FIRST HOME BUYER?
THIS IS HOW TO WIN IN 2026
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Start Your Journey Towards Home Ownership With Total Confidence
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Here’s What Our Clients Say!
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EXCEPTIONALLY KNOWLEDGEABLE
We had an outstanding experience working with our mortgage broker, Nikolas Allan, and we couldn’t be more grateful for his support throughout the entire process. From the very first conversation, it was clear how exceptionally knowledgeable he is. He guided us with confidence, clarity, and genuine care, which made a huge difference, especially as newcomers to the property market.
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AMAZING EXPERIENCE
We’ve used Kingfisher Finance Group a couple of times now and the experience has been nothing short of amazing! From start to finish, the team were professional, attentive and genuinely committed to finding the best solution for our situation. Everything was clearly and thoroughly explained throughout the entire process, which made what can be a stressful experience feel straightforward and manageable.
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AWESOME SERVICE
I couldn’t be happier with the service I received from Kingfisher Finance during the purchase of my first home . From start to finish, the communication was clear, prompt, and reassuring. The level of knowledge and support provided made the entire process feel seamless, especially as a first-time buyer with little understanding of how it all worked.
SECURE YOUR PERSONAL FINANCE SESSION TODAY
Your Path to Homeownership Made Simple With Our Process
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Discovery
During our initial discovery call, we will ascertain your overall loan objectives, income breakdown, deposit/assets, and other important financial information. This allows us to tailor our recommendations and ensure the lending strategy aligns with your long-term financial goals.
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In-depth research
We conduct in-depth market research to identify the most competitive and tailored lending solutions for you. By assessing your credit profile upfront, we help streamline the process and set you up for a successful outcome. This proactive approach ensures a smoother journey from application to approval.
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Proposal & Recommendations
Our comprehensive strategy report will outline our detailed recommendations, providing clear insights into each aspect of the plan. We’ll guide you through the key points, ensuring you fully understand the proposed approach and how it aligns with your goals.
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Application Submission
We’ll work with the lender you choose to package, sign, and lodge your application for assessment, handling the legwork to get you approved. Throughout the process, we’ll keep you informed and proactively manage any requirements to ensure a smooth approval.
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Settlement day
Settlement is when you legally take ownership of the property, and the lender releases the money to the seller. We’ll be there for you during the settlement process to confirm everything has run smoothly.
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Together for the long haul
This is just the beginning of our partnership. Our ambition is to help your financial future thrive. We’ll be in regular contact with you to check in on your situation and make sure your loan continues to work hard for your changing situation and goals.
Meet Nik, your finance specialist
NIKOLAS ALLAN
Mortgage & Finance Broker
Nik combines technical expertise with a clear, client-first approach to help first-home buyers feel confident at every step. With a strong background in engineering and leadership, he uses data-driven problem solving and smart, structured planning to uncover the best lending options for each client.
He’s skilled at breaking down complex scenarios, building strategic spreadsheets, and finding ways to maximise borrowing power, making the process easier to understand and less overwhelming.
Passionate about making finance approachable, Nik focuses on clarity, transparency, and support so first-home buyers can make informed decisions with confidence.
Connect with Nik:
frequently asked questions
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Our services are completely free for you as a buyer. We’re paid by the lenders, not by you. Our role is to help you secure the right loan and set up the right strategy from the very beginning.
We’re also bound by the Best Interest Duty, which means we have a legal obligation to act in your best interest at all times.
It’s important to know that banks don’t have the same obligation. They are not required to put your best interests first. That’s why having us on your side makes a real difference.
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Not necessarily! Depending on your circumstances, you may be able to buy with as little as a 5% deposit by using certain government schemes.
If you have support from a parent or close family member, they may be able to act as a guarantor, which could allow you to purchase a property without needing a deposit at all.
And if these options aren’t available, you may still be able to enter the market by paying Lenders Mortgage Insurance (LMI). In some cases, certain professionals can even qualify for an LMI exemption, helping you save thousands.
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That’s completely fine, many people are in the same boat. This initial consultation helps us understand your goals so we can walk you through both options and what works best for you.
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Yes, having some debt doesn’t automatically stop you from buying. We’ll look at your full financial picture and show you what’s possible.
Some lenders have even started excluding HECS/HELP debt for eligble borrowers, giving some people a big boost in borrowing capacity.
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Once we’ve collected the right information, pre-approvals can often be arranged within a few days. The earlier you start, the sooner you’ll know your buying power.
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Absolutely! Even if your goal is 6–12 months away (or longer), speaking with a broker early can make a big difference.
By understanding your borrowing power, the deposit you’ll need, and any government schemes you may be eligible for, you’ll be able to plan and save with confidence. So when the time is right, you’re ready to move quickly.
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That’s exactly what we help with. Our first chat should give us enough info to calculate some initial figures and give you clarity.