30/10/2026
1️⃣ If you’ve changed jobs recently.
It’s not a deal breaker, especially if you’re in the same industry. Plenty of lenders will look at your experience, not just your time in the role.
2️⃣ If your credit history isn’t perfect.
Most of us have something on there. Depending on what it is, there are often ways to work around it or fix it, so come and talk to me before you rule yourself out.
3️⃣ If you’ve got other debts.
A car loan, a credit card or a personal loan doesn’t automatically rule you out. In some cases we can look at rolling them into your home loan, and I’ll let you know if that’s the right move for you.
4️⃣ If you’ve only got a small deposit.
With options like the 5% Deposit Scheme or a family guarantee, a smaller deposit doesn’t have to stop you. Let’s look at what’s possible before you decide you’re not ready.
5️⃣ If you have no idea what you’re doing.
That’s completely fine. Most first home buyers don’t! I’ll walk you through every step, from your first question to getting the keys.
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This is for general education purposes only and is not intended to constitute specialist or personal advice.
