Trusted Mortgage Broker for First Home Buyers in Sydney
KD Loans is a trusted mortgage company in Australia. We ensure that people always experience a process that is convenient and time-saving, involving expert guidance, and have access to a wide range of loan options. We offer personalized and step-by-step support to first-time home buyers and families seeking secure property ownership.
How It Works
Fast-Track Approval Support
Why does my home loan take so long to get approved?
Personalised Lending Strategy
Which lender is actually right for my situation?
Clarity You Can Trust
Confused by loan terms and unclear charges?
Our Services
First Home Buyer Loans
For first-time buyers, we assess eligibility, explain the costs and risks, and help you choose a loan that fits your budget.
Investment Property Loans
We help property investors understand cash flow, risks, and loan structures before investing.
Construction Loans
For new builds, our team of experts helps you understand construction stages, payment schedules, and lender conditions.
Refinancing Services
Our team compares rates, fees, and lender policies to help you refinance and reduce costs.
Commercial Loans
We help your business secure commercial finance by assessing cash flow, security, and eligibility.
Loan Protection
Our team compares multiple insurers, saving you time and providing ongoing support for your loan protection.
“Home buying is not just about investing in property, but investing in dreams!”
Frequently Asked Questions
Usually 20% is recommended, many first-time home buyers can purchase with as little as 5% deposit. You can use Lenders Mortgage Insurance (LMI), which lets you buy with a smaller deposit but increases your overall cost. There are also some government schemes that even allow 2% deposits for eligible buyers.
Pre-approval is conditional approval for a home loan before you find a property. It gives you confidence when house hunting, shows sellers you’re a serious buyer, and helps you understand your budget. Pre-approval typically lasts 3-6 months.
The first-time buyers may receive The First Home Owner Grant(FHOG) of $10,000–$20,000 depending on the state you live in. They can also buy a home with just 5% deposit without paying Lenders Mortgage Insurance and may get discounts or exemptions on stamp duty.
The process usually takes 4–8 weeks from application to settlement. Pre-approval can be obtained in 1–3 days, while full approval after finding a property takes 2–4 weeks. Having all documents ready can significantly speed up the process.
Additional costs include stamp duty (2-5% of property value), legal fees ($1,000-$3,000), building and pest inspections ($500-$1,500), loan application fees, and moving costs. Budget an extra 3-5% of the purchase price for these expenses.
Still Have Questions?
Our mortgage experts are here to help. Get personalized advice tailored to your situation.
Our Happy Clients!
