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First home buyers · Australia-wide

Stop guessing what you can afford — find out what you can really borrow.

Most first home buyers shop blind, or miss grants worth thousands. In a free, no-obligation check, Rana works out your real borrowing power and every government scheme you may qualify for — before you fall in love with a home you can't yet reach.

  • 🔒 No obligation
  • ⚡ 2-minute enquiry
  • 🏆 Licensed credit adviser
  • 🇦🇺 Australia-wide
  • 📋 No credit check to enquire
See what you could borrow
Free · No credit check to enquire · Rana will call you back
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Got it — you're all set

Your details are with Rana. She'll call you shortly to walk through your borrowing power and the grants you may qualify for. No obligation, no pressure.

★★★★★ Trusted by first home buyers Australia-wide · every state & territory $0 cost to you
The first-home maze

You're not bad with money.
The system is just confusing.

If buying your first home feels harder than it should, you're not imagining it. Here's what trips up most first home buyers:

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Online calculators give you a rough guess — then the bank says something completely different, and you've wasted weeks looking in the wrong price range.

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There are first-home grants and schemes worth thousands — but they change by state and by situation, and most people never find out which ones apply to them.

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Every lender has different rules. On your own, you're guessing which one will actually say yes — and a knockback can hurt your file.

While you wait and wonder, prices move and the goalposts shift. Not knowing your options is quietly costing you time.

The fix isn't saving harder or guessing better. It's getting a clear, honest read on where you actually stand — from someone who does this every day.

What the free check gives you

A clear picture — no sales pitch

One short call with Rana, and you'll leave knowing exactly where you stand and what's possible.

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Your real borrowing power

A proper figure based on your income, expenses and deposit — so you shop in the right range from day one, not a rough online guess.

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Every grant & scheme you may qualify for

First Home Guarantee, state grants, stamp-duty concessions — Rana checks what actually applies to your situation, in your state.

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A clear next step

Ready now or saving for later, you'll leave knowing exactly what to do next — and what to avoid.

Simple process

Here's what happens when you enquire

No credit check to enquire. No commitment. Just a straight conversation about your options.

STEP 01

Tell us your situation

Takes about two minutes — just the basics so Rana can map your real options before she calls.

STEP 02

Rana calls you back

Your dedicated first-home specialist works out your borrowing power and checks the grants and schemes that fit you.

STEP 03

You decide

You get your options in plain English, with the trade-offs. No pressure — you choose if and how to proceed.

Rana Fokas, First Home Buyer Specialist at SGB Finance
Meet your specialist

Rana Fokas

First Home Buyer Specialist · SGB Finance

Buying your first home doesn't have to be overwhelming. Rana helps first home buyers understand their options, access available grants and government schemes, maximise their borrowing potential, and step into the market with confidence.

She sits on your side of the table, knows the first-home schemes inside out, and handles the paperwork — at no cost to you.

Is this for you?

This is worth a free check if…

Sound like you? The check is free and takes two minutes to start.

Straight answers

Common questions

Is it really free?
Yes. There's no cost to you for the check or for Rana's help — as a mortgage broker, SGB Finance is paid by the lender if and when a loan settles, not by you. You're under no obligation to proceed.
Will this affect my credit score?
No. The initial check is a conversation about your options. No credit check is run just to give you guidance.
What grants might I qualify for?
It depends on your state, your situation and the property. Common ones include the First Home Guarantee, state first-home grants and stamp-duty concessions. Rana checks what actually applies to you rather than giving a generic list.
I've only just started saving — is it too early?
Not at all. Knowing your real numbers early is exactly what helps you save toward the right target instead of guessing. Plenty of people we talk to are 6–12 months out.
What happens after I enquire?
Rana gives you a call, works through your borrowing power and eligible schemes, and lays out your options in plain English. You decide if and how to move forward — no pressure.

Your first home might be closer than you think

Take two minutes to find out your real borrowing power and the grants you may qualify for. Free, no obligation, no credit check to enquire.

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