Stop Renting
Start Owning
5% Deposit all it takes

Stop Renting
Start Owning
5% Deposit all it takes

40+ Lenders I $2k Cash Back Offer I Free Service

40+ Lenders I $2k Cash Back Offer I Free Service

Step 1 of 60%

Which best describes you?

Secure form • Takes less than 60 seconds • We review your loan every 6 months
Step 1 of 60%

Which best describes you?

Secure form • Takes less than 60 seconds • We review your loan every 6 months
Trusted by hundreds of Australian first home buyers
Trusted by hundreds of Australian first home buyers

45+

45+

Helping
first home buyers
every day

Helping
first home buyers
every day

Your First Home, Step by Step

We help first home buyers understand their options before making big decisions.


We help first home buyers understand their options before making big decisions.

Low Deposit Options for First Home Buyers

There are ways to buy sooner without waiting years to save 20%.

We Look Beyond Just Base Pay

Many first home buyers qualify using overtime, allowances, or multiple incomes — when assessed properly.

Understand What You Can Afford

We help first home buyers work out realistic price ranges before they start inspecting.

A kitchen island with three stools in a bright kitchen
A kitchen island with three stools in a bright kitchen

Seamless integration with the tools you already use.

Still Renting Because You’re Unsure If You’re Ready?

A quick eligibility check shows what’s actually
possible-before you guess

A quick eligibility check shows what’s actually
possible-before you guess

Step 1 of 60%

Which best describes you?

Secure form • Takes less than 60 seconds • We review your loan every 6 months
Step 1 of 60%

Which best describes you?

Secure form • Takes less than 60 seconds • We review your loan every 6 months

45+

45+

Book Appointment

What we cover in our 1-ON-Call

here's what we cover in our 1-ON-1 call

A Simpler Way to Buy Your First Home

Mortgage Matrix manages the process end-to-end, so you can focus on moving in.

Repayments that Fit Real Life

Set weekly, fortnightly, or monthly repayments that suit your lifestyle and income.

Choosing the Right Loan Structure

Fixed, variable, or split loans — we help you choose what works best for your situation.

Deposit Strategies & Family Assistance

Find out if low deposit or guarantor options suit you.

Help Finding the Right Property

We help you understand price ranges, suburb suitability, and what lenders will accept.

Check First Home Buyer Grants & Schemes

We check what government grants and support you may be eligible for before you buy.

Take your First Step Toward Home Ownership

Borrowing power estimate I First home buyer grant eligibility

Step 1 of 60%

Which best describes you?

Secure form • Takes less than 60 seconds • We review your loan every 6 months

45+

There’s no obligation to proceed.

This is simply about understanding your position, your options, and what steps make sense next — now or later.



We help first home buyers across Queensland understand their borrowing power, grants, and loan options

FAQ's

How much deposit do I need as a first home buyer?

Traditionally, lenders require a 20% deposit to avoid paying Lenders Mortgage Insurance (LMI). However, many lenders accept as little as 5–10% with LMI. With the new 5% Deposit Scheme starting October 2025, eligible first home buyers can purchase with just a 5% deposit without paying LMI, as the government acts as guarantor.

How much deposit do I need as a first home buyer?

Traditionally, lenders require a 20% deposit to avoid paying Lenders Mortgage Insurance (LMI). However, many lenders accept as little as 5–10% with LMI. With the new 5% Deposit Scheme starting October 2025, eligible first home buyers can purchase with just a 5% deposit without paying LMI, as the government acts as guarantor.

What is the new 5% Deposit Scheme and how does it work?

What is the new 5% Deposit Scheme and how does it work?

Do I need pre-approval before I start looking for a home?

Do I need pre-approval before I start looking for a home?

What additional costs should I budget for as a first home buyer?

What additional costs should I budget for as a first home buyer?

Why should I use a mortgage broker as a first home buyer?

Why should I use a mortgage broker as a first home buyer?

A group of people sitting in a room listening to a speaker on stage.

Pre-Approval Unlocked – Your Key Questions Answered!

Zachary Russell-Sharam

Director @MM



‍Mortgage Matrix ©2026. All rights reserved.​

‍Mortgage Matrix ©2026. All rights reserved.​

Step 1 of 60%

Which best describes you?

Secure form • Takes less than 60 seconds • We review your loan every 6 months

Take Your First Step Toward Home Ownership

40+ Lenders I $2k Cash Back Offer I Free Service

45+

45+

There’s no obligation to proceed.

This is simply about understanding your position, your options, and what steps make sense next — now or later.



We help first home buyers across Australia understand their borrowing power, grants, and loan options