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2026 First Home Buyer grants updated · See the state-by-state FHOG table →
◆ Arrivau · Home Loans Made Clear

A better home loan
starts with one chat.

Licensed Australian mortgage broker comparing 40+ lenders, from the big four to online challengers. We translate the bank paperwork so you can decide in plain English.

Get a free loan assessment Or talk to a broker
$1.2B+Total loans funded
12,000+Australian households settled
4.9 / 5.0Google client reviews
Young Australian family at their new home
★
4.9/5 1,240+ Google reviews

What do you need help with?

From working out borrowing power to lodging your file — the six shortcuts most clients use.

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Three problems Arrivau solves every week

The most common home-loan paths we walk clients through — tailored to your income, deposit and status.

First Home Getting the keys

Your first Australian home

PR or citizen buying your first place. FHOG cash grants, stamp-duty concessions and 5% deposit pathways under the Home Guarantee Scheme.

  • FHOG of $10k–$25k depending on state
  • Stamp duty waived on homes up to $800k (NSW)
  • Home Guarantee Scheme — 5% deposit, no LMI
First home buyer guides →
Non-resident / Expat Sydney harbour

Non-resident & expat buyers

Temporary visa holders, returning expats and overseas buyers. We handle FIRB approval, foreign income assessment and lender-specific rules.

  • FIRB application and foreign buyer duty
  • GBP / USD / SGD / HKD income accepted
  • Offshore borrower LVR up to 70%
Non-resident buyer guide →
Investor / Self-employed Modern home

Investors & self-employed

Business owners, 188 investor visa holders, multi-property portfolios. Complex structures that most branch bankers can’t package — we can.

  • 188A / B / C visa-aligned finance
  • Low-doc and 2-year self-employed income
  • Portfolio restructure for 5+ properties
Investor & business loans →

Run the numbers before you commit

Four of the most-used calculators — no signup, no personal data required.

All calculators →

Repayment calculator

Principal, rate and term in — weekly / monthly repayments and total interest out.

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Borrowing power

Household income in, serviceability out — mirrors lender servicing buffers.

Calculate →

Stamp duty

NSW, VIC, QLD, WA and more. Automatic first home and off-the-plan concessions.

Calculate →

Non-resident total cost

FIRB fee, foreign buyer duty and vacancy fee — all the hidden costs in one place.

Calculate →

What clients say

Real households — from first enquiry to the day they moved in. Names changed on request.

More stories →
First home

“New PR, 5% deposit
still got the Sydney house.”

We had PR for six months and only a 5% deposit — two of the big four said no. Mitchell lined up the Home Guarantee Scheme plus the NSW FHOG and we were pre-approved in a week.

The Nguyen family · Ryde, NSW · Purchase price $1.08M
Portfolio refinance

“Five properties, one
coherent structure.”

Our portfolio was spread across three lenders and cashflow was tight. Arrivau consolidated everything with one lender, saved $8,400 a year in interest and freed up a deposit for the next purchase.

Dr Chen · Glen Waverley, VIC · Portfolio value $4.2M

Learn something useful

The latest on rates, policy changes and broker tips — written by our in-house editor.

All articles →
Gift Letter Home Loan: Template and Family Loan Strategy for First Home Buyers

Home Loans

Gift Letter Home Loan: Template and Family Loan Strategy for First Home Buyers

Introduction A first home buyer in Sydney, Melbourne or Brisbane often faces a deposit gap …

10 min read · 2026-05-21
Genuine Savings 5% Rule 2026: What Counts (Rent Counts? Gift Counts?)

Home Loans

Genuine Savings 5% Rule 2026: What Counts (Rent Counts? Gift Counts?)

Introduction The genuine savings rule is not set out in a single statute but represents …

9 min read · 2026-05-21
First Home Buyer Income $80K vs $120K vs $180K: What You Can Afford in 2026

Home Loans

First Home Buyer Income $80K vs $120K vs $180K: What You Can Afford in 2026

Introduction A first home buyer’s income is the primary variable that Australian lenders …

9 min read · 2026-05-21
5% Deposit + 95% Loan: Real Repayment Stress Test 2026

Home Loans

5% Deposit + 95% Loan: Real Repayment Stress Test 2026

Introduction A 95 per cent loan-to-valuation ratio (LVR) mortgage, with a 5 per cent …

8 min read · 2026-05-21
First Home Owner Grant (FHOG) State-by-State Eligibility Map 2026

Home Loans

First Home Owner Grant (FHOG) State-by-State Eligibility Map 2026

Introduction: The FHOG Landscape in 2026 The First Home Owner Grant (FHOG) remains a …

12 min read · 2026-05-21
VIC Foreign Buyer Stamp Duty Surcharge: When Visa Holders Get Hit

Home Loans

VIC Foreign Buyer Stamp Duty Surcharge: When Visa Holders Get Hit

Introduction The Victorian foreign purchaser additional duty (FPAD) applies to residential …

10 min read · 2026-05-21
NSW First Home Buyer Choice (Annual Land Tax Option) 2026 Status

Home Loans

NSW First Home Buyer Choice (Annual Land Tax Option) 2026 Status

Introduction The NSW First Home Buyer Choice scheme, which allowed eligible purchasers to …

10 min read · 2026-05-21
Stamp Duty Concessions by State 2026: NSW, VIC, QLD, WA Comparison

Home Loans

Stamp Duty Concessions by State 2026: NSW, VIC, QLD, WA Comparison

Introduction The cost of stamp duty remains a material barrier for Australian residential …

9 min read · 2026-05-21
FHSS Super Saver Scheme 2026: Boost Your Deposit with Pre-Tax

Home Loans

FHSS Super Saver Scheme 2026: Boost Your Deposit with Pre-Tax

Introduction The First Home Super Saver (FHSS) scheme remains, in 2026, one of the most …

9 min read · 2026-05-21
First Home Buyer LMI Saving Calculator: $700K Property = $20–25K Saved

Home Loans

First Home Buyer LMI Saving Calculator: $700K Property = $20–25K Saved

Introduction For an eligible first home buyer in Australia, Lenders Mortgage Insurance …

7 min read · 2026-05-21
5% Deposit Scheme 2026: No Income Cap, No LMI, 30+ Lenders

Home Loans

5% Deposit Scheme 2026: No Income Cap, No LMI, 30+ Lenders

Introduction The First Home Guarantee (commonly called the 5 per cent deposit scheme) …

8 min read · 2026-05-21
Australian Finance Group (ASX: AFG) Tracks Mortgage Market Trends Amid Housing Finance Shifts

Home Loans

Australian Finance Group (ASX: AFG) Tracks Mortgage Market Trends Amid Housing Finance Shifts

The Australian mortgage market is in the middle of a profound transformation. Borrowers, …

10 min read · 2026-05-21
Mitchell Harding, Principal Broker

Not sure where to start? Talk to Mitchell.

Principal broker with 15 years in Australian lending. MFAA member, licensed under ACL and backed by a team of 8 brokers. First conversation is free and there’s no obligation to go further.

💬 Book a free callback ✉️ [email protected]