Ready to Stop Renting and Own Your First Home Sooner?
Get Your First Dream Home With Just 5% Deposit and Pay No LMI.* Apply Your Free First Home Buyer Strategy Consultation.
Owning a home doesn’t have to feel out of reach. With the Australian Government’s Home Guarantee Scheme, eligible buyers may:
Enter the market with only a 5% deposit*
Avoid paying Lenders Mortgage Insurance (LMI)*
Access a wide panel of approved lenders through the scheme
Benefit from higher property price caps across Australia*
Apply with no waiting list or scheme delays
Buying Your First Home Shouldn’t Feel Impossible
Dear First Home Buyer,
We understand how difficult it can be to save a 20% deposit in today’s market.
By the time you have saved enough, property prices may have risen again and pushed your dream home out of reach
LMI can also add tens of thousands to your total costs.
Many Australians feel stuck renting instead of taking the next step.
Fortunately, the updated First Home Buyer Guarantee (part of the Australian Government’s Home Guarantee Scheme) can make things easier.
With this program, you may be able to:
Purchase with as little as a 5% deposit*
Pay no Lenders Mortgage Insurance (LMI)*
Access more homes with higher property price caps*
Apply without worrying about income limits
Secure a place with no waiting list
Here’s how it works:
Complete your free consultation form
We review your eligibility and goals
You receive tailored loan options from participating lenders
We guide you through every step until settlement
Our service is completely free because lenders pay us, not you
Intelligent Financial Solutions Team
Empowering Australians with Smart Lending Solutions
Guiding Australians Into Home Ownership With Care
We have helped thousands of Australians achieve their dream of home ownership through smart, personalised lending solutions. With access to over 75 partnered lenders, including major banks and specialist providers, we deliver expert guidance, genuine care, and practical results that make a real difference for individuals, couples, and families across the country.
Muppidi Sahaja Reddy
Had great experience working with Sandy! Being first home buyer, I didn’t have much time before the settlement and didn’t have the pre approval. Sandy gave the confidence and got everything ready in time. Settlement successfully happened today, very happy. 100% recommend, you don’t need to have any doubt, you’ll get the best service you’re looking for.
Veronika Podušková
I had a great experience working with Sandy! Super friendly, efficient, and always available to answer any questions. From what seemed almost impossible, with so many obstacles along the way, Sandy helped turn it into a reality- successful purchase! If you're looking for a reliable broker, Sandy is the one to contact!
Rebecca Humphries
Sandy was absolutely fantastic to work with. Super friendly, easy to talk to, and really took the time to walk me through everything, no question ever felt like a dumb one. He was patient, explained things clearly, and always made sure I understood my options. I really appreciated how he tailored his recommendations to what actually mattered to me, and gave me multiple options when I couldn’t decide. Great communication, always easy to reach, and just genuinely helpful from start to finish. Highly recommend!
James McCallum
I am extremely satisfied with the work Sandy and his team do. After a very stressful process dealing with lots of other brokers and not being able to borrow enough, Sandy not only made the process very simple but was able to increase my borrowing power significantly compared to other brokers. Their services are unmatched, you won’t be disappointed!
Why First Home Buyers Choose Us
Buy with as little as a 5% deposit*
No Lenders Mortgage Insurance (LMI)*
Higher property price caps now available*
Access to more than 60 lenders
Faster approvals with professional guidance
End-to-end support from start to finish
No cost to you as we are paid by the lender
Proven track record helping first home buyers
Trusted Expertise. Personal Guidance Every Step of the Way.
Intelligent Financial Solutions Team
Empowering Australians with Smart Lending Solutions
At Intelligent Financial Solutions, we believe every Australian should have the opportunity to own a home that feels right for them.
Founded in 2022, our Sydney-based team was created with a clear purpose: to guide everyday Australians through the home loan process with clarity, care, and confidence.
Buying a property is a major life step. It can be exciting, but it can also feel complicated.
Our team is here to make it easier. We take the time to understand your goals, explain your options clearly, and find a loan that suits your situation.
Each member of our team brings experience, integrity, and a genuine focus on helping clients achieve their property goals. We value open communication and personal support from your first conversation right through to settlement.
At Intelligent Financial Solutions, we see ourselves as partners in your journey — helping you make informed choices and build a stronger financial future, one home at a time.
Here’s How We Make the Process Simple
STEP 1
Fill out our free consultation form
Our free consultation form captures just the key info. No paperwork, no documents needed upfront.
STEP 2
Jump on a quick call with our team
We going to assess your goals, situation and requirements. We confirm your eligibility and explain how the scheme works in plain language.
STEP 3
Connect With Lenders
After the consultation call, we will present your loan options from participating lenders and prepare your application.
STEP 4
Choose your deal, and we do the rest
We’ll take care of the paperwork, liaise with the lender, and keep you updated at every step.
Why Choose Us Over Going Direct To A Bank
With Intelligent Financial Solutions HELP
Buy with just 5% deposit*
Pay $0 in LMI*
Get access to multiple participating lenders
Tailored solutions for first home buyers
Faster approvals and support
Typical Bank Experience
Usually need up to 20% deposit*
Pay thousands in LMI*
Limited to one bank’s options
One-size-fits-all products
More paperwork and longer waits
| Feature | Traditional Bank | Alberto Curiel - The Finance Man |
|---|---|---|
| Contract/Shift Income | Often declined | Fully supported |
| Number of Lenders | 1–2 options | 60+ lenders |
| Personal Broker Support | Not guaranteed | Always included |
| Cost To Use | May vary | Free |
| Process Speed | Often delayed | Efficient & clear |
| Bilingual Help (Spanish) | Rare | Sí, disponible |
Disclaimer: Your actual home loan rate may vary based on your individual circumstances. Speak to one of our expert brokers for a personalised quote.
Common Questions from First Home Buyers
Do I really need a 20% deposit?
Not always. If you qualify for the First Home Buyer Guarantee, you could buy with as little as 5% deposit.*
Will I need to pay LMI?
Eligible applicants may not need to pay LMI under the scheme.*
Are there income or price limits?
Yes, but these have increased, allowing more buyers to qualify.
What property value can I purchase?
It depends on your state or territory. Property caps have been raised to include a wider range of homes.*
How long does the process take?
Most applicants receive their initial assessment within one business day.
Take the First Step Toward Your New Home
This isn’t a sales pitch or a high-pressure form.
Your first home could be closer than you think.
With the First Home Buyer Guarantee (part of the Australian Government’s Home Guarantee Scheme), you may be able to purchase your first property sooner, save thousands in LMI, and enter the market with just a 5% deposit.*
The scheme is now available to all eligible first home buyers.
There’s no need to wait for limited release periods, and with higher property price caps across Australia, it’s easier to find a home you love that qualifies.*
Don’t put your plans on hold any longer.
Start your journey toward home ownership today.
Consultation spots are limited, so if you’re ready to see what’s possible, now is the perfect time to begin.
Copyright © 2025 – Intelligent Financial Solutions
Intelligent Financial Solutions Pty Ltd | ABN 37 126 553 900 | Australian Credit Licence Number 390222
*Eligibility for the First Home Buyer Guarantee is subject to lender criteria and government policy. For further information refer to www.housingaustralia.gov.au/first-home-guarantee. Saving from LMI waivers, deposit requirements, and other benefits are examples only. Individual results may vary. The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.