First home?
Let's make it make sense.
Grants, guarantees, low-deposit pathways — Sequel works with first home buyers to build a clear, realistic plan for your first purchase.
Whether you're using the First Home Guarantee, a family guarantor, or just your own savings, we'll tell you exactly where you stand before you talk to a single bank.
You don't need to know
all this. That's our job.
Every one of these trips people up on their first purchase. None of them mean you're not ready — you just haven't had it explained properly yet.
The deposit gap
You've been saving, but you're not sure if it's enough — or if there's a faster way in with a guarantee or scheme you don't know about yet.
Grants & schemes, decoded
First Home Guarantee, stamp duty concessions, First Home Super Saver — we tell you plainly what you actually qualify for, not just what exists.
Family guarantor loans
Mum, dad or family helping with a guarantee? We structure it properly so everyone understands the risk and it's set up to protect them too.
“Genuine savings” confusion
Lenders have specific rules about what counts as genuine savings. Get this wrong and your approval can stall right when it matters.
"You didn't do anything wrong. Your file is just more complicated than a form can explain — and complicated files need someone who reads past the first page."
We take the files other brokers pass on — and everything in between.
Complex file or straightforward one — refinance, investment, first home or the harder cases — every application gets the same rigour, which means we know exactly which of our 40+ lenders will actually say yes.
Specialist, not generalist
Self‑employed, defaults, ATO debt and career breaks are every day for us — right alongside refinances, investment loans and first home buyers.
Strategy before paperwork
We map your full picture and tell you what's realistic before a single form goes near a lender.
40+ lender panel
Including specialist and non‑bank lenders who price your file properly instead of by a checkbox.
A straight answer, fast
You'll know what's actually possible before you hand over a single document — no runaround.
Meet Adam,
Lending Director.
Adam started Sequel after a career as a professional athlete, where income never looked like a regular payslip and contracts changed year to year. Being taken seriously by a bank meant something different when your file didn't look like everyone else's.
He's been self-employed since 2017 and knows firsthand what it's like to run a business, carry a mortgage, and still not fit neatly into a lender's checklist. These days he's a husband and dad to two boys — and he built Sequel to be the broker he wishes he'd had: someone who reads the whole picture before deciding what's possible.
"I've sat on the other side of the desk, explaining my own file to a lender. I built Sequel so no one has to explain themselves twice."
Four steps to a straight answer.
No paperwork to start, no credit check, no judgement about how you got here.
Tell us your situation
A two-minute form about your income and your goal. Completely private, no credit check.
Get a straight answer
A specialist calls you back and walks through what's realistically possible for your file.
We build the case
The right lender, the right documents, presented properly the first time — not the tenth.
Approved, not just applied
One plan, one lender who fits your file, and someone who stays on it until it settles.
See your numbers before you talk to anyone.
The Sequel Check is a free 60-second pre-check — built for exactly these scenarios. Answer a few questions and get an instant read on your borrowing power.
What the check gives you
An instant, honest read — not a generic checklist.
- An estimated borrowing power, calculated on the spot
- A straight fit rating — strong, workable, or needs a closer look
- Built for self-employed, defaults, ATO debt and career-break files
- No credit check, zero cost, zero obligation
Illustrative example — your result will be based on what you tell us.
Takes about 60 seconds. Indicative estimate only — not a credit approval.
You're probably wondering.
It depends on the scheme and lender — some pathways only need 5%, sometimes less with a guarantor. We'll work out the real number for your situation, not a generic rule of thumb.
Eligibility depends on income, property price caps in your state, and whether you've owned property before. We check this against the current rules for you as part of the process.
Often, yes. A family guarantee can reduce or remove the deposit you need and avoid Lenders Mortgage Insurance. We'll explain exactly what it means for your family before anyone signs anything.
Most lenders want to see funds held and building over at least three months — but the exact rules vary by lender, which is exactly why this trips people up. We'll tell you what your file needs.
Almost always, yes. Most first home buyers underestimate what's possible once grants, schemes and the right lender are factored in. Let's find out before you rule yourself out.
No. The form above is just information you share with us — nothing is pulled from a credit bureau. A formal credit check only happens later, once you've decided to move forward with a specific lender. Talking to us costs nothing and touches nothing on your file.
We call within 24 hours of receiving your details, or the next business day if you get in touch over the weekend. Prefer a set time? Let us know on the call and we'll lock one in.
Let's find out what's
actually possible.
Two minutes. No credit check. No judgement about how you got here — just a straight answer.
