First home buyer support for people with non-traditional income, variable earnings, or work the banks don’t always understand.
Buying your first home is a big step. And if your income doesn’t come from a standard 9–5 payslip, the process can feel even more overwhelming.
At Spicy Finance, we help first home buyers with non-traditional income navigate the lending process with clarity, respect, and realistic advice.
We understand how different income structures work, which lenders assess them properly, and how to position your application without watering down who you are.
You don’t need to fit a template.
The finance just needs to fit you.
If you’re reading this, chances are you’ve already done a lot of the hard work — saving, planning, and thinking seriously about your future.
Our role is to help you move from “maybe someday” to “this is actually happening”, with clear guidance at every stage of the process.
From understanding your borrowing power to navigating settlement, we’re here to make sure nothing catches you off guard.
A clear overview of the key steps involved in buying your first home.
We assess your income properly — including variable, freelance, or self-employed earnings, to give you a realistic picture of what you can borrow.
We help you understand first home buyer grants, concessions, and schemes that may be available to you.
Pre-approval gives you confidence when house hunting and shows sellers you’re serious.
Not all lenders assess income the same way. We match you with lenders who align with your situation.
We’ll guide you through key considerations like insurance and risk protection, without unnecessary upsells.
We help you factor in deposits, fees, and settlement costs so there are no surprises.
Buying your first home isn’t just about getting approved — it’s about understanding what’s happening at each stage.
We’ll talk you through timelines, paperwork, lender requirements, and next steps in plain language, so you can make decisions confidently.
No pressure.
No rushed explanations.
Just steady support when you need it.
Everything you need to know about buying your first home
Government grants and concessions are designed to help eligible buyers enter the market. We’ll help you understand what applies to your situation and how to access it.
Borrowing power depends on income structure, expenses, and lender policy. We’ll give you a clear, realistic answer — not a generic estimate.
Deposit requirements vary. In some cases, you may be able to buy with a smaller deposit depending on the lender and available schemes.
Understanding the terminology used when buying and financing a property can help make the process less stressful, and LMI is just one of the many acronyms that you’ll become familiar with during the course of buying your first home. LMI is an insurance that protects the lender if you can’t keep up with your payments and typically applies if you buy a home with less than a 20% deposit.
Understanding all the costs involved in buying a property upfront is important, many first home buyers ask this question when meeting with a broker, costs of buying a property may include:
The costs of purchasing a property vary by state/territory and also by service provider, so it’s good to seek alternative quotes before agreeing to go with the first conveyancer or insurance provider you find. Your broker can help you asses the costs that apply to you based on where you live, the type of property you’re buying and other factors such as the type of home loan you want and the amount of your deposit.
If buying a home is still a little way off, a financial health check can help you understand what to work towards — without pressure or judgement.
We’ll help you identify practical next steps so you’re in a stronger position when the time is right.
