Skip to content
(03) 6144 9669
Mortgage Superheroes

Your first home, without the second knock-back.

Hearth Hero does one thing: gets first home buyers approved. Small deposit, casual shifts, a decline already on file — that is the normal starting point here, not a problem.

Book Hearth HeroCheck My Borrowing

  • 500+

    First home loans settled

  • 5%

    Deposits we work with

  • $0

    Cost to you

Hearth Hero, the first home buyer specialist, in cape and mask
Is this your hero?

Who Hearth Hero is for

We would rather tell you now than waste your first call.

Book Hearth Hero if

  • You have never owned property in Australia

  • Your deposit is somewhere between 5% and 20%

  • Your income is casual, part-time or recently changed

  • A lender has already said no and nobody explained why

  • You want to know which grants and schemes you qualify for

Ask for someone else if

  • You already own and want a better rate — that is Rate Renegade

  • You are borrowing against equity — that is Equity Guardian

  • Your income is from your own business — that is SME Bro

Not sure? Book anyway. We move you to the right hero on the first call and nobody starts again from scratch.

Easy Process

Heroes On Standby For your every needs!

Book a hero today for heavy lifting. Our specialists find the right deal and secure your dream house faster and with less stress.

Contact Now

  1. Book a free Call

    Tell us your goal. We listen, no jargon, and map what's actually possible for you.

  2. First Timer Lenders

    Not every lender likes casual income or a 5% deposit. We only take you to the ones that do, and we pre-check the policy before lodging.

  3. Approved to settled

    We manage the application to settlement and stay on call long after you move in.

First home buyers

Loved by people who thought they couldn't

Every one of these had a deposit they were told was too small.

  • Two banks knocked us back. Our hero got us approved in under two weeks — we're in our first home.

    PS
    Priya & SamFirst home buyers · Hobart

  • Two brokers told me a 5% deposit meant waiting another year. Ours had the approval through without the wait.

    TM
    Tessa M.First home buyer · Launceston

  • Casual income, a small deposit, and nobody had explained why the first bank said no. Ours did, then fixed it.

    DR
    Dev & Anita R.First home buyers · Wollongong
First home questions

What every first timer asks

No question is too basic — most of these come up on the first call.

We regularly settle at 5%, and lower with a guarantor or an eligible government scheme. Below 20% you normally pay lenders mortgage insurance — we show you the cost both ways so you can decide whether waiting is worth it.

The other five

Different situation? Different hero.

Same free call, same panel of 40+ lenders.