Purchase
BUY YOUR FIRST HOME, OR YOUR NEXT
Your first home, sorted and a broker in your corner.
PFC Mortgages has been helping Brisbane home buyers since 1991, with access to more than 30 lenders and a process built around clarity, not pressure. Steve Lowe is an MFAA accredited mortgage broker who’s guided hundreds of first-home buyers into the right loan, including those the banks weren’t sure about.
Where are you up to?
First-home buyer in Brisbane and not sure where to start.
Going to inspections but don't know what you can actually borrow.
Upsizing, downsizing, or moving for work and need pre-approval fast.
Self-employed or with a tricky income? The banks haven't been helpful.
WHAT WE’LL SORT
A purchase loan,
in plain English.
First Home Buyer
Getting into your first place, sorted from start to keys.
Next Home Buyer
Upsizing, downsizing, or relocating without the stress.
Self-Employed Buyer
A tricky income the banks struggle with? We don’t.
Using Equity
Tap into what you’ve built to fund your next move.
Retired and needing money
Reverse mortgages when you need to downsize.
THE PFC DIFFERENCE
How we do it.
Buying a home is one of the biggest decisions you’ll make. You deserve a broker who treats it that way.
No fees, ever.
The lender pays us. Not the other way round.
30+ lenders compared.
The right fit, not the easiest sell. ANZ, CommBank, Westpac, NAB, plus 26 more.
One broker, start to finish.
Steve from the first call to settlement. Same person every time.
Plain English.
No jargon, no fog. If something doesn't make sense, ask. We'll explain.
What happens next.
A conversation
Tell us where you're at, what you're hoping to buy, and what your situation looks like. No forms first.
Borrowing power, sorted
We work out what you can actually borrow, what it'll cost weekly, and which lenders will say yes to you.
Pre-approval in your back pocket
You go house-hunting with real numbers and a lender already on board. When you find the place, you're ready to move.
Settlement and the keys
We handle the lender, the paperwork, and the finish line. You pick up the keys. We stay on call after.
FAQS
The things buyers ask.
No, a mortgage broker is not a requirement to purchase a home.
But teaming up with a professional has its benefits such as:
- Professional assessment of your eligibility for available grants for first home buyers
- Find first home loans faster
- Access offers from non-banks and alternative lenders
To determine how much deposit you need for your home, you should first calculate how much you can afford to borrow.
For instance, if you are planning to purchase a $250,000 home, you need to put down the following deposit:
- 5% deposit $12,500
- 10% deposit $25,000
- 15% deposit $37,500
The minimum credit score needed for first time home buyers is around 580.
But if you can pay at least a 10% deposit, some banks will accept a score between 500 and 579.
In Queensland, you are eligible to receive a first home buyer grant if you are:
- At least 18 years old and above
- Must be an Australian citizen or permanent resident
- You must be purchasing or building a brand new home
- You or your partner must have not previously owned a residential property in Australia
- The property's value is less than $750,000
- You should move into the property as your primary residence within one year of the completed transaction and reside there continuously for six months.
NOT SURE WHICH ONE FITS?
Let’s have a chat.
Most people don’t know exactly what they need until they’ve talked it through. Start with a free conversation. We’ll work it out together, and tell you straight what suits.