Unlock Your First Home Dream with Kandid Loans – Sydney’s Trusted Independent Mortgage Broker

Buying your first home is one of life’s biggest milestones—but for many Australians, saving a large deposit can be a major hurdle. That’s where the First Home Loan Deposit Scheme (FHLDS) comes in. At Kandid Loans, your trusted independent mortgage broker in Sydney, we help first-home buyers access government-backed schemes, competitive home loan interest rates in Australia, and personalised lending solutions that make homeownership a reality.

What is the First Home Loan Deposit Scheme?

The First Home Loan Deposit Scheme (now part of the Home Guarantee Scheme) is a federal government initiative designed to support first-time buyers by reducing the deposit needed to purchase a home. Traditionally, lenders require a 20% deposit to avoid paying Lenders Mortgage Insurance (LMI). With this scheme, eligible buyers can purchase a home with as little as 5% deposit, with the government acting as a guarantor for the remaining 15%.

At Kandid Loans, we guide you through the application process and help you determine whether you're eligible. We compare lenders that participate in the scheme and find you competitive offers suited to your income, budget, and long-term goals.

Plan Smarter with Our Home Loan Borrowing Calculator

Uncertain of the maximum amount you can afford to borrow?  Our home loan borrowing calculator makes it easy to estimate your borrowing power based on your income, expenses, and financial commitments. It’s a valuable tool for first-home buyers who want to start planning and saving realistically.

Find Australia's Best Home Loan Interest Rates 

Interest rates vary significantly between lenders. As an independent mortgage broker, Kandid Loans has access to a wide panel of banks and non-bank lenders. We compare home loan interest rates in Australia to find you the best possible deal—whether you're buying your first home or refinancing an existing loan.

Looking Beyond the Banks? We’ve Got You

Don't worry if you don't fit the rigid requirements of traditional banks. We offer access to home loan private finance solutions for clients who are self-employed, have non-standard income, or require flexible lending. Our team works hard to match you with a loan that suits your individual circumstances.

Thinking About Refinancing?

Refinancing can be a smart move if you're looking to reduce your monthly repayments, switch to a lower interest rate, or access equity. See how much you could save by using our home loan refinance calculator. At Kandid Loans, we stay up to date with the latest home loan refinancing offers to help you get the most value from your loan.

Why Choose Kandid Loans?

  • Independent advice tailored to your needs

  • Access to over 40 lenders and exclusive home loan deals

  • Transparent guidance through every step of your home loan journey

  • Specialised in first-home buyers and refinancing solutions

  • Based in Sydney, helping locals find financial freedom

Buying your first home? Need a better rate? Let Kandid Loans be your partner in the process. As your reliable independent mortgage broker in Sydney, we help you navigate every step—from schemes to savings, approvals to peace of mind.

Read More: https://kandidloans01.blogspot.com/2025/04/why-choosing-independent-mortgage.html
Location: Baulkham Hills NSW 2153, Australia

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