Explore Lenderfi's Mortgage Solutions

First Home buyers

Buying your first home can feel overwhelming and out of reach. At Lenderfi, we walk you through each step to make sure you understand the whole process before taking the leap.

Pre-approval

By reviewing your financial information upfront, the right lender will give you your maximum borrowing power and strengthen your position when you’re ready to make an offer.

5% Government Guarantor Scheme

The 5% Government Guarantee Scheme allows buyers to purchase a home with a deposit of just 5%. The government backs part of the mortgage so that purchasers can avoid the pricey Lenders Mortgage Insurance.

Shared Equity Loans

Shared Equity Loans are different to the 5% Government Guarantee scheme. A participating lender can contribute between 5% and 25% of the property value.

Construction Loans

Construction loans, designed for builders, developers, and homeowners, provide financing to cover the cost of building or major renovations.

Refinancing

Refinancing lets you replace your current loan with a new one, often to secure a lower interest rate, reduce monthly payments, or adjust the length of your loan.

New Purchases

Finance makes new purchases easier by allowing you to spread the cost over time instead of paying everything upfront.

SMFS Loans

SMSF loans allow self-managed super funds to invest in property while limiting any recourse.

Investment Loans

Investment loans are designed to help you purchase income-generating assets, such as property, with the goal of building long-term wealth.

Medico Low Deposit Loans

Medical Professional Home Loans are designed specifically for doctors, dentists, Registered Nurses and allied health professionals, these home loans offer tailored solutions to help you secure your dream home.

How We Work

We believe understanding your options is just as important as securing the right loan. Our process is designed to be simple, transparent, and tailored to you — whether you prefer to meet in person, over a coffee, or via Zoom.

From your first phone call through to settlement and beyond, you’ll always deal directly with us — not a bank branch.

We start with a brief phone conversation to gather some basic information. This allows us to calculate your exact borrowing capacity before we meet. From there, we’ll arrange a time to catch up in person and walk you through your options, as well as explain how the entire finance process works.

When we catch up, we go beyond simply outlining your borrowing capacity — we explain how it’s calculated and why it looks the way it does. If you’re taking the leap into homeownership, it’s important to clearly understand what you can do and the reasons behind it. We’re flexible on how we meet: at your home, our office, a local café, or via Zoom — whatever suits you best.

When you are ready, a pre-approval is important so that you can go shopping with confidence. Once you are pre-approved, you are not obligated to purchase; it is about confirming your borrowing capacity and strengthening your position when you’re ready to make an offer. Depending on your lender, this should only take 4–7 days.

Once you’re pre-approved, you’re ready to start submitting offers. We know working with real estate agents can feel overwhelming, so we will be there to help you submit offers, talk to agents, or simply confirm you are doing the right thing. There are usually plenty of questions at this stage, especially if it’s your first time, and we’ll always be here to support and reassure you.

Congratulations — your offer has been accepted! The next step is to sign a Contract of Sale. This may be a single contract, or separate land and build contracts if you’re building — both are perfectly fine. Once we receive the signed contract(s), we’ll submit them to the bank so they can confirm they’re satisfied with the property and formally approve your loan.

This is where you accept your loan offer and things really start to feel real. Once your loan documents are issued, we’ll organise a time to sit down and go through everything you’re signing, making sure it all makes sense and you’re comfortable. Once signed, we’ll send the documents back to the bank for verification.

This is the fun part — moving in! Your conveyancer handles the settlement on the day, which means you can focus on packing and getting excited about your new place. But even after settlement, we’re still by your side. Weeks, months, and years from now, if you need help with your loan or have any questions, you’ll deal directly with us — not a bank branch. That means faster answers and familiar faces every time.