Find a Mortgage Broker Near You — Free
We connect you with experienced Australian mortgage brokers who put your interests first — not the bank's. Compare 30+ lenders in one conversation.
Why use a broker instead of going direct to your bank?
Access to 30+ lenders
A broker compares hundreds of loan options across dozens of lenders to find your best deal. Your bank only shows you their own products.
They do all the paperwork
Your broker manages the entire application process, chases the bank and keeps you updated so you don't have to.
It costs you nothing
Brokers are paid by the lender when your loan settles. You pay zero fees. The service is completely free to you.
Brokers typically save Australian first home buyers $5,000 to $15,000 over the life of a loan through better rates and sharper fee negotiations. The reason is simple access: 30+ lenders on one panel versus a single bank's product shelf. For the full breakdown of what a broker does and why it matters for first home buyers, read our why use a mortgage broker guide.
Get Matched With a Trusted Broker
Free. No obligation. Brokers respond within 24 hours.
What happens next?
Fill in your details
Takes 60 seconds. Name, email, phone, state and where you are in your journey.
We match you
A NestPath vetted broker who specialises in first home buyers will review your details.
They contact you
Your broker reaches out within 24 hours with honest, no-obligation advice.
Brokers we trust with our community
At Planet Home Loans we provide tailored finance solutions to meet each customer’s individual needs. With over 15 years’ experience in home lending, we are ready to help you take the next step.
Divine Mortgage and Finance helps first home buyers navigate the lending process with expert guidance and access to over 25 leading lenders. From borrowing capacity to settlement, they’ll be with you every step of the way.
Orange Mortgage & Finance Brokers has been operating for over 15 years and is not part of a franchise or bank which means I work for you. If you want an experienced, tailored and thoughtful advice, I'm here to help. Specialising in first home buyers across Perth metro and WA regional.
Our partners are independent brokers. NestPath receives a referral fee at no cost to you.
First home buyers who found their broker through NestPath
"I called my bank first and they told me I could borrow $480,000. My NestPath broker found me $610,000 with a better rate. I would never have known the difference."
"Honestly thought using a broker would be complicated. Filled in the form on a Sunday night, had a call Monday morning. Settled on our first home 8 weeks later."
"My HECS debt scared me off applying anywhere. The broker NestPath connected me with had dealt with it before and knew exactly how to structure my application."
Mortgage Broker Fees — What Do Brokers Actually Charge?
Most mortgage brokers in Australia don't charge you anything. They earn a commission from the lender when your loan settles — typically 0.5% to 0.7% of the loan amount upfront, plus an ongoing trail commission of around 0.15% per year.
For a $500,000 home loan, that means the broker earns roughly $2,500–$3,500 from the lender — not from you. Some brokers charge a fee for complex lending scenarios (self-employed, bad credit, commercial loans), but for standard first home buyer loans, the service should be completely free.
Always confirm upfront: "Do you charge any fees?" A good broker will say no for a straightforward first home purchase.
Mortgage Broker vs Bank — Which Is Better for First Home Buyers?
A bank can only offer you their own products. A mortgage broker compares dozens of lenders to find the best rate and structure for your situation. For first home buyers, this matters because:
- Access to 30+ lenders: Brokers compare rates from major banks, credit unions, and non-bank lenders — many of which you'd never find on your own.
- HECS/HELP debt handling: Some lenders treat HECS more favourably than others. A broker knows which ones.
- Government scheme expertise: First Home Guarantee, state grants, stamp duty exemptions — a good broker navigates all of these for you.
- Free service: Banks don't charge you directly either, but their interest rates may be higher because they're not competing against other lenders.
The short answer: for first home buyers, a broker almost always gets you a better deal than walking into a single bank.
How to Find the Right Mortgage Broker
Not all brokers are equal. Here's what to look for as a first home buyer:
- First home buyer experience: Ask how many first home buyers they've helped in the last 12 months. You want someone who does this regularly, not occasionally.
- Panel size: The more lenders on their panel, the more options for you. Look for 25+ lenders minimum.
- Communication style: Your broker should explain things in plain English, not jargon. If they can't explain LMI in one sentence, find someone else.
- No pressure: A good broker presents options and lets you choose. If they push one lender hard, ask why.
NestPath matches you with brokers who specialise in first home buyers — for free. Fill in the form below and we'll connect you with a vetted broker in your area.
For the full list of questions to ask at your first meeting and red flags to watch for, read our how to choose a mortgage broker guide.