Your First Home Starts
With the Right Strategy
— Not Just a Pre-Approval
Micah Finance is Australia’s #1 First Home Buyer partner, giving you honest advice, smart strategies, and a simple, stress-free path to securing your first home.
Where are you in your home-buying journey?
Pick the option that feels closest.
We’ll guide you from there — no commitments and no credit checks.
Already Pre-Approved
I want guidance to secure the right property with confidence.
The Fastest Path to Your First Home
There’s a lot of noise out there — but the steps are actually simple when you break them down.
Here’s the proven path most first-home buyers follow:
Get Clear
on Your Budget
Know exactly what you can afford and where you can realistically buy.
Find the
Right Property
Shortlist on-market and off-market opportunities that fit your goals.
Understand
Your Finance Path
Compare lenders, grants and deposit options without affecting your credit.
Secure the Property
With Confidence
Get a strong pre-approval and a negotiation or auction strategy that works.
EXCELLENTTrustindex verifies that the original source of the review is Google. Easy to work with we now have a new van and a new car coming plus or investment property were it all startedPosted onTrustindex verifies that the original source of the review is Google. Erik was great, kept me informed throughout and made the process so easy and efficient. Highly recommended.Posted onTrustindex verifies that the original source of the review is Google. We went with Erik based on strong reviews and have not been disappointed. Erik and team have worked closely with us to find the best lender for our circumstances, and he has always been responsive and kept us informed along the way.Posted onTrustindex verifies that the original source of the review is Google. ERIK has been incredibly supportive, understanding and friendly throughout the whole process, from when first time My wife and I had enquiries regarding the best home loan for us all the way up to finally getting Refinance to step into Rental Investor. Erik and his team have been amazing every step of the way, and we can not recommend his services enough. He has always been very approachable and has made things so easy to understand, We look forward to re-financing with him in the future. If we could give higher than 5 stars, We most definitely would I will most definitely be recommending Micah Finace to family and friends. This is the second time my wife and I have used Erik services to refinance and purchase our 2nd(dual living) Property Investing. He explains everything, is really accommodating, and helps us move to a much better home loan product. From our initial consultation through to settlement, Erik provided clear guidance, timely updates, and his solution support. His expertise and dedication made the entire mortgage process seamless and stress-free. We are truly grateful for his assistance and would highly recommend his services to anyone seeking mortgage advice. My wife and i highly recommend Erik - Micah Finance. And now we going refinance our other property @ Betty and LamhotPosted onTrustindex verifies that the original source of the review is Google. Genuinely do business again, whenever there is another opportunity. Great help, connecting people with different needs. Thank-you again and greatly appreciate for the help.Posted onTrustindex verifies that the original source of the review is Google. Erik was an instrumental help throughout the struggles of looking for a property in Sydney’s competitive market. For anyone investing in or buying a property, all of the processes are complicated and daunting, but especially for first homebuyers like ourselves. However, his assistance during the process was constant, thorough and accessible even for people with no previous experience. With his guidance and advice, we felt well-informed and equipped to move forward with each step of securing a loan. Erik is a great individual to correspond with as he communicates clearly and in a timely manner, offering excellent and professional support. Thanks to his efforts, my family have now secured a property that we are very pleased with, and we will continue to be grateful for the work that he put in from the beginning of the process until the end. Cheers, Erik, for the pain free loan process.Posted onTrustindex verifies that the original source of the review is Google. Erik was a huge help in purchasing my first home, he made the process very easy to understand. He and his team always gave prompt responses and were really helpful!Posted onTrustindex verifies that the original source of the review is Google. Thank you to Erik and his team for your support in my achieving a dream of being a First Home Buyer. It wasn’t easy but we did it!Posted onTrustindex verifies that the original source of the review is Google. Erik was amazing to work with. He helped us successfully purchase our first home. His knowledge was very impressive, and he explained everything to us in detail, which was very helpful as a lot of this process was new to us. He also went above and beyond and gave us some tips for the market, which were very helpful. We ended up with a great deal and a great home. Many thanks, Erik.Posted onTrustindex verifies that the original source of the review is Google. Very helpful and patient. Went beyond to help me.
Talk to a Real Person This Week
No pressure. No sales pitch. Just clear guidance on your next steps.
Common Questions First-Home Buyers Ask
Straight, practical answers — no jargon, no pressure.
How much deposit do I really need?
Most first-home buyers can start with as little as 5% deposit, depending on your income and the type of property you're buying.
With certain Government schemes, some people even qualify to buy with no LMI (Lender’s Mortgage Insurance), saving thousands upfront.
→ Want to check your exact deposit options? Start My Game Plan
Can I buy with a low deposit and avoid LMI?
Yes — in the right situations.
Programs like the First Home Guarantee let eligible buyers purchase with 5% deposit and no LMI, but there are income limits, price caps, and property criteria.
We calculate this for you based on your details, so you don’t waste time guessing.
→ See if you qualify — Start My Game Plan
Will this affect my credit score?
No — nothing we do in the Game Plan requires a credit check.
You can explore your borrowing power, grant eligibility and lender options without triggering an inquiry.
We only run a check if you choose to proceed with pre-approval.
→ Get your numbers safely — Start My Game Plan
How long does pre-approval take?
Most pre-approvals are processed within 3–10 business days, depending on the lender and your documents.
We help you prepare your application properly so it moves faster and avoids delays.
→ Want us to review your docs? Book a Strategy Call
Which Government grants or schemes can I use?
This depends on:
- Your income
- Your deposit size
- Whether you’re buying new or existing
- The price of the property
- Your citizenship status
We check eligibility for:
- First Home Buyers Grant
- First Home Guarantee
- Stamp Duty Concessions
- Shared Equity Programs (when applicable)
Your Game Plan will tell you exactly which benefits apply to your situation.
→ Check your eligibility now — Start My Game Plan
