Buying your first home is a big step — and you don't have to do it alone. We explain every option in plain English and find a loan that gets you into the market sooner.
From understanding how much you can borrow to navigating government schemes, we make your first purchase clear and far less stressful.
We help you understand your borrowing capacity and the deposit you'll realistically need so you can plan with confidence.
We help you understand first home buyer grants and government schemes you may be eligible for, and how they affect your purchase.
A family guarantee can help you buy with a smaller deposit and may reduce or avoid lenders mortgage insurance — we structure it properly.
No confusing terminology. We walk you through each step so you always understand what's happening and why.
We've guided many first home buyers across Sydney from their first question to settlement day.
We start by understanding your goals, savings and timeline — no pressure, just helpful guidance.
We work out how much you may be able to borrow and what deposit you'll need, including any schemes you may qualify for.
We compare 40+ lenders to recommend a loan suited to a first home buyer's needs and budget.
We manage your application and paperwork, and stay by your side right through to the day you get the keys.
First home buyers often feel overwhelmed by the process — that's exactly where a good broker earns their keep. We take the time to explain your choices, prepare your application carefully, and advocate for you with lenders.
Founded by Kevin Oliveira, who brings more than 10 years of experience across Australian finance and banking, OLEND puts your interests first — finding the right loan for you, not the easiest one for us. We help clients right across Sydney, including the North Shore, Hills District, Inner West, Eastern Suburbs, Northern Beaches and Parramatta.
Answers to the questions Sydney clients ask us most about buying your first home.
Many lenders look for around 5% to 20% of the purchase price, plus costs such as stamp duty. A larger deposit can mean more options and may help you avoid lenders mortgage insurance, but there are also low-deposit pathways — including family guarantees and government schemes — that we can talk you through.
First home buyers in NSW may have access to grants and schemes that assist with deposits or reduce upfront costs. Eligibility depends on factors like the property value and your circumstances. We'll help you understand which schemes may apply to you and how they fit your purchase.
LMI is an insurance some lenders require when your deposit is below a certain threshold, and it protects the lender — not you. A family guarantee or a larger deposit may reduce or avoid it. We'll show you the trade-offs so you can decide what's best.
Yes. A family guarantee allows a family member to use equity in their property as additional security, which can help you buy sooner with a smaller deposit. We structure these carefully and make sure everyone understands their obligations.
It varies depending on your situation and the property, but we keep things moving and keep you informed at every stage. Getting pre-approval early helps you shop with confidence.
Yes — we work with first home buyers across Sydney, including the North Shore, Hills District, Inner West, Eastern Suburbs, Northern Beaches and Parramatta, as well as clients elsewhere in NSW.
Real reviews from OLEND's Google listing. Rated 5.0 from 21 Google reviews.
"As a first-home buyer, I couldn't have asked for a better mortgage broker! Kevin was always available and incredibly quick to respond to any and all of my questions. He was very helpful throughout the entire process and always kept me well informed. I couldn't recommend Kevin enough!"
"I was a first home buyer with very little knowledge on the entire process and then Kevin from OLEND entered my life. He has been nothing short of amazing — his advice and patience with me was so greatly appreciated. I couldn't recommend his services highly enough. I couldn't have done it without his help."
"Kevin is a great broker and has helped me throughout my journey of getting the home loan. He has some wonderful relationships with banks that get the work done in just the blink of an eye! Highly recommended :)"
Ready to take the first step towards owning your home? Share a few details and Kevin will be in touch — usually within 24 hours. There's no cost and no obligation.
