Buying your first home
Understand deposits, affordability, agreements in principle, and the documents lenders usually expect.
First-time buyers and home movers
Your home, your way.
Clear whole-of-market advice for buyers who want a mortgage route that feels less tangled.
First-time buyer and home mover guidance
Deposit, affordability, and lender criteria support
Simple next steps from enquiry to application
Adviser reviewed
Residential Mortgages
Clear next steps
Whole
Market research
1:1
Adviser guidance
Clear
Next steps
Service details
What this service helps with.
Residential mortgage advice should make the next decision easier: what you can borrow, which lenders fit your profile, and what needs to happen before an application is submitted.
Moving home
Compare options for porting, new borrowing, changing property value, and planning the chain around your timing.
Application readiness
Check credit profile, income evidence, property details, and lender criteria before moving forward.
Benefits and information
The useful bits, made easier to compare.
Less jargon
Clear explanations of rates, fees, deposits, affordability, and what each stage means.
Lender fit
Advice shaped around your income, deposit, credit history, and property type.
Practical timing
Help with what to do before an offer, after acceptance, and before completion.
Protection awareness
A chance to review cover around your home, income, and family plans.
Information checklist
What we normally look at.
The exact documents and checks depend on your circumstances, but these points keep the conversation focused.
Deposit and affordability position
Agreement in principle guidance
Property and lender criteria checks
Application documents and next steps
How it works
A simple route from enquiry to next step.
Tell us the goal
Share whether you are buying first, moving, or comparing possible options.
Check the numbers
Review deposit, income, credit profile, and likely monthly budget.
Compare routes
Look at suitable lender options and discuss the trade-offs clearly.
Move to application
Prepare the documents and keep the next steps organised.
Home mortgage enquiries
Tell us where you are in the home buying journey.
Send a home mortgage enquiry and SRC will review your plans, budget, deposit, location, and the best next step for your circumstances.
Home buying review
Deposit, income, property plans, timescale, and lender criteria.
Affordability view
A practical look at budget, monthly payments, and next documents.