you.
Shane A.
21:16 19 Mar 19
Victor and his team have been helping my wife and I for around 7 years. He impressed us from the start by flying up to Rockhampton to meet us and help to structure our loans and lending so that we could buy our dream block of land. The service continued throughout the years with Victor always approachable, friendly and willing to go the extra mile for his clients. An example of this is Victor meeting us at the airport at around 9pm at night so we could get all the documents signed to allow us to settle a property ASAP. The great thing about Victor and his team is that you don't just become a number and fade into the background after a few years. Victor always returns phone calls and has your information to hand when talking to his clients. We are now in our dream home and Victor is still helping us get the best deal possible in regards to lending, combined with great advice on how to structure the loans to get the most out of every dollar. So if you want great service and honest advice then Victor and the team at Blackk are the people for you.
Shane A.
21:00 19 Mar 19
Victor was very helpful from the day we contacted him just to get general information about buying a house. He is very knowledgeable and was always very patient answering all our questions. Victor and his amazing team provided support along the way and after we purchased our house. I would definitely recommend Blackk Finance to all my friends and family!!
Helena S.
09:35 14 Feb 19
As 1st home buyers Victor made our life easy by telling us exactly what we had to do to buy a house.... We followed his guidelines and magic happened.... Amazing service !!!!!!!!
Brigida E Richard S.
00:33 04 Feb 19
Thanks to Mrs Rose Mary for granting me a loan of $55,000 now my bills are fully settled. Contact her for a legit loan today via email:[email protected] .com Or you can whatsapp her via:+1(213)985_0713
Phyco S.
09:28 03 Feb 19
My wife and I were looking for a broker after seeing the house we thought it was perfect for us. The right size, price and even street! So we found Blackk Finance when researching online and went to meet Victor. See, we were not just first home buyers but we also had no idea about how mortgages work. To top that, I’ve just started working as self-employed photographer and financial institutions don’t exactly love that.After reviewing our situation, Victor said we could try it but it would be complicated so we went ahead and made an offer for the property. A few days later our solicitor (who’s amazing and was Victor’s recommendation) had contracts signed and everything was ready and perfect for us to apply for the loan. Victor has lots of contacts and sadly when it was time for us to apply, a little situation started in Australia and the banks got spooked. So there we were, contract signed, first deposit paid, building inspections done and so on, and the banks saying no before we could even apply for a loan - and Victor trying every single magic spell mankind has ever heard of (and some probably only he knows).Day in, day out, Victor tried EVERYTHING. In the end, there was a chance and we decided to go for it, only to see it declined by the banks. While my wife and I were frustrated and sad, Victor has never for a second given up. And for that we are forever thankful. Mind you, this was all happening in the lead up to Christmas and New Years.And this was the 5 star review we were writing even though we didn’t succeed - which was entirely our fault - to Victor Kalinowski, first of his name, wizard of Oz finance and brave restless knight.Anyone could have given up on us and it would be completely understandable. We were a very difficult case and it was a lot of work to even try getting us a loan. Most brokers would probably say “sorry, can’t help, come back in a year when you do this, this and that”, but not him. Instead he was honest and open about our chances and the work it could take, to get everything ready and still receive a no for an answer. And that’s exactly what happened: after trying everything, we accepted the fact we were not buying this house, this time.But then something changed in our situation, a little thing, and I called Victor to tell him. With the same excitement he said that would change everything and we should try. At this stage, time was really against us. For a whole week Victor worked hard to get things done in time.And here we are now, packing our stuff to get ready to move in to our new home.Victor, we cannot thank you enough, I couldn’t just write a review saying “yes he’s the best broker in town” because without explaining what we all went through together, it would be hard to make people understand how much you care and work hard. We know you could have spent your time working with easier clients and yet you haven’t stopped for a second.Thank you thank you thank you,(and Debbie)Bruno and Roberta (and Helga)
Bruno D.
07:46 15 Jan 19
My wife and I were looking for a broker after seeing the house we thought it was perfect for us. The right size, price and even street! So we found Blackk Finance when researching online and went to meet Victor. See, we were not just first home buyers but we also had no idea about how mortgages work. To top that, I’ve just started working as self-employed photographer and financial institutions don’t exactly love that.After reviewing our situation, Victor said we could try it but it would be complicated so we went ahead and made an offer for the property. A few days later our solicitor (who’s amazing and was Victor’s recommendation) had contracts signed and everything was ready and perfect for us to apply for the loan. Victor has lots of contacts and sadly when it was time for us to apply, a little situation started in Australia and the banks got spooked. So there we were, contract signed, first deposit paid, building inspections done and so on, and the banks saying no before we could even apply for a loan - and Victor trying every single magic spell mankind has ever heard of (and some probably only he knows).Day in, day out, Victor tried EVERYTHING. In the end, there was a chance and we decided to go for it, only to see it declined by the banks. While my wife and I were frustrated and sad, Victor has never for a second given up. And for that we are forever thankful. Mind you, this was all happening in the lead up to Christmas and New Years.And this was the 5 star review we were writing even though we didn’t succeed - which was entirely our fault - to Victor Kalinowski, first of his name, wizard of Oz finance and brave restless knight.Anyone could have given up on us and it would be completely understandable. We were a very difficult case and it was a lot of work to even try getting us a loan. Most brokers would probably say “sorry, can’t help, come back in a year when you do this, this and that”, but not him. Instead he was honest and open about our chances and the work it could take, to get everything ready and still receive a no for an answer. And that’s exactly what happened: after trying everything, we accepted the fact we were not buying this house, this time.But then something changed in our situation, a little thing, and I called Victor to tell him. With the same excitement he said that would change everything and we should try. At this stage, time was really against us. For a whole week Victor worked hard to get things done in time.And here we are now, packing our stuff to get ready to move in to our new home.Victor, we cannot thank you enough, I couldn’t just write a review saying “yes he’s the best broker in town” because without explaining what we all went through together, it would be hard to make people understand how much you care and work hard. We know you could have spent your time working with easier clients and yet you haven’t stopped for a second.Thank you thank you thank you,(and Debbie)Bruno and Roberta (and Helga)
Bruno Spotorno D.
07:46 15 Jan 19
My partner and I had been recommended by friends to contact Victor at Blackk Finance for the purchase of our first home. From the initial meet and greet late one evening to the actual purchase / finance of our property the positive experience continued.Victor was more than happy to talk us through all aspects and options available to us, this included understanding our personal circumstances and always maintaining options that would have our best interests first.The process was simple, convenient and we could not meet someone more willing to help and answer questions, giving confidence at every step along the way.We could not recommend Victor and the team enough and without questions would use them again for any future finance requirements.Thank you again for all your assistance and support!Brent & Shoko
Brent M.
12:50 06 Jan 19
My partner and I had been recommended by friends to contact Victor at Blackk Finance for the purchase of our first home. From the initial meet and greet late one evening to the actual purchase / finance of our property the positive experience continued.Victor was more than happy to talk us through all aspects and options available to us, this included understanding our personal circumstances and always maintaining options that would have our best interests first.The process was simple, convenient and we could not meet someone more willing to help and answer questions, giving confidence at every step along the way.We could not recommend Victor and the team enough and without questions would use them again for any future finance requirements.Thank you again for all your assistance and support!Brent & Shoko
Brent M.
12:48 06 Jan 19
MERRY CHRISTMAS AND HAPPY NEW YEAR TO YOU AND YOUR FAMILYIf you must contact any company with reference to obtain an online loan with a low interest rate of 2% and better payment plans / plans, please contact Mrs Debbie for your loan today . I want to use this medium to express my gratitude to Mrs Debbie private online loan service for fulfilling her promise by granting me a loan, I was stuck in a financial situation and needed to refinance and pay my bills, as well as start a business. I tried to seek loans from several loan companies from both private and corporate organizations but I never succeeded and most of the banks rejected my loan application untill a friend introduced me to Mrs Debbie, she is a honest, kind, and serious person and will help you with a loan without any miss of delay . So if interested contact her on: [email protected] or whatsapp on :+1 518 504 9308 for more info
Mohim B.
13:05 04 Jan 19
I would give Blackk Finance 10 stars if I could. Victor & Debbie were simply amazing!! I personally found purchasing our first home a bit scary but Victor coached us through the whole process and always managed to reassure me. He never seemed annoyed at my endless questions & was very well prepared for everything we threw at him.Thank you for not giving up on us. I know it took us a while but now thanks to you we will be enjoying Christmas poolside in our new home!! We will definitely recommend your services to all our friends and will be back the next time we’re in the market for a new home. 🙂
Christina H.
22:32 20 Dec 18
Victor is extremely approachable, friendly and professional. He instills a confidence in you that he is genuinely making suggestions based solely on your best interests.We felt very looked after by Victor and truly wondered why anyone would even bother looking for finance on their own.Even when freak complications arose, Victor worked very hard to both rectify the situation and continually communicate with us about it.I would wholeheartedly recommend that anybody looking for a home loan speak with Victor immediately.
Gavin H.
01:53 03 Dec 18
Victor is extremely approachable, friendly and professional. He instills a confidence in you that he is genuinely making suggestions based solely on your best interests.We felt very looked after by Victor and truly wondered why anyone would even bother looking for finance on their own.Even when freak complications arose, Victor worked very hard to both rectify the situation and continually communicate with us about it.I would wholeheartedly recommend that anybody looking for a home loan speak with Victor immediately.
Gavin H.
00:56 03 Dec 18
Amazing company and people, Victor is fantastic. You can tell these guys genuinely care, they have foresight in every instance and have answered your question before you even ask it. Thanks for your guidance and expertise, you made the entire process (through a difficult time) incredibly easy! Sincere thanks!
Lyssa K.
08:13 22 Nov 18
As first home buyers we have so many questions and Victor was able to take the time to concisely explain everything. Was recommended by a friend and would definitely recommend to others!
Jessie E.
06:49 16 Jul 18
Victor provided amazing service for my home loan. Couldn't recommend Blackk finance enough.
Zac H.
00:26 15 Jun 18
We engaged Victor after a recommendation from a friend and were not disappointed! Victor sat with us and helped work out the best situation for us very early on including getting pre-approval. Through the buying process he helped with property reports as we were looking at various properties to ensure we made the best buy possible. Being a business owner, finance is always more complex however Victor found us a bank that can work with us on this, and he had the loan approved, done and dusted in record time as this was important to secure the property and go unconditional. He also helped us with further valuations and refinancing for further work to the property which has been fantastic. The team at Blackk Finance has gone above and beyond to guide us to the best outcome we could hope for! Thank you Victor and the Blackk Finance team!!!
Cara Crundall K.
00:51 31 May 18
Our situation was a little more difficult than most, we had a combination of it being our first property purchase, self employed and that we were buying the property we were currently renting so there was no sales agent involved to help with certain details. Victor and his team were absolutely brilliant. From the first conversation to the conclusion they made the process extremely easy to understand, follow and be informed. I had previously spoken to a number of brokers before Blackk Finance, at that time we only had a small deposit, other brokers were keen to do the deal and encouraged us to take big risks to make it happen at that time without being clear of the consequences. My first chat with Victor was simple . "Save more " So we did, got back in touch with him down the track and he exceeded our expectations with a higher deposit loan and thus lower interest. If other brokers are soldiers, Victor is a Navy SEAL . His communication is always clear, precise and professional. He knows his profession extremely well and he will make sure that you get a good deal and that you are making solid financial decision. Special thanks to Debbie as well for her efforts, extremely helpfull.
Niall P.
08:22 03 Apr 18
This was our fourth time buying a home but our first time using a financial advisor. We did not expect the process to be easy as we are used to doing things a certain way and we had a billion questions. We were so wrong. Victor validated and answered every single one of those billion questions and gave us confidence that what we wanted to achieve with purchasing our first investment property could be achieved... Then he made it happen. He and his team personalised every meeting we had with him and then went to work finding a finance package that suited us PERFECTLY. Thanks Blackk finance. Who knew buying a home would be so enjoyable and easily thanks to you. We are so very grateful for the time and personal attention you took to making this so enjoyable and perfect for our needs.
Kylie Jonkaitis P.
22:22 11 Mar 18
Victor, Glen and Debbie had to work extra hard to find and secure a loan for me. I know that I would not currently be a property owner without their attention to detail and their willingness to go the extra mile. Thanks very much guys. Words cannot express how much I appreciate what you've done for me.
Sindy S.
11:22 24 Feb 18
Highly recommended Vicror and his team they make buying a house easy and simple especially since it was our first home couldn't have done it without them.
Michael M.
22:40 11 Jan 18
These guys are awesome. Both my partner Joseph and I can't say more than good words about Victor, Glenn and Debbie. Their hospitality is very warming, they're willing to answer and action every request and their patience in every touch point of our loan was seamless. If you are looking for professionals but also down to earth, honest liaison with a top finance broker, Victor and his team at Blackk finance are your team. Thank you all for your support! It was great to do business with you and will definitely look forward to working on other investments with you. Cheers, Cat & Joe
Caterina Francesca S.
11:55 20 Oct 17
I can't recommend them enough! We were referred to Victor by a friend to sort his help and expertise with everything to do with purchasing our first home. We are first timers and had no idea where to start. Victor went above and beyond for us, staying in contact, following up on everything and stuck it out with us for a few years before we had enough to finally start the process.Victor & Blackk finance are great guys and we won't hesitate in contacting them again in the future.We appreciate everything you's have done for us! Thank you
Kata J.
02:33 26 Sep 17
Can't speak highly enough of Victor! Kat and I wouldn't be in our own place today without him. He was always available to provide us with advice and guidance when we needed it including weekends. We will definitely be going back to Victor and his team for any of our future finance needs!
Jamie M.
11:15 18 Sep 17
Victor was the first & last mortgage broker we visited while looking for a broker. We explained our financial situation and Victor advised on various approaches in a simple easy to understand manner. Our visits & phone calls were helpful & professional throughout. At times my partner and I thought we were his only client due to his response rate! Highly recommended.
Bryce H.
11:18 28 Aug 17
Unbelievably exceptional service from Victor Kalinowski and the whole team!
Julia Astrid A.
07:07 11 Jul 17
Victor and his team are amazing. They went above and beyond. Took their time and explained everything. Would recommend him to everyone. Thanks for everything team.
Aaron H.
05:58 20 Jun 17
After a couple of very successful earlier dealings with Blackk Finance we had no hesitation in contacting Victor again when we recently decided to upgrade our family vehicle. The brief was challenging....all communicaton was via phone or email as we reside in a remote area, the vehicle we settled on was in Brisbane and our local bank had been unable to help us. As with our previous experiences Victor proved himself yet again, making the whole experience a very positive one. Great communication, nothing was too much trouble and his down to earth friendly approach made a potentially stressful situation very pleasant. He negotiated a great deal for us and we have driven away in our dream vehicle. Thanks again Victor for making this happen for us!! We will definitely be back! Martin & Therese 🙂
Therese M.
21:27 06 Jun 17
Victor was brilliant from the get go! Meeting us on a Friday afternoon when many would have knocked off, he sat down and took us through the steps for securing our first property. He took into account everything we needed and provided us with a great loan. He did everything promptly and kept us update to date throughout the entire process even when we were overseas. We would definitely use Blackk Finance and Victor again and would recommend to anyone looking for a mortgage broker.
Andrew E.
10:37 05 Jun 17
Victor, thank you so much for your caring and professional attitude. Right from the first time that we caught up with you (when you actually took the trouble to fly from Brisbane to meet us in Shepparton, to help make our interstate move smooth and problem free) and to this day, we have always felt supported. We know that we can always depend on your knowledge & expertise in financial matters to advice us in future too. Thanks a ton. Great work.
Digant R.
06:46 12 Dec 16
We were given an opportunity to purchase the house we were renting. I contacted Victor as he was recommended by a real estate agent who said "Victor can pull off amazing things". I could not be happier. I can confidently recommend him. Victor has communicated every step of the way he always answered any of our questions quickly and thoroughly. He has been on top of everything and is very knowledgeable. I would not hesitate to recommend him. Thank you so much Victor.
Tina Van W.
05:10 26 Sep 16
During my first discussion with Victor I knew that he was the broker for us. He is clearly very passionate about property investing and smart financial structuring. Victor and the Blackk team are also incredibly authentic in their desire to not only assist my husband and I purchase our first investment property but to consider future investment goals. Victor is giving of his time and met us where we were at whilst generously imparting his knowledge and expertise I have to also give a special mention to the ever professional and gracious Jacquie. She made herself so available to us, explaining things, replying to emails and texts in record speed and sending reassuring texts at the eleventh hour. Not to mention, doing paperwork in the carpark when my child was sick in car. I highly recommend Victor and Jacquie and will definitely be seeing them again in the near future with the next buy!
Cassandra D.
11:01 16 Sep 16
We would like to thank Victor at Blackk Finance for all his help in achieving our property goals of purchasing a great new house while keeping our other investment property. He makes all your financial needs easy and always goes beyond what you expect to land the right, tailor made loan.We will always recommend you and look forward to doing business with you i the future. Michael and Arna Bromley
Michael B.
04:26 15 Sep 16
Victor and the team at Blackk Finance are AMAZING! I have never felt so confident in someone I had only just met direct me in such a massive decision in my life. Victor was clear with everything required of my partner and I as we went down the road of buying our first home and I could not recommend any better! When we would visit his office after work, there was cold drinks waiting and he never failed to make my kids feel as though they were involved in the process as we sat for a couple of hours going through the paperwork it never felt like a chore!THANKS AGAIN VICTOR AND THE TEAM AT BLACKK FINANCE!
Leyu F.
13:20 02 Aug 16
Simon K.
23:06 06 Jun 16
Blackk Finance provide a professional and valuable service that has helped my wife and I purchase our first townhouse and house with minimal hassle and made a very daunting process simple and easy to understand. Well worth having a chat to Victor and the team if you are considering buying property.
Andrew K.
07:18 25 Nov 15
Victor thank you for making the finance aspect of investing so trouble free. Your passion for excellence is so evident in all our dealings with you and your team.
Yvonne B.
23:12 15 Nov 15
I cannot speak highly enough of Blackk Finance. Victor really listened to us and got us a great deal on the package best suited to us, when refinancing our home loan. Even when we went away and more or less forgot about it, Victor was on the ball and always keeping the line of communication open. No question was too hard/annoying for him. I could go on, but you get my drift. Love your work, Victor!
Lotte H.
01:10 14 Oct 15
My sister and I can’t thank Victor and his team at Blackk Finance enough. They went above and beyond to help fix the loan that was originally set up for us. Not only did he find a more suitable bank and structure, but also a great interest rate. Nothing was ever too hard. No question was left unanswered. He took the time to explain everything and made sure we understood every detail. Victor is very friendly, understanding and approachable. Even when contacted out of business hours, he made himself available for us. I commend you on your patience, understanding and knowledge. We HIGHLY recommend you guys at Blackk Finance! Thank you again for all that you have done for us. * We love the colourful technique you use to explain*
Jasmin B.
23:13 25 Aug 15
I highly recommend Victor and the team at Blackk Finance. Victor went over and above in helping us buying our new House. We had an extremely tight window of time to sort out our finance and Victor was amazing at helping us expedite the process. We also got a great deal on interest rates as well as some fantastic banking options that work specifically for us and our situation. If you need a mortgage, or are thinking of refinancing, look no further than Victor and the team at Blackk Finance.
Joe E.
23:11 30 Jul 15
Thank you so much Victor! We finally got our first home! We couldn't have done it without you! You went way beyond any duty with all our questions and frantic phone calls at odd hours. We would not hesitate to recommend you to all our family and friends! Can't wait for you to see our house in person!!!!Highly highly recommended!!!!!!!!!Sandrine Balaye and Jared Pukallus Thank you again for holding our hand through all of this!
Sandrine B.
00:18 28 Jul 15
Joanne V.
08:13 13 Jul 15
Victor knows his stuff!! Wouldn't be where I am today without this legend!! Highly recommended.
Michael Can R.
00:24 02 May 15
These guys are great. Patient and precise with everything they do. Victor can make even the most complicated finance jargon sound like plain English. Highly recommend them!!!
Travis T.
08:02 02 Mar 15
Bojean D.
11:08 09 Jan 15
Victor is the epitomy of patience!! He is so very precise in explaining so clearly any query that I threw his way which was many, and at any time of the day or evening even!! Blackk Finance have looked after both myself and now my daughter and her partner with such a wide range of finance issues. I know I would never have achieved what I have with my investment properties without Victor's advice and guidance. And he's such a nice bloke as well.
Judith Van V.
02:22 07 Dec 14
Cheers Victor!!!Blackk finance helped Kely and me a lot more than the finance support.Explaining every step and making us more confident, Victor kept us up to date with everything.Highly recommended from us.
Humberto Titotto A.
03:27 25 Aug 14
I would like to thank the Blackk Finance for everything done to us. Victor explained and helped us a lot. As a first home buyers we had no questions without answers. It was beyond our expectation. Thank you very much.
Kely P.
03:15 25 Aug 14
THANK YOU to Victor and Glen of Blackk Finance. Never have we dealt with finance gurus such as these guys. No task was too hard, no phone call was unanswered, no email was not replied to. Communication, perseverance and persistence got us there. After a restructure of finances, we have managed to increase our property portfolio. Can never thank you enough guys. You'd be mad to go anywhere else!
Shelley W.
01:49 01 Aug 14
Blackk finance are fantastic!!! They helped us get a mortgage for our first home!! We are so very grateful for their help. It would have been a lot more difficult without their assistance.. Also explained each step of the way, without us getting confused at all. Thanks again!
Leah K.
01:28 25 Jul 14
Maartje T.
06:22 13 Jan 14
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