Honestly, "best" depends on what you need. A broker who's brilliant with property investors isn't automatically the right fit for someone buying their first place with a modest deposit and a head full of questions. What's worth looking for is someone who's seen the market move both ways, isn't tied to a single bank, and actually returns your calls. Ali Mehboob has spent 19 years across banking, home loans, insurance and wealth management, and Noor Finance compares loans from over 30 lenders. We're an award-winning mortgage broker in Campbelltown and Rosemeadow, and a lot of our first home buyers come from right here. The real test is a 30-minute conversation. If you walk out knowing what you can borrow and what to do next, you've probably found your broker.

Yes. Ali is a Pakistani mortgage broker in Campbelltown, and he works with first home buyers in Urdu and Punjabi as well as English. That matters more than people expect. Home loan terms are confusing even in your first language, and the decision rarely belongs to one person. Parents, in-laws and siblings often want to understand every detail too. When everyone can ask questions in the language they're comfortable with, nobody ends up nodding along to something they didn't follow. The lender paperwork is still in English, but we go through each document with you so nothing comes as a surprise.

Often less than you'd think. Since 1 October 2025, the federal First Home Guarantee (now also called the 5% Deposit Scheme) has no income caps and no limit on places, and the Sydney price cap is $1.5 million. In plain terms, if you've saved 5% and the property is under the cap, the government backs the rest of the 20%. You skip Lenders Mortgage Insurance, which can otherwise add tens of thousands to your costs. NSW adds its own help on top. First home buyers get a full stamp duty exemption up to $800,000 and a reduced rate above that, plus a $10,000 grant if you're buying or building a new home under the limit. Rules and caps do change, so we check the current figures with you before you start house hunting. Not every lender takes part in the guarantee either, which is where having a broker pays off.

You can, but it works differently from a standard mortgage, so it helps to go in with realistic expectations. Shariah-compliant home loans in Australia aren't a normal loan with the interest crossed out. They're built on structures like lease-to-own or a cost-plus purchase, and there are far fewer providers than in the conventional market. As an Islamic finance broker, Ali explains how each option actually works, what deposit you'll need and what you'll pay overall, so you can compare it against a regular loan using real numbers. Halal home loans in Australia also come with their own eligibility rules, and access to government schemes varies by provider. We check that early rather than assume.

You can, but how you apply changes. Self-employed buyers often earn well and still look average on paper once deductions are counted. Lenders will want tax returns, BAS statements or an accountant's letter. Low doc home loans exist for exactly this situation, usually at a slightly higher rate, so we only suggest one when a standard loan really won't work. Doctors and other professionals sit at the other end. Some lenders offer home loans for doctors and professionals with higher borrowing limits and even LMI waivers on small deposits, though these policies shift often. Either way, knowing which lender reads your type of income most favourably can save you months and a few declined applications.

No. We're based in Campbelltown, but first home buyers come to us from across Sydney, including the Sydney Hills district, the Eastern Suburbs and the Northern Beaches. Buying in those areas is a different game from the south-west. Prices are higher, deposits stretch further, and the lender and scheme you choose matter a lot more. If you're a professional looking in the Hills, for example, we'll look at lenders with professional packages first. Our service costs you nothing. The lender pays us after settlement, and we're required to act in your best interests.