The ex-banker's shortcut to deposits, borrowing power, and state grants. What banks actually look for and how to position yourself.
Calculate your realistic borrowing power
Understand the 5% deposit pathway & FHSS
Learn what banks *really* look for in applications
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"Finally, a guide that explains the actual steps clearly."
— Ben R., First Home Buyer
Thousands of Australians are using this guide.
These questions come up in almost every conversation. 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 walks through the practical steps, no matter your state.
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The practical, step-by-step plan from an ex-banker. How the Australian property market works, what your options are, and what to do next.
"After years inside the banks, I know how confusing this process looks from the outside. This guide breaks down what you need to know, no matter which state you're buying in."
Jai Raynor
Founder, Raynor Lending (Ex-Banker)
The essential info for Australian first home buyers, broken down by topic:
The key grants and concessions available in your state/territory. Eligibility, amounts, and how to apply.
How the 5% deposit pathway works and other options like FHSS to reach your goal faster.
What Australian lenders assess beyond just your income and how to position your application.
Real experiences from real people - straight from Google
The facts:
Yes. No catch, no hidden fees. Good information should be accessible. This is how we help people get started.
Pop your details in the form. We'll email it instantly. Check your spam folder if it doesn't show up in 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 is useful whether you use a broker or not. If you find it valuable, you might consider our services when you're ready. No obligation.
The ex-banker's guide to the process, grants, and finance options available for first home buyers across Australia.
Download your free guideThousands of Australians started with this guide
