Get the ex-banker's shortcut to navigating deposits, borrowing power, and state grants. Understand what banks really look for and position yourself to win.
Calculate your realistic borrowing power
Understand the 5% deposit pathway & FHSS
Learn what banks *really* look for in applications
Instant access via email
"Finally, a guide that explains the actual steps clearly."
— Ben R., First Home Buyer
Thousands of Australians are using this guide.
Buying your first home often involves hitting these common hurdles. Sound familiar?
"Rent is high, saving feels slow. Do I really need 20%? How can I speed this up?"
"So many steps, so much jargon. Where do I even begin? Who actually knows the process?"
"What are banks *really* looking for? What if my situation isn't straightforward?"
"I think I might be ready to buy, but I'm not sure. How do I know if I actually qualify right now?"
This guide provides the practical steps to overcome these hurdles, no matter your state.
Get Your Free Guide Now
The practical, step-by-step plan from an ex-banker. Navigate the Australian property market, understand your options, and learn proven strategies.
"After years inside the banks, I know how confusing the process can be. I wrote this guide to give you the direct, actionable insights you need, no matter which state you're buying in."
Jai Raynor
Founder, Raynor Lending (Ex-Banker)
Practical breakdowns of the essential info for Australian first home buyers:
Understand the key grants and concessions available in your state/territory - eligibility, amounts, and how to apply.
Explore how the 5% deposit pathway works and other options like FHSS to reach your goal faster.
Learn what Australian lenders assess beyond just your income and how to position your application effectively.
"I used to be a banker. I saw firsthand how first home buyers got overwhelmed every day. People needing guidance but getting lost in the system. Who deserved better."
"That's why I started Raynor Lending Solutions. Because everyone needs someone in their corner. We're here to guide you through every step, connect you with the right people, and help you make your first home dream a reality. No jargon. No games. Just clear guidance and support."
Credit Representative Number 563088
Australian Credit Licence Number 384704
See how structured guidance made the difference for first home buyers:
"Met Emma, 24, who thought she'd be renting until she was 40. 'I kept seeing house prices and thinking it was impossible.' Three months after our first chat, she was picking up keys to her own place."
Emma P.
First Home Buyer, Sydney
"Lauren, 25, thought she needed $100,000 saved. After one strategy session, we found her a lender who approved her with just $35,000 down. Now she's building equity instead of paying rent."
Lauren B.
First Home Buyer, Melbourne
"We were totally lost with all the grants and bank rules. Jai's guide explained the actual process. Getting that breakdown was the first step to buying."
Mark & Tina
First Home Buyers, Perth
Just the facts about the guide:
Yes, 100%. No catch, no hidden fees. We believe good information should be accessible. Consider it our way of helping you get started on the right foot.
Just pop your first name and email in the form above (or below). We'll email it to you instantly. Check your spam/promo folder if it doesn't land in your main inbox within a minute.
Absolutely! The guide covers principles that apply across Australia and includes specific sections for different state/territory grants and incentives. We've made sure it's valuable no matter where you're buying.
No. The guide provides useful information regardless of whether you use a broker. Our hope is that if you find it valuable, you might consider our broking services when you're ready. But there's zero obligation.
Download the ex-banker's guide to understand the process, grants, and finance options available for first home buyers across Australia.
Download Your Free Guide Now!Join thousands of Australians who started with this guide
