First Home buyers
Buying your first home doesn’t have to feel this hard
Most first home buyers today feel overwhelmed, behind or unsure whether buying is even possible for them. When did owning four walls and a roof start to feel like trying to capture a mythical unicorn?
In 1965, the average home cost around three years of salary. Today, it’s around ten years of income. No wonder home ownership can feel reserved for the ultra-disciplined, the elite or the beneficiaries of Aunty Dot’s beachside acreage.
But here’s the good news: There are plenty of options for first home buyers. You just need a solid strategy.
That’s where we come in.
Hi, I’m Nikki, and I’m a first-home-buyer specialist. I want to let you in on something:
There is so much more to buying a first home than just scraping together a one-size-fits-all deposit number.
I created Cherry Finance + Lending to help break through misinformation and help you make sense of the full picture, including:
how much you really need to get started (and where the flexibility exists)
which details matter most to lenders — and which ones matter far less than you’ve been led to believe
how grants and incentives can work together to get you over the line
how timing can quietly change what’s possible
how to structure your loan so it supports you long-term, not just at approval
Many of our past clients are closer than they think to buying a home… and you probably are too.
If buying your first home has felt confusing, intimidating or out of reach, it usually means you haven’t been given the full picture
We’d love to change that
Ours was a challenging loan to get with lots of hurdles. I thought we would never get a loan - But Nikki handled it with ease and such professionalism. Reassured us every step of the way. Amazing! Thanks so much, Nikki
—Glenn and Lisa Newitt, Google Review
Ready to make this happen?
How to start your home buying journey
Option 1: Learn first
Download our First Home Buyers Guide
A calm, plain-English breakdown of what buying your first home actually involves — and what matters most.
Option 2: Talk it through
Book a Discovery Call
A relaxed, no-obligation conversation to look at your situation properly and map out realistic next steps.
How does it Work?
Are you the kind of person who likes to understand all the nuts and bolts before you dive in? We get it. Here’s what to expect…
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Everything begins with a conversation. We take the time to understand you: your current situation, your goals and what you want life to look like in the short and long term.
And no, it’s never too early. In fact, starting the conversation a year (or more) before you plan to buy often puts you in the strongest possible position. -
Based on that conversation, Cherry Lending + Finance creates a practical, personalised plan so you know exactly where you stand and what to focus on next.
That might include options like rent-vesting or alternative pathways into the market – strategies that are often overlooked but can make a real difference.The goal is simple: clarity, confidence and choices that actually fit your life.
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With a clear strategy and pre-approval in place, you can start looking at properties with confidence. We’re here to bounce ideas, sense-check options and talk through the pros and cons as you go — so you’re never making decisions in a vacuum.
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This is the part most people find the most stressful – and the part where Cherry Lending + Finance steps in fully.
When it’s time to make an offer and secure the loan, we manage the entire process from application through to settlement. We liaise with lenders, agents and conveyancers, handle the paperwork and keep everything moving so you can focus on the decision, not the admin.
Then, we celebrate!
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Many brokers disappear once the deal is done. We don’t.
Cherry Lending + Finance proactively reviews your loan each year to make sure it’s still working for you. If better options become available, we’ll let you know. And if your circumstances or goals change, we’re always here to talk through what comes next.
Because buying a home is just the beginning.