FIRST HOME BUYER
Mortgage Broker Central Coast, Northern Beaches & Greater Sydney
Buying your first home? Let’s make it happen.
Hey, I’m Reuben—owner of Horizon Mortgages and your go-to mortgage broker for the Central Coast, Northern Beaches, and Greater Sydney. I know buying a home (especially your first one!) can feel overwhelming, but that’s where I come in.
I’m a fully mobile broker, which means I’ll meet you wherever and whenever works best—your place, a café, or even over Zoom or Facetime if that’s easier for you!
With access to over 38 lenders in Australia I’ll find the right loan to suit your needs. My job is to make the process simple, stress-free, and tailored to you. No confusing bank jargon, just real advice to get you into your home sooner.
Let’s chat and get you on the path to homeownership!
Buying your first home? We’ve got your back.
There’s nothing quite like the excitement of owning your first home—but let’s be real, it can also feel a little overwhelming. At Horizon Mortgages, we’re here to make the home loan process as smooth and stress-free as possible, so the hardest part is simply finding the perfect place to call home.
From the Central Coast to Greater Sydney (in fact, truth be known we help people all over Australia!), we specialise in helping first-home buyers navigate the world of home loans. Whether you need answers, loan options, or just someone to guide you through it all, we’re with you from your first questions to getting the keys—and beyond.
Here’s how we make it easy for you:
✅ Clear, expert advice – No confusing jargon, just straightforward guidance.
✅ Simple and stress-free process – We break everything down and handle the tricky parts.
✅ The right loan for you – With access to over 38 lenders, we’ll find the best fit.
✅ Pre-approval made easy – So you can confidently start house-hunting.
✅ First-home buyer perks – We’ll help you apply for any grants and incentives.
✅ All of this? Completely free.
Let’s chat and take that first step toward homeownership—without the stress.
Where to Start as a First Home Buyer
We Make Buying Your First Home Simple
Getting into the property market can feel overwhelming—but don’t worry, we’ve done this plenty of times before. At Horizon Mortgages, we guide first-home buyers through the entire process, so you can make confident decisions without the stress.
We’ll break everything down for you, step by step:
✔ How much you can borrow—and how much you should, based on your situation.
✔ The full cost of buying—so there are no surprises along the way.
✔ What to expect at each stage—from loan pre-approval to settlement.
We take the time to understand your needs, future goals, and what’s most important to you. Then, we compare a wide range of loan options from over 35 lenders and negotiate the best deal—so you can sleep easy knowing you’ve made the right choice.
Let’s chat and get you one step closer to owning your first home!
Get Ahead with Home Loan Pre-approval
Get Pre-Approved & House Hunt with Confidence
Still searching for your dream home? We can help you get pre-approved for a home loan, so you know exactly what you can afford before you start making offers.
A Pre-Approval (also called Approval in Principle or Conditional Approval) gives you a clear budget and the confidence to act fast when you find the perfect place. It also shows sellers you’re serious—giving you an edge in competitive markets.
With pre-approval in place, you’ll be ready to move forward smoothly, knowing your financing is already lined up. So..let’s get you pre-approved and one step closer to owning your first home!
Secure Your First Home Owner Grant
If you’re eligible for the First Home Owner Grant (FHOG), we’ve got you covered. We’ll handle the entire application process for you, including lodging your application and all supporting documents with Revenue NSW.
With our expertise, you won’t have to worry about missing any details or making mistakes that could delay your approval. We make sure everything is submitted correctly and efficiently so you can focus on finding your dream home.
Plus, we’ll let you know about any other government incentives and deductions available for first-home buyers, ensuring you take full advantage of what’s out there to save you money.
Take Advantage of Our Fee-Free Mortgage Services
At Horizon Mortgages, we believe in keeping things simple and affordable for First Home Buyers. When you choose to work with us, there are no fees for our services—that’s right, we won’t charge you a thing.
Instead, we’re paid by the lender once your loan settles, meaning you get expert guidance, loan comparisons, and support through the entire process—all without adding any upfront costs to your first-home-buying budget.
It’s just one more way we make getting your foot on the property ladder easier. Let’s get started!
FIRST HOME BUYER FAQs
How does the whole process of getting a home loan work?
While it can seem complicated to first home buyers, it’s our job as your mortgage broker to know the whole process inside out. That’s why we walk you through every step of the way until you are formally approved for your home loan and settled into your new home.
Should I get pre-approved for a loan and how long does that take?
Getting pre-approval for your home loan enables you to search for a home that is within your price range. It can save you the heartache of falling in love with a home that you think you can afford but lenders don’t believe you can. You can think of being pre-approved to borrow as a trial run for obtaining formal approval for your actual home loan. Gaining pre-approval can take anywhere from 1 to 28 business days, depending on if you have all your documentation in order and whether or not it is a particularly busy time for lenders.
What documentation do I need to provide?
Proof of Income (such as payslips and tax returns)
Bank Statements, Evidence of a Pattern of Savings (rather than one-off deposits of, for example, bonuses, bequests or proceeds from the sale of assets, such as a car)
Details of Assets and Liabilities (including credit card debt and personal loans)
100 Points of Government-recognised Identification.
Am I eligible for any government grants or rebates?
At Horizon Mortgages, we specialise in First Home Buyers loans, so we suggest it’s best to talk to us about the eligibility criteria for these grants/ incentives and subsidies as state governments are forever changing and updating policies aimed towards First Home Buyers.
What is my borrowing capacity?
Your borrowing capacity is the amount a specific lender is prepared to lend you to buy your first home. This amount can vary from lender to lender as each uses different criteria to assess your ability to repay. Your lender will calculate your borrowing capacity in a way that ensures that you do not borrow more money than you can afford to repay over the term of the loan.
Using our Loan Calculators ➤ can give you a good idea of how much you will be able to borrow.
You can also use our calculator to estimate the Property Fee ➤ for the purchase of your home.
The following factors will affect your borrowing capacity:
whether you are making an individual or a joint application
your number of dependants (if any)
your individual or joint net income from employment and any other income you may receive
your expenses, including repayments for existing loans, credit card limits, and monthly living expenses.
When you are ready to apply for a loan for your first home, I would love to help you choose the one that’s right for you — Reuben
