First Home Buyer
Stamp-duty guidance, government grants, and low-deposit options designed to get you the keys sooner.
Start your journey
Now settling loans in as little as 48 hours
Making Home Ownership Possible.
From your first set of keys to building a property portfolio, Elevate Financial Group guides first-home buyers, investors, and homeowners to the right mortgage — clear advice, sharper rates, and a team that handles the paperwork for you.
4.9/5 from 2,400+ reviews
Pre-approval
Approved ✓
Your new rate
5.89% p.a.
↓ saves $312/mo$0
In home loans settled
0
Homeowners helped
0
Average client rating
0
Typical pre-approval
Comparing 40+ of Australia's leading lenders
Summit Bank
Harbour Lending
National Trust
Meridian
Atlas Mutual
Crest Financial
Solutions for every stage
The right loan, tailored to you
Whatever your goal — buying your first home, growing a portfolio, or paying less each month — we match you with a structure built around your numbers.
Investment Loans
Structure your portfolio the smart way with interest-only, trust, and offset strategies built for growth.
Grow your portfolioRefinancing
Lower your rate, unlock equity, and consolidate debts. Our clients save thousands a year on average.
Check your savingsFinancial Planning
Beyond the loan — protect, grow, and future-proof your wealth with holistic advice from one trusted team.
Plan your future
The Elevate process
From first chat to front door, we do the heavy lifting
One conversation, one application, dozens of lenders. Here's how your path to approval unfolds.
1
Tell us your goals
Share your situation in a free, no-obligation 15-minute call with a dedicated broker.
2
We do the heavy lifting
We compare 40+ lenders, handle every document, and negotiate the sharpest rate on your behalf.
3
Get approved & move in
Secure formal approval, sign with confidence, and pick up the keys to your new home.
Borrowing power calculator
Live estimateProperty price $850,000
Deposit 20%
Interest rate 5.89%
Loan term 30 years
Estimated monthly repayment
$0 /mo
50%interest
Indicative only. Your broker will confirm a precise figure based on your full financial picture.
Why homeowners choose Elevate
A smarter way to finance your home
We work for you, not the banks — combining real human expertise with technology that moves fast.
Save thousands
Access wholesale rates and lender discounts your current bank simply won't offer you directly.
One team, end to end
Your dedicated broker stays with you from the first call right through settlement and beyond.
Approval in 48 hours
Tech-driven pre-approval means you can make an offer with confidence, fast — before someone else does.
Truly unbiased advice
Recommendations based purely on your goals — never on which lender pays the highest commission.
40+ lenders compared
One application unlocks dozens of lenders — we filter the noise and present only the best outcomes.
Lifetime support
Free annual loan health-checks keep your mortgage working as hard as you do, year after year.
Loved by homeowners
Real keys, real stories
“As a first-home buyer I was completely lost. The team at Elevate explained everything in plain English, found me a grant I didn't know existed, and got me approved in four days. I'm typing this from my own lounge room.
Priya Sharma
First-home buyer, Melbourne
“I refinanced my investment loans through Elevate and dropped my rate by almost a full percent. They restructured everything into a trust setup that's already saving me at tax time. Genuinely the best financial decision I've made.
Marcus Lee
Property investor, Sydney
“After my divorce I needed to refinance and honestly dreaded the whole process. My broker was patient, kind and relentless. I now pay $380 less every month and finally feel financially secure again.
Danielle Carter
Homeowner, Brisbane
Transparent & simple
Expert guidance that's free for you
Our service is always at no cost to you — we're paid by the lender you choose, with no hidden fees, ever.
First Home Buyer
$0 / service
Everything you need to buy your first home with confidence and maximum support.
- Borrowing capacity assessment
- Grant & stamp-duty eligibility check
- Full application & paperwork handled
- Dedicated first-home specialist
Most popular
Refinance & Save
$0 / service
Switch to a sharper rate and put the savings back in your pocket — every single month.
- Free rate-comparison across 40+ lenders
- Equity release & debt consolidation
- Switch with zero break fees where possible
- Settled in as little as 4 weeks
Investor & Grow
$0 / service
Portfolio lending and wealth strategy for investors building long-term, tax-smart growth.
- Investment & interest-only structuring
- Trust & company entity lending
- Offset & cross-collateralisation strategy
- Integrated financial planning advice
No obligation. No hidden costs. We're remunerated by your chosen lender — never by you.
Questions, answered
Everything you need to know before you start
Ideally 20% of the purchase price to avoid Lenders Mortgage Insurance, but many clients buy with as little as 5–10% deposit. We'll map out your exact options — including low-deposit loans and government schemes — during your free assessment.
Yes. In the vast majority of cases you pay nothing for our service — we're paid a commission by the lender you choose to settle your loan with. There are no hidden fees, and our recommendations are always based on what's best for you.
With documents ready, our clients often receive conditional pre-approval within 48 hours. Formal (unconditional) approval typically follows in 1–2 weeks once a property is found and valued. We keep you updated at every step.
Absolutely. We specialise in self-employed and contractor lending, including low-doc and alt-doc loan options. We'll structure your application to present your income accurately and access lenders who understand how you really earn.
In most cases, yes. We run a free loan health-check comparing your current rate against 40+ lenders, factoring in any break costs. On average our refinancing clients save thousands a year — we'll only recommend a switch if the numbers genuinely work for you.
Just ID, recent payslips or tax returns, and statements for your savings and any existing debts. Don't worry about having everything perfect — your broker will send a simple checklist and help you gather what's needed, step by step.
Your free assessment
Let's make your move happen
Tell us a little about your goals and a dedicated broker will be in touch within one business day. No pressure, no jargon — just a clear plan to get you home.
Free, no-obligation 15-minute consultation
Personalised borrowing-power estimate
A clear, step-by-step path to approval
Thank you — you're in!
Your request has been received. A dedicated Elevate broker will reach out within one business day.