Buying a home with no deposit is challenging but possible with a guarantor or if you qualify for certain government-backed schemes. We can help you assess your options and find the best path forward.

Borrowing power is the maximum amount a lender is likely to loan you based on your income, expenses, assets, liabilities, and credit history. It helps determine how much you can afford to borrow for a home loan or investment.

Call us today to know more about the borrowing power.

Possibly. You might qualify for the FHOG, First Home Guarantee, or stamp duty concessions. We can check your eligibility and handle the paperwork.

The First Home Owner Grant (FHOG) is a government scheme that provides a one-time payment to eligible first-time buyers who are purchasing or building a new home. The eligibility criteria and grant amounts vary by state. We can help you understand your eligibility and maximize this benefit.

Different lenders have unique assessment criteria, including how they treat income types (e.g., overtime, bonuses), living expense benchmarks, and credit policies. That’s why your borrowing capacity may vary from one lender to another.

Call us today to know your borrowing power.

Yes. A higher credit score increases your chances of approval and may boost your borrowing power. A poor credit history can reduce it or limit you to fewer lender options with stricter terms.

To increase your borrowing power, consider paying down existing debts, reducing credit card limits, consolidating loans, improving your credit score, declaring all verifiable income, and reducing unnecessary expenses. Contact us today, and we'll guide you through the process to maximize your borrowing potential.

Absolutely. Any existing debts or credit facilities, even unused credit cards are factored into your liabilities and can reduce how much you’re eligible to borrow.

Not quite. Borrowing power is an estimate, while pre-approval is a lender’s conditional offer based on a deeper review of your financials. Pre-approval is a stronger indicator of your loan eligibility.

Yes! At HirOrbit, we compare multiple lenders and structure your application to highlight your strengths, helping you maximise your borrowing power and improve your chances of approval.

Most lenders require a deposit of at least 5–20% of the property value. However, if you're eligible for government schemes or have a guarantor, you may need less.

A fixed-rate loan offers stability with consistent payments, while a variable rate loan can provide flexibility and potential savings if interest rates drop. We can help you compare both options to see which aligns best with your financial goals.

An offset account reduces your loan interest by linking your savings to your mortgage. A redraw facility lets you access extra repayments you've made on your loan.

he FHOG is a government scheme offering a one-time payment to eligible first-time buyers purchasing or building a new home. Eligibility and amounts vary by state.

It depends on your income, expenses, and deposit. We can calculate your borrowing power and explore lenders who support first-time buyers.

If your interest rate is above market, your circumstances have changed, or you want to access equity then refinancing could save you money or help you meet new goals.

Refinancing costs can include discharge fees, new loan setup fees, and government charges. However, many lenders offer cashback deals that can help offset these expenses. We can help you navigate these costs and find the best refinancing option for you.

Yes. Refinancing can help combine personal loans, credit cards, or car loans into your mortgage for easier management and lower interest.

Yes, using a Limited Recourse Borrowing Arrangement (LRBA). SMSF loans have specific structures and condition, we can guide you through the process.

You can typically buy residential or commercial investment property, but the property must comply with superannuation rules e.g., no personal use.

It depends on your fund balance, goals, and long-term strategy. We can work with your accountant or financial planner to assess suitability.

Yes. Pre-approval gives you a clear budget before car shopping and helps you negotiate confidently. We offer both consumer and business car finance.

A secured loan uses the car as collateral and usually has lower rates. An unsecured loan doesn’t require security but may have higher rates.

Not always. Lenders may accept casual, part-time, or self-employment income with supporting documentation.

A broker compares multiple lenders to find you better rates, flexible terms, and faster approvals—tailored to your unique circumstances.

Our service is usually free for borrowers. We get paid by the lender once your loan settles at no additional cost to you.