Brisbane mortgage brokers for first home buyers
You find the home. We do the heavy lifting.
Founded by Brisbane brothers Rhys and Terence Butler, we compare 40+ lenders, tell you which one fits and why, and handle everything from pre-approval to settlement day. Then we review your mortgage every year, for as long as your mortgage is arranged through us.
A quick phone call, with no sales pitch. No documents, no credit check. In most cases the lender pays us, so there's no cost to you.
Terence Butler Mortgage broker
Rhys Butler Mortgage broker
Two jobs, one first home
Your job is the fun part.
Buying a first home is really two jobs. One is finding the place. The other is the lenders, the schemes, the valuation and the chasing. Keep the first one, plus a few documents and signatures. Hand us the second.
5 things on your list. 10 on ours.
Your to-do list
5 things- Send us your documents
- Pick the suburbs you love
- Go to the open homes (and argue about the kitchen)
- Make the offer
- Sign your loan documents
We tell you what's needed, and when.
Our to-do list
10 things- Work out what you can really borrow, before you fall for a place
- Compare 40+ lenders and tell you why the one we pick fits
- Check the grants and schemes you may qualify for
- Find out if your job gets you an LMI waiver
- Get your pre-approval in place
- Walk you through your finance conditions, and keep your conveyancer updated
- Order the valuation and chase it
- Push the lender through to unconditional approval
- Line up settlement day
- Review your mortgage every year, while it's with us
And we tell you what we've done before you have to ask.
Who we help
Where are you at?
First home buyers are our speciality, and we look after the next move too.
Already a client? Here's how your yearly mortgage review works.
Queensland first home buyers, right now
Three numbers worth knowing before your first open home.
Last checked 3 November 2026
First Home Owner Grant
For new homes valued under $750,000. Queensland has extended the $30,000 grant past 30 June 2026.
Stamp duty on a new home
No transfer duty on a new home or vacant land, at any price. Established homes get a full concession under $700,000.
Deposit, with no LMI
The Australian Government 5% Deposit Scheme. No income caps, and a $1,000,000 price cap in Brisbane.
Has anyone checked which of these you can stack together, and what that does to your budget?
Read the plain-English guideEligibility is subject to individual circumstances and current government policy. Grants and concessions have conditions, including residency and ownership history. General information only.
The Butler Method™
The hard thinking happens before you commit.
We check your numbers first and talk options second. So the session that matters gives you a clear answer, not an estimate you find out about later.
Discovery Call
Tell us what you're after. We'll explain how we work, and if it makes sense, we'll book you in for a Strategy Session to go over the numbers properly. No documents and no credit check.
You send the docs. We do the homework.
Your details and documents, in one secure online fact find. Then we check your income, run your numbers against the lenders that fit, and look at every scheme and policy that could change the answer.
Strategy Session
You hear exactly what you can and can't do. We narrow 40+ lenders down, choose one together, and build your loan structure with you.
Heavy lifting to settlement
Application, valuation, approvals, contracts and settlement day. You hear from us at every point that matters.
Your mortgage review
Each year we check your rate, your equity and whether your mortgage still fits your life.
For as long as your mortgage is arranged through us.
Why we do this
"We bought our first homes not long ago. We're the broker we wish we'd had."
Rhys and Terence Butler
We've sat where you're sitting: the spreadsheets, the open homes, the "can we actually afford this?" talks at the kitchen table. So we explain the why behind every lender choice. You get the reasoning, not only the result.
A small Brisbane team, not a call centre. You get one broker who knows your file.
Client stories
What clients say after settlement day.
"Rhys took us from 'can we afford a house' through to now living in our own home. He was kind, respectful and understanding and is continuously following up with our many questions. Highly recommended."
"Rhys has been very helpful and supported me through the process of buying my first home."
"Terence and the team have been incredibly helpful saving me thousands off my home loan."
40+ lenders compared, including
Learn
Guides we'd give a friend at the kitchen table.
Queensland first home buyer grants and schemes in 2026
The $30,000 grant, stamp duty and the 5% Deposit Scheme, and how they stack.
What a pre-approval really covers
Fully assessed versus a 15-minute online one, and why it matters at auction.
Buy first or sell first?
Your four options for timing the move, what each costs and who it suits.
Good questions
Before you book
Straight answers to the things people ask us on the first call.
Still wondering? Call us on (07) 2111 8194.
How much does a mortgage broker cost?
In most cases, nothing. The lender pays us a commission when your mortgage settles, so there's no cost to you. In a few situations, like bridging finance with no end debt, a lender won't pay commission and a fee may apply. If that's you, we tell you upfront, before you go ahead.
Why use a broker instead of going to my bank?
Your bank can only offer its own mortgages. We compare 40+ lenders, and their policies differ more than most people expect: how they treat shift income, HECS, a gifted deposit or a 5% deposit. We pick the one that fits you and explain why.
Do I need my deposit saved before we talk?
No. Plenty of people call us a year or more before they buy. We'll help you work out a clear target and a plan. With the 5% Deposit Scheme you may need less than you think. Eligibility is subject to individual circumstances and current government policy.
What happens on the Discovery Call?
It's a quick phone call. Tell us what you're after. We'll explain how we work, and if it makes sense, we'll book you in for a Strategy Session to go over the numbers properly. No documents and no credit check.
Do you only help people buying in Brisbane?
We're based in Forest Lake, in Brisbane's south-west, and we help clients right across South East Queensland: Brisbane, Ipswich and Springfield, Logan, Moreton Bay and the Redlands. Everything runs by phone and Google Meet, so we help buyers right across Australia too.
What happens after settlement?
We stay. Every year we review your mortgage: your rate, your equity and whether it still fits your life. When you're ready for your next home, we're already up to speed.
One quick phone call. No sales pitch.
Tell us where you're at. We'll tell you honestly whether we can help, and exactly what happens next.
No documents, no credit check. In most cases the lender pays us, so there's no cost to you.
What happens on the call
- Tell us what you're after.
- We'll explain how we work.
- If it makes sense, we'll book you in for a Strategy Session to go over the numbers properly.
You'll talk to a qualified mortgage broker.