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Break the Barriers to Homeownership

Whether you’re looking to buy an existing home or build a new home — it’s important to maximise your First Home Owner incentives.

Our loans help you maximise the government grants available to you.

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Your loan type:

Buy Your First Home
Build Your First Home
Rent-Invest Your First Home
Co-ownership
New Australian
Care Worker
Professional Worker
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Is the Aussie Dream Out of Reach?

Sick of banks making you jump through hoops?

Welcome to a World Where All Roads Lead to Your First Home Loan

Powered by Oliver Hume, My First Loan is here to guide you on a proven path to homeownership, using innovative and out-of-the-box lending methods that help you get into the market faster.

#MFL Success Tracker

Simplify Your Finances 
Accelerate Your Journey
Achieve homeownership faster

Buying your first home can feel overwhelming. With so many financial details to track — bank accounts, loans, savings — it's easy to feel lost. Not knowing where you stand financially can hold you back from making your homeownership dream a reality.


No one should miss out on the opportunity to own a home simply because they don’t have the right tools to stay organised and track their progress.


Managing your finances while saving for a home can be confusing and stressful. It's hard to know how close you are to your goal, and without a clear roadmap, reaching homeownership can seem impossible.


Introducing #MFL Success Tracker — the ultimate tool designed to help first home buyers stay organised and reach their homeownership goals with confidence.


With #MFL Success Tracker, you can:

Link all your finances

Bank accounts, credit cards, loans, super and investments all in one place with automatic updates.

Set personalised savings goals

Stay motivated with gamification features that help you achieve your targets faster.

Securely store important documents

Easily upload and share documents for your future loan application with your First Loan coach.

Trust in full security and privacy

Your data is fully encrypted and private, with complete control over who has access.

#MFL Success Tracker makes navigating the path to homeownership simpler, faster, and more achievable.

MyFirstLoan success tracker tool

Plan Your Homeownership Journey

Take control of your home buying journey. Use these tools to discover your borrowing power, calculate loan repayments, estimate stamp duty, and plan your budget with ease.

Calculating borrowing power

With You for the Long Haul

Coaching, mentoring, and guiding you every step of the way.

Over 70 years providing homes for Aussies, backed by Oliver Hume.

Backed by an award-winning non-bank lending group with a loan portfolio of over $16 billion
 

360+ staff In Australia, the UK and Philippines

Frequently asked questions

  • Lenders Paid LMI means the lender covers the Lenders Mortgage Insurance cost, saving you thousands in upfront fees and making it easier to secure a home with a smaller deposit.

  • The time varies based on your circumstances but typically takes a few hours to a few weeks. Once approved, it’s valid for 3 to 6 months

  • If your full loan application is declined, it’s important not to apply to multiple lenders immediately. Instead, you may need to improve your credit score, adjust your property search or gather more documentation. Our specialists can help you understand why the application was denied and advise on next steps

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John Doe, Job Description

“Cras blandit orci eros, eu aliquam turpis malesuada ut. Sed eleifend accumsan sagittis. Aliquam erat volutpat. Cras consectetur ex a nibh vehicula malesuada. Ut vitae quam felis. Duis suscipit euismod felis at hendrerit. Donec tristique pretium lorem.”

John Doe, Job Description

“Cras blandit orci eros, eu aliquam turpis malesuada ut. Sed eleifend accumsan sagittis. Aliquam erat volutpat. Cras consectetur ex a nibh vehicula malesuada. Ut vitae quam felis. Duis suscipit euismod felis at hendrerit. Donec tristique pretium lorem.”

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Join Our Mission to Make Homeownership a Reality for Everyone

Read Success Stories

Your Guide to Affordable Homeownership

1

Meet Your Coach

Let us pair you with a dedicated home loan coach. They’ll provide  guidance to help you through the home buying process.

2

Create a Savings Plan

Your coach will estimate your borrowing power and provide budgeting advice, made easy with our MFL Success Tracker app, so you can save confidently for your new home.

3

Get Your Loan

When you're ready, apply for and secure the loan you need to purchase your first home.

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Join Our First Home Masterclass

Discover how to break through the barriers to homeownership with a better loan

Own Your Home, Sooner Than You Think

With My First Loan, we help you get in with a smaller deposit and guide you every step of the way. We make homeownership a reality for those who feel shut out by the big banks
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