ATTENTION: FIRST HOME BUYERS
Still Renting and Wondering If You Can Actually Buy?
Find out what you can borrow and how to buy faster than you think.
CLICK BELOW TO WATCH FIRST!
Next Step: Answer a Few Questions To Start Your Home Buying Journey
Helping Clients Get Into Their First Home — Here’s What They Say
GOOGLE REVIEWS
★ ★ ★ ★★
Built for RENTERS Ready to BUY Their FIRST Home
Paying $500–$700/week in rent
Not sure how much you can borrow
Confused by banks and loan options
Unsure if your deposit is enough
Want to buy but don't know where to start
Tired of waiting and feeling stuck
We Work With 30+ Lenders
We’re not tied to one bank — we work with 30+ lenders to find what’s right for you
STILL NOT SURE?
Frequently Asked Questions
Everything You Need to Know Before Getting Started
How much deposit do I need to buy my first home?
You may be able to buy with as little as a 5% deposit, depending on your situation. If you’re eligible for the First Home Owner Grant (FHOG) and other schemes, this can help reduce the upfront cost even further. We’ll show you exactly what you qualify for.
How do I know how much I can borrow?
Your borrowing power depends on your income, expenses, debts, and overall financial position. We assess your situation across multiple lenders to give you a clear and realistic range.
Will checking my borrowing power affect my credit score?
No — the initial assessment we do does not impact your credit score. We only proceed with a formal application once you’re ready.
I’m not ready to buy yet — can I still reach out?
Absolutely. Most of our clients start by just wanting clarity. We’ll help you understand where you stand and what steps to take when you’re ready.
Why should I use a broker instead of going directly to a bank?
Banks only offer their own products, while we compare multiple lenders to find options that suit your situation. We also guide you through the process and help structure your loan properly
How long does the process take?
It depends on your situation, but once everything is in place, approvals can happen within a few days to a couple of weeks. We’ll guide you through each step so you know exactly what to expect
What government schemes can I access as a first home buyer?
You may be eligible for schemes like the First Home Owner Grant (FHOG), stamp duty concessions, and low-deposit programs. We’ll guide you through what you qualify for based on your situation.
Do I need a 20% deposit to avoid extra costs?
Not always. Many first home buyers purchase with less than 20%. Depending on your eligibility, there may be ways to reduce or avoid extra costs — we’ll walk you through your options.
Can I use my parents to help me buy my first home?
Yes — options like guarantor loans can help you get into the market sooner without a large deposit. We’ll explain if this is suitable for your situation.
What costs should I expect besides the deposit?
In addition to your deposit, there may be costs like stamp duty, legal fees, and lender fees. Some of these can be reduced or waived depending on your eligibility.
How long does it take to get pre-approval?
Pre-approval can typically take a few days to a couple of weeks, depending on your situation and the lender. We’ll guide you through the process and keep things moving.
Do I need to speak to a bank first?
No — we can assess your situation and compare options across multiple lenders before you approach a bank, saving you time and helping you make a more informed decision.
Can I still buy if I am self-employed?
Yes, but the process can be different. We’ll help structure your application correctly and explore lenders that are suitable for self-employed applicants.
How We HELP You BUY Your FIRST Home
A simple, step-by-step process to understand your options and move from renting to owning with confidence
Step 1
Tell Us About Your Situation
Answer a few quick questions so we understand where you’re at.
Step 2
We Assess Your Options
We review your borrowing power and compare lenders that suit you.
Step 3
Get Your Game
Plan
We walk you through your options and next steps with complete clarity.
MEET THE FOUNDERS
Hey, we're Sahil & Ritesh
At GSR Finance, we combine strong financial expertise with real-world business experience to help clients make smarter property decisions.
Ritesh is a Certified Practising Accountant (CPA) with nearly 20 years of experience in financial management, strategy, and lending insights.
Sahil is an entrepreneur with over a decade of experience building and scaling businesses, bringing a practical and client-first approach to every situation.
Together, we’ve helped clients navigate the home loan process with clarity, confidence, and the right strategy — not just a loan.
10+ years combined experience in finance & business
Helped hundreds of clients secure the right loan structure
Access to a wide range of lenders and solutions
Personalised advice — not bank-driven recommendations
