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Matched same day
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“Most services introduce you and step away. We stay involved to make sure it actually works.”
- Thomas Rochford
Co-Founder of EMMA Mortgage Match
First home loan help explained
What does a first home loan broker do in Australia?
A first home loan broker helps you find and secure the right home loan for your situation.
Instead of going to one bank, a broker looks across multiple lenders to compare rates, policies, and options. They’ll explain how much you can borrow, guide you through the application, and help you avoid common mistakes first home buyers make.
Most importantly, a good broker makes things simple. They explain everything in plain English and help you feel confident at each step.
Is it better to use a mortgage broker or a bank?
When you go directly to a bank, you’re only seeing one set of products.
A mortgage broker gives you a broader view. They compare different lenders, structures, and approval policies to find something that actually fits your situation, not just what one bank can offer.
For first home buyers, this can make a big difference. Some lenders are better suited to low deposits, others are more flexible with income or grants. A broker helps you navigate those differences and avoid wasting time applying in the wrong place.
And because brokers deal with lenders every day, they know how to position your application properly, which can improve your chances of approval.
How does EMMA match you with the right broker?
We don’t just connect you with any broker, we match you with someone who suits your situation.
It starts with a few quick details about what you’re trying to do. From there, we look at factors like your goals, timeline, and level of experience, and pair you with a broker who regularly works with first home buyers like you.
Once matched, your broker will reach out directly to introduce themselves and guide you through the next steps. We also stay involved behind the scenes to make sure everything runs smoothly.
How long does it take to get a home loan in Australia
Most clients are matched with a broker within a few hours.
From there, your broker will usually make contact the same day or shortly after to have an initial conversation and understand your situation in more detail.
Pre-approval can take anywhere from a couple of days to a couple of weeks, depending on your circumstances and the lender. Your broker will keep things moving and let you know what to expect at each stage.
5.0 rating from happy clients
"Had a fantastic experience with EMMA Mortgage Match. They connected me with a great broker who really understood my needs, explained everything clearly, and made the whole process stress-free."
We’ll match you with someone like this
We work with a small group of experienced Perth brokers, selected for their ability to deliver the right outcome, not just any loan.
Simon
Straightforward, outcome-focused, gets things moving.
Jemma
Friendly, clear, guides you step by step.
Thomas
Calm, explains things simply, easy to deal with.
We’ll match you with the broker best suited to your situation.
Helping first home buyers across Australia
We match clients in Perth, Sydney, Melbourne, Brisbane and across Australia with brokers who understand their local market and lender requirements.
National coverage: Adelaide · Brisbane · Canberra · Gold Coast · Melbourne · Perth · Sydney · Tasmania
How Emma works in 3 simple steps
Get started in under 60 seconds.
Tell us about your situation
Share a few quick details so we understand what you need.
01
We match you with the right broker
Based on your situation not just who’s available.
02
Move forward with confidence
Your broker guides you from start to finish.
03
Free · No obligation
Common questions we get asked
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