Gurdeep kaur Mortgage Broker

5% deposit minimum + refinancing 2 years later = 5 to 10 years off your First Home loan

Good rates are not enough if you still have to pay your mortgage on your first home loan for 30 years, we have full solution for we refinance the deal 2 years later and help you save so much money going towards interest . We have a tailored solution for you. We structure the deal so you can pay it off in 20-25 years instead of 30, as our clients do. Fill in the survey, and let's see if we can make your first home-buying dream a reality.

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Frequently Asked Questions

Have questions about our services? You're in the right place!

Question 1:Why do I need genuine saving for my first home buyer loan?

For many lenders, genuine savings generally require that the borrower has accumulated and held at least 5% of the property's purchase price in a savings account for a minimum of three months.

In addition, a consistent 12-month rental payment history may be considered as evidence of genuine savings by some lenders. Where this applies, the total rent paid over the 12-month period can be taken into account when assessing the genuine savings requirement. The remaining amount needed to satisfy the 5% deposit requirement must be held in the borrower's bank account for a minimum of three months before the loan application.

Question 2: Why do I need to have my abn and gst for atleast 2 years to get a first home buyer loan?

Income stability: Two years of tax returns and business financials help the lender see whether your income is consistent rather than temporary.

Business viability: Many new businesses don't last beyond the first couple of years, so lenders see a longer trading history as lower risk.

Reliable income assessment: Self-employed income can fluctuate more than a salary, so lenders usually average your income over the past two financial years.

Question 3: How long do I have to work if I'm casual or permanent part time, or permanent full time before getting approved?

Permanent Full-time: Usually need to be employed for 3–6 months. Lenders look for stable employment and recent payslips.

Permanent Part-Time: Usually need 3–6 months in your current role. Lenders want consistent hours and regular income.

Casual Employment: Usually need 6–12 months in the same job. Lenders look for consistent work hours and a reliable income history.

Question 4: How long does home loan approval take?

Pre-approval can take a few days, while formal approval after you've found a property typically takes 1–3 weeks.

Question 5: Do I have to pay lenders mortgage insurance (LMI) if I have been approved for the first home buyer grant and have 5% deposit?

No if you have your 5% deposit and are approved for the first home buyer grant you do not have to pay lmi.

About Me

Hi, I'm Gurdeep Kaur, a Mortgage & Finance Broker based in Melbourne, dedicated to helping Australians achieve their property goals with confidence.

My journey in finance began long before becoming a mortgage broker. With nearly two decades of experience in banking and financial services, including leadership roles with one of the world's largest banks, I've developed a deep understanding of lending, financial analysis, and helping people make informed financial decisions. This experience allows me to look beyond the numbers and provide solutions that genuinely suit each client's circumstances.

Whether you're buying your first home, upgrading to your next property, refinancing, investing, or self-employed, I believe every client deserves honest advice, clear communication, and a lending strategy tailored to their goals.

I understand that applying for a home loan can feel overwhelming. That's why I make the process as simple and stress-free as possible. From our first conversation through to settlement, I'll guide you every step of the way, explain your options in plain English, and negotiate with lenders to secure a loan that's right for you.

As a mortgage broker, I have access to a wide panel of lenders, giving my clients more choice than walking into a single bank. My focus isn't just getting your loan approved—it's helping you build long-term financial success.

I can help with:

First Home Buyer loans

Home Loan Pre-Approvals

Refinancing

Investment Property Loans

Construction Loans

Self-Employed & ABN Loans

Low Deposit Home Loans

Commercial & Business Finance

Asset & Vehicle Finance

Why clients choose me

Personalised advice tailored to your goals. Clear, honest communication from start to finish. Access to a wide range of lenders and loan products. Fast turnaround times and ongoing support. A commitment to building lasting client relationships. Buying property is one of the biggest financial decisions you'll ever make. My goal is to make that journey easier by providing expert guidance, genuine support, and finance solutions that help you move forward with confidence.

Let's work together to turn your property goals into reality.