{"id":10678,"date":"2026-02-01T12:39:02","date_gmt":"2026-02-01T12:39:02","guid":{"rendered":"https:\/\/mortera.arcanetify.com\/?page_id=10678"},"modified":"2026-02-01T12:40:11","modified_gmt":"2026-02-01T12:40:11","slug":"first-home-buyer","status":"publish","type":"page","link":"https:\/\/mortera.arcanetify.com\/?page_id=10678","title":{"rendered":"First Home Buyer"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"10678\" class=\"elementor elementor-10678\">\n\t\t\t\t<div data-ekitparallax=\"{&quot;ekit_section_parallax_bg&quot;:&quot;yes&quot;,&quot;ekit_section_parallax_bg_speed&quot;:0.5,&quot;elementor_lazy_load&quot;:&quot;1&quot;}\" class=\"elementor-element elementor-element-1ced9ec e-flex e-con-boxed e-con e-parent\" data-id=\"1ced9ec\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-faf9434 e-con-full e-flex e-con e-child\" data-id=\"faf9434\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ae55dd9 at-heading-animation at-animation-heading-style-2 elementor-widget elementor-widget-heading\" data-id=\"ae55dd9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">FIRST HOME BUYER<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d28207 breadcrumb-item elementor-invisible elementor-widget elementor-widget-elementskit-breadcrumb\" data-id=\"8d28207\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-breadcrumb.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><ol class=\"ekit-breadcrumb\"><li class=\"ekit_breadcrumbs_start\"><a href=\"https:\/\/mortera.arcanetify.com\">Home<\/a><\/li><\/ol><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5700133 e-flex e-con-boxed e-con e-parent\" data-id=\"5700133\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ab43346 e-con-full e-flex e-con e-child\" data-id=\"ab43346\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a293449 e-con-full sticky-column e-flex e-con e-child\" data-id=\"a293449\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a8c75ea e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"a8c75ea\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fe13682 at-heading-animation at-animation-heading-none elementor-widget elementor-widget-heading\" data-id=\"fe13682\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">How We Help First Home Buyers<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-835f15d e-con-full e-flex e-con e-child\" data-id=\"835f15d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2da5f0b ekit-equal-height-disable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"2da5f0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-   \">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Borrowing Assessment                <\/h3>\n                        \t\t  \t<p>We calculate realistic borrowing power based on income, expenses, and deposit.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f09d3b ekit-equal-height-disable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"8f09d3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-   \">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Deposit Options                <\/h3>\n                        \t\t  \t<p>Guidance on low deposit loans, guarantor options, and government schemes.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e24f2a ekit-equal-height-disable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"2e24f2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-   \">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Lender Selection                <\/h3>\n                        \t\t  \t<p>We compare major banks and specialist lenders that suit first home buyers.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72b1e9a ekit-equal-height-disable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"72b1e9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-   \">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Loan Structure                <\/h3>\n                        \t\t  \t<p>We structure loans to reduce costs, improve flexibility, and plan ahead.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d893211 ekit-equal-height-disable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"d893211\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-   \">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Approval Support                <\/h3>\n                        \t\t  \t<p>From pre-approval to settlement, we manage the process end to end.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-439df47 ekit-equal-height-disable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"439df47\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text- icon-lef-right-aligin elementor-animation-   \">\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Clear Guidance                <\/h3>\n                        \t\t  \t<p>Plain English advice so you know exactly what you are signing up for.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-228b176 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"228b176\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:100}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e09d40c elementor-widget elementor-widget-inclub-elementor-template\" data-id=\"e09d40c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"inclub-elementor-template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2bfc508 e-con-full e-flex e-con e-child\" data-id=\"2bfc508\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-36bad5c e-con-full e-flex e-con e-child\" data-id=\"36bad5c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14fe121 project-single-image image-anime at-image-animation at-animation-image-style-1 elementor-widget elementor-widget-image\" data-id=\"14fe121\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2025\/01\/project-1.jpg\" class=\"attachment-full size-full wp-image-9737\" alt=\"\" srcset=\"https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2025\/01\/project-1.jpg 1200w, https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2025\/01\/project-1-300x200.jpg 300w, https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2025\/01\/project-1-1024x683.jpg 1024w, https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2025\/01\/project-1-768x512.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6384d10 e-con-full e-flex e-con e-child\" data-id=\"6384d10\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9dc62f5 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"9dc62f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"0\" data-end=\"265\">Buying your first home is one of the most important financial decisions you will ever make.<br data-start=\"91\" data-end=\"94\" \/>Saving a deposit, understanding bank rules, and competing in a tight market can quickly become overwhelming, especially when every lender seems to say something different.<\/p><p data-start=\"267\" data-end=\"501\">Mortera helps first home buyers make sense of the process from day one.<br data-start=\"338\" data-end=\"341\" \/>We break down what you can realistically afford, how much you can borrow, and which lenders are most likely to approve your application based on your situation.<\/p><p data-start=\"503\" data-end=\"737\">We guide you through deposit strategies, government schemes, LMI options, and lender policies that actually matter.<br data-start=\"618\" data-end=\"621\" \/>Every recommendation is practical, transparent, and aligned with your long-term plans, not short-term sales targets.<\/p><p data-start=\"739\" data-end=\"848\" data-is-last-node=\"\" data-is-only-node=\"\">The goal is simple.<br data-start=\"758\" data-end=\"761\" \/>Remove confusion, reduce risk, and help you secure the right home loan with confidence.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-042d6b8 e-con-full e-flex e-con e-child\" data-id=\"042d6b8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9a0b719 at-heading-animation at-animation-heading-style-2 elementor-widget elementor-widget-heading\" data-id=\"9a0b719\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">OUR CLIENT'S <span>CHALENGE<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3caba84 e-con-full e-flex e-con e-child\" data-id=\"3caba84\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-863e414 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"863e414\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Saving a deposit while managing rising living costs<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Understanding how much they can realistically borrow<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Navigating confusing lender rules and government schemes<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Competing with experienced buyers in a tight market<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d47e371 e-con-full e-flex e-con e-child\" data-id=\"d47e371\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-52b0382 project-entry-image image-anime at-image-animation at-animation-image-none elementor-widget elementor-widget-image\" data-id=\"52b0382\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"413\" height=\"184\" src=\"https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2024\/12\/project-entry-video-img.jpg\" class=\"attachment-full size-full wp-image-3332\" alt=\"\" srcset=\"https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2024\/12\/project-entry-video-img.jpg 413w, https:\/\/mortera.arcanetify.com\/wp-content\/uploads\/2024\/12\/project-entry-video-img-300x134.jpg 300w\" sizes=\"(max-width: 413px) 100vw, 413px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57c6a14 elementor-absolute video-play-button elementor-widget elementor-widget-elementskit-video\" data-id=\"57c6a14\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\t\t<div class=\"video-content\" data-video-player=\"[]\" data-video-setting=\"{&quot;videoVolume&quot;:&quot;horizontal&quot;,&quot;startVolume&quot;:0.8,&quot;videoType&quot;:&quot;iframe&quot;,&quot;videoClass&quot;:&quot;mfp-fade&quot;,&quot;popupIcon&quot;:{&quot;value&quot;:&quot;icon icon-cancel&quot;,&quot;library&quot;:&quot;ekiticons&quot;},&quot;videoStyle&quot;:&quot;popup&quot;,&quot;videoTypeName&quot;:&quot;youtube&quot;,&quot;autoplay&quot;:false,&quot;muted&quot;:false,&quot;loop&quot;:true}\">\n\t\t\t\n<a class=\"ekit_icon_button glow-ripple ekit-video-popup ekit-video-popup-btn\" href=\"?playlist=&amp;mute=0&amp;autoplay=0&amp;loop=1&amp;controls=0&amp;start=0&amp;end=\" aria-label=\"video-popup\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-play\"><\/i>\t\t\n\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-95def0d e-con-full e-flex e-con e-child\" data-id=\"95def0d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-75f2096 section-title at-heading-animation at-animation-heading-none elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"75f2096\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">FREQUENTLY ASKED QUESTIONS<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bbb6d42 at-heading-animation at-animation-heading-style-2 elementor-widget elementor-widget-heading\" data-id=\"bbb6d42\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CLEAR ANSWERS TO <span>YOUR QUESTIONS<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dbb898b e-con-full e-flex e-con e-child\" data-id=\"dbb898b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2accb05 faq-accordion elementor-invisible elementor-widget elementor-widget-elementskit-accordion\" data-id=\"2accb05\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6a2329ba27b63\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-2accb05\">\n                        <a href=\"#collapse-75a17456a2329ba27b63\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-75a17456a2329ba27b63\" aria-expanded=\"true\" aria-controls=\"Collapse-75a17456a2329ba27b63\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">How much can I borrow as a first home buyer?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-minus\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-75a17456a2329ba27b63\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-2accb05\" data-parent=\"#accordion-6a2329ba27b63\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Your borrowing power depends on income, expenses, existing debts, and deposit size. High income alone is not enough. We calculate a realistic range before you start making offers.<\/p><p>\u00a0<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-2accb05\">\n                        <a href=\"#collapse-9f8f9346a2329ba27b63\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-9f8f9346a2329ba27b63\" aria-expanded=\"false\" aria-controls=\"Collapse-9f8f9346a2329ba27b63\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">Do I need a 20% deposit to buy my first home?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-minus\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-9f8f9346a2329ba27b63\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-2accb05\" data-parent=\"#accordion-6a2329ba27b63\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>No. While a 20% deposit helps avoid LMI, many first home buyers purchase with less using low-deposit loans, guarantor options, or government schemes.<\/p><p>\u00a0<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-2accb05\">\n                        <a href=\"#collapse-a07bd606a2329ba27b63\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-a07bd606a2329ba27b63\" aria-expanded=\"false\" aria-controls=\"Collapse-a07bd606a2329ba27b63\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">What government schemes can first home buyers access?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-minus\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-a07bd606a2329ba27b63\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-2accb05\" data-parent=\"#accordion-6a2329ba27b63\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Depending on eligibility, you may access the First Home Owner Grant, stamp duty concessions, or the First Home Loan Deposit Scheme. Rules vary by state and property type.<\/p><p>\u00a0<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-2accb05\">\n                        <a href=\"#collapse-3c2ce136a2329ba27b63\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-3c2ce136a2329ba27b63\" aria-expanded=\"false\" aria-controls=\"Collapse-3c2ce136a2329ba27b63\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">What is LMI and do I have to pay it?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-minus\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-3c2ce136a2329ba27b63\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-2accb05\" data-parent=\"#accordion-6a2329ba27b63\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Lenders\u2019 Mortgage Insurance protects the lender if repayments stop. It usually applies when your deposit is below 20%. Some borrowers can reduce or avoid LMI through specific lenders or professions.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-2accb05\">\n                        <a href=\"#collapse-0d7f4b16a2329ba27b63\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-0d7f4b16a2329ba27b63\" aria-expanded=\"false\" aria-controls=\"Collapse-0d7f4b16a2329ba27b63\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">How long does pre-approval take?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-minus\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-0d7f4b16a2329ba27b63\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-2accb05\" data-parent=\"#accordion-6a2329ba27b63\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Pre-approval can be issued within a few business days once documents are provided. Timeframes vary by lender and complexity.<\/p><p>\u00a0<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-5-2accb05\">\n                        <a href=\"#collapse-dfe67bc6a2329ba27b63\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-dfe67bc6a2329ba27b63\" aria-expanded=\"false\" aria-controls=\"Collapse-dfe67bc6a2329ba27b63\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">Do first home buyers pay broker fees?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-minus\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-dfe67bc6a2329ba27b63\" class=\" collapse\" aria-labelledby=\"primaryHeading-5-2accb05\" data-parent=\"#accordion-6a2329ba27b63\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>In most cases, no. We are paid by the lender after settlement. Any exceptions are explained upfront.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>FIRST HOME BUYER Home How We Help First Home Buyers Borrowing Assessment [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-10678","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/mortera.arcanetify.com\/index.php?rest_route=\/wp\/v2\/pages\/10678","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mortera.arcanetify.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mortera.arcanetify.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mortera.arcanetify.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mortera.arcanetify.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=10678"}],"version-history":[{"count":5,"href":"https:\/\/mortera.arcanetify.com\/index.php?rest_route=\/wp\/v2\/pages\/10678\/revisions"}],"predecessor-version":[{"id":10693,"href":"https:\/\/mortera.arcanetify.com\/index.php?rest_route=\/wp\/v2\/pages\/10678\/revisions\/10693"}],"wp:attachment":[{"href":"https:\/\/mortera.arcanetify.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=10678"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}