First Home Buyer Loans
Grants, government home-buyer schemes and lender policy explained in plain English, so your first purchase feels less like guesswork.
Mortgage Brokers · Sydney, NSW
Home loans, navigated with a clear head and a steady hand.
Shoreline Broking compares, negotiates and manages your home loan across 40+ lenders — so you move forward with confidence, not confusion. One conversation, the whole market, no cost to you.
★★★★★ 4.9/5 from 60+ reviews*
40+ lenders on our panel
No cost — paid by the lender
40+
Lenders compared side-by-side on your behalf
$0
Cost to you — we're paid by the lender, not you
4.9/5
Average client rating across 60+ reviews*
What we arrange
A loan for every stage of the property journey
Whatever you're financing, we shortlist the lenders whose policy and pricing actually suit your situation — then manage the process end to end.
Refinancing
A regular health check on your rate and structure, so you're never quietly paying more than you should.
Investment Property Loans
Loan structures built for growth — offset, interest-only and multi-property strategies weighed up properly.
Construction & Building Loans
Progress payments, valuations and lender timing coordinated so your build stays on schedule.
Next Home & Upgrader Loans
Bridging finance and borrowing capacity worked out before you fall in love with the next place.
Commercial & Business Lending
Finance for the premises, equipment or cash flow your business needs to keep moving.
Why work with us
One broker, the whole market
01
Whole-of-market comparison
We're not tied to one bank, so recommendations are based on what suits you — not a sales target.
02
No cost to you
Our fee is paid by the lender once your loan settles. You get expert help without an invoice.
03
Plain-English guidance
No jargon, no fine print left unexplained. You'll know exactly what you're signing, and why.
04
Support after settlement
We check in on your rate every year, so you're not the last to know when a better deal appears.
"My job isn't to sell you a loan. It's to make sure you understand every option, then get out of your way."— Glen Vilo, Founder & Principal Broker, Shoreline Broking
How it works
Five steps from first chat to settled loan
We keep you informed at every stage — no chasing us for updates.
01
Chat
A no-obligation 15-minute conversation about your goals, timeline and borrowing power — no forms, no pressure.
02
Compare
We shortlist the loans that actually fit, drawn from a panel of 40+ banks and lenders.
03
Apply
We prepare and lodge your application, and chase the supporting paperwork so you don't have to.
04
Approve
We liaise directly with the lender, track your file and keep you posted at every step.
05
Settle & beyond
We stay in touch after settlement with annual rate reviews, so your loan keeps working for you.
Try it yourself
I want to calculate…
Five quick tools to sanity-check your numbers before you book a chat. All estimates only — see the note under each result. Get in touch with us before taking out a loan, so we can give you advice tailored to your situation.
Tell us about you
0
Rental and other income is shaded to 80% before it's counted, matching common lender practice.
Auto-estimated from your household below — adjust to match your actual budget.
Loan preferences
You may borrow up to
$0
$0Est. repayment / mo
$0Monthly surplus
Assessed net income (monthly)$0
Living expenses & debts (monthly)$0
Assessment rate used0.00%
A simplified, indicative estimate only — it uses general tax and living-expense assumptions, not your actual lender's servicing calculator or HEM benchmarks. Your real borrowing power depends on full lender assessment. Not financial advice.
Your current loan
Current repayment — monthly
$0
Your refinance offer
New repayment — monthly
$0
$0Saved / month
0 moBreak-even
Total interest — stay put$0
Total interest — refinance$0
Interest saved over term$0
Assumes both loans are Principal + Interest, paid monthly. Doesn't account for LMI, valuation costs or rate changes. An estimate only — not a loan quote.
Base loan calculation
Standard repayment — monthly
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$0Total repaid
$0Interest paid
Pay it down faster
How your balance shrinks over time with today's settings.
Original schedule
With your changes
Time saved
0 years
Interest saved
$0
Original total repaid$0
Original interest charged$0
Base loan$0
Adjust to pay it down faster
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$
This is a simplified estimate for illustration only — it doesn't account for fees, rate changes or lender-specific offset rules, and isn't a loan quote or financial advice.
Property details
Calculated for NSWEstimated duty payable
Standard transfer duty
$0
0.00%Effective rate
$0FHB saving
Standard duty (no concession)$0
First home buyer concession$0
Duty payable$0
Based on current NSW transfer duty rates and the First Home Buyers Assistance thresholds ($800k full exemption / $1m concession cutoff for homes; $350k / $450k for vacant land). Rates are indexed and change periodically — confirm your exact figure with Revenue NSW or your conveyancer before exchanging.
Your funds
Your purchasing power
Maximum purchase price
$0
$0Loan used
$0Deposit used
Stamp duty (NSW, at this price)$0
Other purchase costs$0
Total available funds$0
Purchasing power = your borrowing capacity plus deposit, less estimated stamp duty (NSW rates) and other purchase costs. An indicative estimate only — not a loan quote or financial advice.
Glen Vilo
Founder & Principal Broker
Glen Vilo founded Shoreline Broking in 2026 after 15 years in banking and finance, wanting to give borrowers the kind of clear, unhurried advice the big banks rarely have time for.
Since then, the Shoreline team has helped first home buyers, upgraders and investors across Sydney secure loans that suit their lives — not just a lender's targets.
Glen Vilo is a Credit Representative (Number 528750) of LMG Broker Services Pty Ltd ACN 632 405 504, Australian Credit Licence 517192. Member, Mortgage & Finance Association of Australia (MFAA).
About Shoreline
Straightforward advice from someone who's been in your position
"Buying property shouldn't feel like a second job. We handle the comparison, the paperwork and the follow-up — you make the decisions, with all the facts in front of you."— Glen Vilo
Client stories
What clients say after settlement
Sample reviews shown for layout — replace with your own client testimonials.
★★★★★
"Shoreline made our first home purchase feel manageable. We had no idea where to start and came out the other side actually understanding our loan."
J. & T. — First home buyers, [Suburb]
★★★★★
"Refinanced within three weeks and saved a meaningful amount off our rate. Communication was excellent the whole way through."
M. Nguyen — Homeowner
★★★★★
"As a self-employed client I'd been knocked back twice before. Shoreline found a lender who understood my situation and got it done."
R. Patel — Investor
Good to know
Frequently asked questions
Is your service really no cost to me?
Yes. In almost every case we're paid a commission by the lender once your loan settles — there's no fee charged to you for our advice or service.
How long does approval usually take?
It varies by lender and how complex your situation is, but conditional approval typically lands within a week or two of a complete application. We'll give you a realistic timeline once we know your details.
Can you help if I'm self-employed?
Yes — we regularly work with self-employed borrowers and know which lenders take a more sensible view of business income.
What's the difference between using a broker and going straight to my bank?
A bank can only offer you their own products. We compare across 40+ lenders, so you can see how your bank's offer actually stacks up before you commit.
Do you only deal with the big four banks?
No — our panel includes major banks, second-tier lenders and specialist lenders, so we can match you with whoever's policy and pricing actually suits your situation.
Get in touch