Rated

Rated

by 150+ First Home Buyers

by 150+ First Home Buyers

Get Pre-Approved for Your First Home. Even If You Think It's Not Possible Yet.

We’ve helped 100+ first home buyers compare mortgage lenders, understand their borrowing power, and get pre-approved for their first home loan without going bank to bank.

We compare lenders for you: Different lenders assess first home buyers differently. We compare mortgage lenders based on your deposit, income, goals, and borrowing position.

You may not need the deposit: You could be eligible to buy with zero deposit and pay no LMI. We check your options upfront, so you know whether you can move now instead of waiting to save a deposit you may not need.

We check every grant and scheme you could be eligible for: Many first home buyers miss out on thousands because they don’t know what to ask for. We review the federal and state options available for your situation before your loan application goes in.

Find Out What You Qualify For

Trusted by First Home Buyers

150+ First Home Buyers Helped.
You Could Be Next.

150+
150+

First Home Buyers Helped Into Their New Home

100m+
100m+

Home Loans Settled

8+
8+

Years Specialising in First Home Buyers

5
5

Star Rated by First Home Buyers

Enquire Now

Enquire Now

Our Partners

Accredited to Compare 40+ Specialist Lenders

Our Solution

Tailored Home Loan
Advice for First Home Buyers

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

Enquire Now

Enquire Now

Whether You Actually Qualify for the 5% Deposit Scheme

The First Home Guarantee sounds simple. The eligibility rules aren't. Income caps, property price limits, lender restrictions: most people assume they qualify and apply through the wrong channel. Matthew checks your actual eligibility first, so you know exactly where you stand before a single form gets touched.

Whether You Actually Qualify for the 5% Deposit Scheme

The First Home Guarantee sounds simple. The eligibility rules aren't. Income caps, property price limits, lender restrictions: most people assume they qualify and apply through the wrong channel. Matthew checks your actual eligibility first, so you know exactly where you stand before a single form gets touched.

Whether You Actually Qualify for the 5% Deposit Scheme

The First Home Guarantee sounds simple. The eligibility rules aren't. Income caps, property price limits, lender restrictions: most people assume they qualify and apply through the wrong channel. Matthew checks your actual eligibility first, so you know exactly where you stand before a single form gets touched.

Whether You Actually Qualify for the 5% Deposit Scheme

The First Home Guarantee sounds simple. The eligibility rules aren't. Income caps, property price limits, lender restrictions: most people assume they qualify and apply through the wrong channel. Matthew checks your actual eligibility first, so you know exactly where you stand before a single form gets touched.

Every State Grant and Concession That Applies to You

NSW, QLD, VIC, WA: the grants are different, the stamp duty concessions are different, the rules are different. Most first home buyers claim one thing and miss two others. Matthew maps every entitlement specific to your state, your purchase price, and your income before your application goes in.

Every State Grant and Concession That Applies to You

NSW, QLD, VIC, WA: the grants are different, the stamp duty concessions are different, the rules are different. Most first home buyers claim one thing and miss two others. Matthew maps every entitlement specific to your state, your purchase price, and your income before your application goes in.

Every State Grant and Concession That Applies to You

NSW, QLD, VIC, WA: the grants are different, the stamp duty concessions are different, the rules are different. Most first home buyers claim one thing and miss two others. Matthew maps every entitlement specific to your state, your purchase price, and your income before your application goes in.

Every State Grant and Concession That Applies to You

NSW, QLD, VIC, WA: the grants are different, the stamp duty concessions are different, the rules are different. Most first home buyers claim one thing and miss two others. Matthew maps every entitlement specific to your state, your purchase price, and your income before your application goes in.

Whether Your Savings Are Already Enough to Buy

Most first home buyers are saving toward 20% because that's what the bank quoted them. Depending on your situation, the real number could be as low as 5%, or nothing at all. Matthew tells you what deposit target actually applies to you, not the generic number the bank gave you.

Whether Your Savings Are Already Enough to Buy

Most first home buyers are saving toward 20% because that's what the bank quoted them. Depending on your situation, the real number could be as low as 5%, or nothing at all. Matthew tells you what deposit target actually applies to you, not the generic number the bank gave you.

Whether Your Savings Are Already Enough to Buy

Most first home buyers are saving toward 20% because that's what the bank quoted them. Depending on your situation, the real number could be as low as 5%, or nothing at all. Matthew tells you what deposit target actually applies to you, not the generic number the bank gave you.

Whether Your Savings Are Already Enough to Buy

Most first home buyers are saving toward 20% because that's what the bank quoted them. Depending on your situation, the real number could be as low as 5%, or nothing at all. Matthew tells you what deposit target actually applies to you, not the generic number the bank gave you.

Which Lender Will Get You Approved and Honour the Scheme

Not every lender participates in every scheme. Not every lender who does will assess your income the same way. Matthew compares across 40+ lenders, including specialists the major banks don't tell you about, and picks the one that maximises what you can borrow while locking in every scheme entitlement.

Which Lender Will Get You Approved and Honour the Scheme

Not every lender participates in every scheme. Not every lender who does will assess your income the same way. Matthew compares across 40+ lenders, including specialists the major banks don't tell you about, and picks the one that maximises what you can borrow while locking in every scheme entitlement.

Which Lender Will Get You Approved and Honour the Scheme

Not every lender participates in every scheme. Not every lender who does will assess your income the same way. Matthew compares across 40+ lenders, including specialists the major banks don't tell you about, and picks the one that maximises what you can borrow while locking in every scheme entitlement.

Which Lender Will Get You Approved and Honour the Scheme

Not every lender participates in every scheme. Not every lender who does will assess your income the same way. Matthew compares across 40+ lenders, including specialists the major banks don't tell you about, and picks the one that maximises what you can borrow while locking in every scheme entitlement.

Your Pre-Approval, So You Can Actually Make Offers

Knowing you probably qualify is different from a lender confirming it in writing. Matthew gets your pre-approval locked in so when you find a property, you can make an offer, bid at auction, and negotiate without the finance question hanging over you.

Your Pre-Approval, So You Can Actually Make Offers

Knowing you probably qualify is different from a lender confirming it in writing. Matthew gets your pre-approval locked in so when you find a property, you can make an offer, bid at auction, and negotiate without the finance question hanging over you.

Your Pre-Approval, So You Can Actually Make Offers

Knowing you probably qualify is different from a lender confirming it in writing. Matthew gets your pre-approval locked in so when you find a property, you can make an offer, bid at auction, and negotiate without the finance question hanging over you.

Your Pre-Approval, So You Can Actually Make Offers

Knowing you probably qualify is different from a lender confirming it in writing. Matthew gets your pre-approval locked in so when you find a property, you can make an offer, bid at auction, and negotiate without the finance question hanging over you.

Plain English, Every Step of the Way

Application prep, lender negotiations, government scheme paperwork, settlement coordination - Matthew handles all of it and keeps you across every step in language that actually makes sense. You never have to chase anyone or wonder what's happening next.

Plain English, Every Step of the Way

Application prep, lender negotiations, government scheme paperwork, settlement coordination - Matthew handles all of it and keeps you across every step in language that actually makes sense. You never have to chase anyone or wonder what's happening next.

Plain English, Every Step of the Way

Application prep, lender negotiations, government scheme paperwork, settlement coordination - Matthew handles all of it and keeps you across every step in language that actually makes sense. You never have to chase anyone or wonder what's happening next.

Plain English, Every Step of the Way

Application prep, lender negotiations, government scheme paperwork, settlement coordination - Matthew handles all of it and keeps you across every step in language that actually makes sense. You never have to chase anyone or wonder what's happening next.

The Process

We Handle the Complex Parts. You Focus on Finding a Home You Love.

Step 1

Find Out Where You Stand

Tell Matthew where you're at. Your savings, your income, your state, your timeline. He maps every government scheme you qualify for, clarifies exactly what you can borrow, and shows you what a realistic path to your first home looks like from here.

Step 1

Find Out Where You Stand

Tell Matthew where you're at. Your savings, your income, your state, your timeline. He maps every government scheme you qualify for, clarifies exactly what you can borrow, and shows you what a realistic path to your first home looks like from here.

Step 2

We Handle Everything

Matthew prepares your full application, selects the right lender from 40+, secures every grant and scheme you're entitled to, and manages every piece of paperwork from start to finish. You don't chase anyone.

Step 2

We Handle Everything

Matthew prepares your full application, selects the right lender from 40+, secures every grant and scheme you're entitled to, and manages every piece of paperwork from start to finish. You don't chase anyone.

Step 2

We Handle Everything

Matthew prepares your full application, selects the right lender from 40+, secures every grant and scheme you're entitled to, and manages every piece of paperwork from start to finish. You don't chase anyone.

Step 3

Walk In as a Confident, Pre-Approved Buyer

With your loan pre-approved and your grants locked in, you can make offers, bid at auction, and negotiate knowing exactly what you can spend, and exactly how much you saved getting there.

5 Star Rated

From 150+ Reviews

Reviews

What Our First Home Buyers Say

Clients who needed the best first time home buyer mortgage found the same thing: clear advice, no jargon, and a result that actually happened.

Enquire Now

Enquire Now

As first home owners figuring out home mortgage first time buyer options, 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 Google Review

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 Google Review

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 Google Review

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 Google Review

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 Google Review

Mathew has gone way beyond to help us. For anyone navigating first mortgage home lending, his process is smooth and extremely systematic. I would highly recommend him.

G

Gauri

Verified Google Review

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

PB

Peter Bakunowicz

Verified Google Review

Your First Home Buyer Specialist

Meet Matthew Stack

Most of my clients come to me after spending weeks on government websites and still not having a clear answer. They're not sure if they qualify for the First Home Guarantee. They don't know what state grants apply to them. They're not even sure they're close enough to buy yet.

That's exactly where I start. I map every federal and state scheme you're entitled to before anything else, so you know exactly what's available to you, what your deposit really needs to look like, and what your borrowing capacity actually is. Not a generic number. Your number.

From there, I handle everything. Lender selection from 40+, application prep, government scheme paperwork, negotiations, all of it. My clients don't stress about the process. They focus on finding a home they love.

Dedicated First Home Buyer Mortgage Broker: 8+ 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 150+ client reviews, with a proven record of getting first home buyers approved faster than they thought possible

Enquire Now

Enquire Now

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, speak to Matthew and he will give you a clear, honest picture of where you stand.

How is Fetch My Home Loan 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 realise.

U 5 202 MILPERRA RD MILPERRA NSW 2214 AUSTRALIA

U 5 202 MILPERRA RD MILPERRA NSW 2214 AUSTRALIA

MATTHEW JAMES STACK trading as Fetch First Home Buyers (ABN 21 733 016 024 / Australian Credit Representative 524471 is a credit representative of LMG BROKER SERVICES PTY LTD (ABN 67 632 405 504 / Australian Credit License 517192)

MATTHEW JAMES STACK trading as Fetch First Home Buyers (ABN 21 733 016 024 / Australian Credit Representative 524471 is a credit representative of LMG BROKER SERVICES PTY LTD (ABN 67 632 405 504 / Australian Credit License 517192)

MATTHEW JAMES STACK trading as Fetch First Home Buyers (ABN 21 733 016 024 / Australian Credit Representative 524471 is a credit representative of LMG BROKER SERVICES PTY LTD (ABN 67 632 405 504 / Australian Credit License 517192)

Copyright © 2026 Fetch My Home Loans. All rights reserved. Privacy Policy

Copyright © 2026 Fetch My Home Loans. All rights reserved. Privacy Policy