Rated

Rated

by 50+ First Home Buyers

by 50+ First Home Buyers

Specialist First Home Buyer Mortgage Broker - Your First Home, Made Simple.

Stop searching through conflicting advice and wondering if you're ready. Matthew Stack has helped 150+ first home buyers get approved faster than they thought possible comparing 40+ lenders, securing every government grant they're entitled to, and handling the entire process so you don't have to.

Buy with just a 5% deposit: Government-backed access with no LMI, saving tens of thousands upfront

Pre-approved in days, not months: Make offers and bid at auction with certainty from day one

Every grant and concession secured: State and federal entitlements claimed, nothing left on the table

Every grant and concession secured: State and federal entitlements claimed, nothing left on the table

Every grant and concession secured: State and federal entitlements claimed, nothing left on the table

Check Your Self Employed Borrowing Capacity

Trusted by SMSF Investors

Proven Results That Speaks for Themselves

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First Home Buyers Helped Into Their New Home

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Home Loans Settled (Matthew to provide total settled volume)

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Years Specialising in First Home Buyers

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Star Rated by First Home Buyers

Book My Free Strategy Session

Book My Free Strategy Session

Our Partners

Accredited to Compare 30+ Specialist Lenders

Our Solution

Tailored Home Loan
Solutions for First Home Buyers

Not generic advice. A real strategy built around your situation.

Book My Free Strategy Session

Book My Free Strategy Session

Buy With a 5% Deposit - Zero LMI

Saving a 20% deposit while prices keep rising feels impossible. Through the government-backed First Home Guarantee, eligible first home buyers can purchase with just 5%, with no Lenders Mortgage Insurance charges, saving tens of thousands upfront. We confirm your eligibility and get your application moving within days.

Buy With a 5% Deposit - Zero LMI

Saving a 20% deposit while prices keep rising feels impossible. Through the government-backed First Home Guarantee, eligible first home buyers can purchase with just 5%, with no Lenders Mortgage Insurance charges, saving tens of thousands upfront. We confirm your eligibility and get your application moving within days.

Buy With a 5% Deposit - Zero LMI

Saving a 20% deposit while prices keep rising feels impossible. Through the government-backed First Home Guarantee, eligible first home buyers can purchase with just 5%, with no Lenders Mortgage Insurance charges, saving tens of thousands upfront. We confirm your eligibility and get your application moving within days.

Buy With a 5% Deposit - Zero LMI

Saving a 20% deposit while prices keep rising feels impossible. Through the government-backed First Home Guarantee, eligible first home buyers can purchase with just 5%, with no Lenders Mortgage Insurance charges, saving tens of thousands upfront. We confirm your eligibility and get your application moving within days.

40+ Lenders, One Right Fit for You

Every bank has different lending criteria, and most will quote whatever's easiest for them. We compare options across 40+ lenders, including specialist policies and exclusive rates unavailable at the major banks, to find the highest borrowing capacity your income actually supports.

40+ Lenders, One Right Fit for You

Every bank has different lending criteria, and most will quote whatever's easiest for them. We compare options across 40+ lenders, including specialist policies and exclusive rates unavailable at the major banks, to find the highest borrowing capacity your income actually supports.

40+ Lenders, One Right Fit for You

Every bank has different lending criteria, and most will quote whatever's easiest for them. We compare options across 40+ lenders, including specialist policies and exclusive rates unavailable at the major banks, to find the highest borrowing capacity your income actually supports.

40+ Lenders, One Right Fit for You

Every bank has different lending criteria, and most will quote whatever's easiest for them. We compare options across 40+ lenders, including specialist policies and exclusive rates unavailable at the major banks, to find the highest borrowing capacity your income actually supports.

Every Grant and Concession, Secured

Most first home buyers leave thousands on the table by missing entitlements they didn't know existed. We map every scheme you qualify for. This includes State grants, stamp duty exemptions, and federal programs, and ensure every dollar is claimed before settlement.

Every Grant and Concession, Secured

Most first home buyers leave thousands on the table by missing entitlements they didn't know existed. We map every scheme you qualify for. This includes State grants, stamp duty exemptions, and federal programs, and ensure every dollar is claimed before settlement.

Every Grant and Concession, Secured

Most first home buyers leave thousands on the table by missing entitlements they didn't know existed. We map every scheme you qualify for. This includes State grants, stamp duty exemptions, and federal programs, and ensure every dollar is claimed before settlement.

Every Grant and Concession, Secured

Most first home buyers leave thousands on the table by missing entitlements they didn't know existed. We map every scheme you qualify for. This includes State grants, stamp duty exemptions, and federal programs, and ensure every dollar is claimed before settlement.

Pre-Approved Before the Weekend Is Over

In a competitive market, hesitation costs you the property. We fast-track your conditional pre-approval so you can make offers with confidence, bid at auction without conditions, and never lose a home because your finance wasn't ready.

Pre-Approved Before the Weekend Is Over

In a competitive market, hesitation costs you the property. We fast-track your conditional pre-approval so you can make offers with confidence, bid at auction without conditions, and never lose a home because your finance wasn't ready.

Pre-Approved Before the Weekend Is Over

In a competitive market, hesitation costs you the property. We fast-track your conditional pre-approval so you can make offers with confidence, bid at auction without conditions, and never lose a home because your finance wasn't ready.

Pre-Approved Before the Weekend Is Over

In a competitive market, hesitation costs you the property. We fast-track your conditional pre-approval so you can make offers with confidence, bid at auction without conditions, and never lose a home because your finance wasn't ready.

Plain English, Every Step of the Way

The home loan process is designed to confuse first-time buyers. Matthew walks you through everything in plain English: borrowing capacity, application, approval, and settlement, so you always know exactly where you stand and what's coming next.

Plain English, Every Step of the Way

The home loan process is designed to confuse first-time buyers. Matthew walks you through everything in plain English: borrowing capacity, application, approval, and settlement, so you always know exactly where you stand and what's coming next.

Plain English, Every Step of the Way

The home loan process is designed to confuse first-time buyers. Matthew walks you through everything in plain English: borrowing capacity, application, approval, and settlement, so you always know exactly where you stand and what's coming next.

Plain English, Every Step of the Way

The home loan process is designed to confuse first-time buyers. Matthew walks you through everything in plain English: borrowing capacity, application, approval, and settlement, so you always know exactly where you stand and what's coming next.

A Full Strategy, Not Just a Rate

Chasing the lowest rate is the most common first home buyer mistake. We build a complete borrowing strategy around your goals, timeline, and financial position, ensuring the right loan structure for your life, not just a number that looks good on screen.

A Full Strategy, Not Just a Rate

Chasing the lowest rate is the most common first home buyer mistake. We build a complete borrowing strategy around your goals, timeline, and financial position, ensuring the right loan structure for your life, not just a number that looks good on screen.

A Full Strategy, Not Just a Rate

Chasing the lowest rate is the most common first home buyer mistake. We build a complete borrowing strategy around your goals, timeline, and financial position, ensuring the right loan structure for your life, not just a number that looks good on screen.

A Full Strategy, Not Just a Rate

Chasing the lowest rate is the most common first home buyer mistake. We build a complete borrowing strategy around your goals, timeline, and financial position, ensuring the right loan structure for your life, not just a number that looks good on screen.

The Process

Getting Your First Home Loan is This Simple

Step 1

Book Your Free Strategy Session

Tell Matthew where you're at. Your savings, your income, your timeline. He'll map out exactly what you can borrow, which government schemes you're entitled to, and what your path to pre-approval looks like. No jargon, no pressure, no obligation.

Step 1

Book Your Free Strategy Session

Tell Matthew where you're at. Your savings, your income, your timeline. He'll map out exactly what you can borrow, which government schemes you're entitled to, and what your path to pre-approval looks like. No jargon, no pressure, no obligation.

Step 2

We Handle Everything

Matthew prepares your full application, selects the right lender from 40+, and manages every piece of paperwork from start to finish. You won't be chasing banks or filling in forms. We do it all so you can focus on finding the right property.

Step 2

We Handle Everything

Matthew prepares your full application, selects the right lender from 40+, and manages every piece of paperwork from start to finish. You won't be chasing banks or filling in forms. We do it all so you can focus on finding the right property.

Step 2

We Handle Everything

Matthew prepares your full application, selects the right lender from 40+, and manages every piece of paperwork from start to finish. You won't be chasing banks or filling in forms. We do it all so you can focus on finding the right property.

Step 3

Walk In as a Confident, Pre-Approved Buyer

With your conditional pre-approval locked in, you can make offers, bid at auction, and negotiate with certainty. You'll know exactly what you can spend, and you'll feel like you've done this before.

5 Star Rated

From 100+ Reviews

Reviews

What Our First Home Buyer Clients Say

Complex situations handled seamlessly, and a team that stays in your corner from start to finish.

Book My Strategy Session

Book My Strategy Session

As first home owners, Matthew went above and beyond to help us find a loan that would set us up for success throughout our home hunting journey. He communicated clearly, was quick in his responses to the many questions we had, and collaborated with our conveyancer to ensure the process ran smoothly. Couldn't recommend Matthew enough. If I could give 10 stars, I would.

BB

Bernalee Brockmann

Verified Client

We originally thought buying a house would be so far out of reach for us but Matthew did all the hard work in making sure it was possible to help us buy our first home. He kept us up to date with everything and made the whole process so easy! In less than 2 months we were able to buy our first home. Would definitely recommend him to anyone looking to buy their first home.

CB

Cameron Bullock

Verified Client

Matthew was so helpful and patient with me from the very first phone call. I didn't think I had a chance but now I'm feeling hopeful. Definitely recommend!

AC

Anna C

Verified Client

Matthew was a great help when we were buying our first home. He made the process effortless and with our weird working hours was able to contact all business remotely.

GS

Georgia Sirec

Verified Client

Matt was incredibly helpful, kind and efficient from the beginning. He took the time to understand my needs and situation. Matt was able to make a complicated process super simple! I highly recommend Matt for your financial needs!

B

Bec

Verified Client

Mathew has gone way beyond to help us. His process of loan preapproval is smooth and extremely systematic. I would highly recommend him.

G

Gauri

Verified Client

Dealing with Matt is a key success factor in finding the best loan and saving you money quickly. He offers fast practical advice that gets you to the finishing line faster.

PB

Peter Bakunowicz

Verified Client

Your First Home Buyer Specialist

Meet Matthew Stack

I've spent years helping first home buyers do what many assumed was out of reach. I know how overwhelming this process feels. The conflicting information, the confusing jargon, the fear of being knocked back. I've seen it with every single client I've worked with.

What I do differently is simple: I take the complexity off your plate entirely. I assess your full situation, identify every government scheme and grant you're entitled to, and match you with the right lender from a panel of 40+... Not just whoever quotes first. My clients don't stress about paperwork or lender negotiations. They focus on finding a home they love while I make sure the finance is sorted.

If you're ready to stop wondering and start moving, I'd love to help.

First Home Buyer Specialist: 5+ years dedicated to helping first-time buyers navigate the loan process from application to settlement

40+ Lender Access: Accredited to compare home loans across more than 40 lenders, including specialist products unavailable directly at major banks

5-Star Track Record: Rated 5 stars across 50+ client reviews, with a proven record of getting first home buyers approved faster than they thought possible

Book My Free Strategy Session

Book My Free Strategy Session

FAQ

Frequently Asked Questions

How much deposit do I actually need to buy my first home?

Not as much as you might think. Through the government's First Home Guarantee, eligible first home buyers can purchase with as little as a 5% deposit, with no Lenders Mortgage Insurance. Depending on your state, you may also be entitled to stamp duty concessions that reduce your upfront costs further. A strategy session with Matthew will confirm exactly what you need to get moving.

What if I'm not sure I can qualify for a loan?

This is the most common concern we hear. Most people are far closer than they realise. Borrowing capacity depends on income, expenses, existing debts, and the type of property you're buying. Rather than guessing, book a free strategy session and Matthew will give you a clear, honest picture of where you stand.

How is Fetch My Home Loans different from going straight to my bank?

Your bank can only offer you their own products. Matthew compares options across 40+ lenders including competitive rates and policies the major banks simply don't advertise. He manages all the paperwork, handles lender communication, and advocates for your application from start to finish. The service is completely free to you, paid by the lender upon settlement.

How quickly can I get pre-approved?

In many cases, conditional pre-approval can be turned around within a few business days once your documents are in order. Matthew will tell you exactly what's needed at your first strategy session and keep the process moving as fast as possible.

What government schemes am I eligible for?

It depends on your income, purchase price, and state. Schemes available include the First Home Guarantee (5% deposit, no LMI), First Home Owner Grant (cash grants in some states), and various stamp duty concessions for first home buyers. Matthew maps all of this at your first session — most clients are entitled to more than they realised.

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