Hi there - I’m Chris, and I’m really glad you made it here.If you’re reading this, you’re probably somewhere in the process of figuring out how to buy your first home. Maybe you’ve been saving for a while, maybe you’ve just started looking, or maybe you feel like everyone else knows what they’re doing except you.You’re not alone - and you’re not supposed to have all the answers.
Buying your first home is exciting, but there’s also that quiet feeling in the background:
“Will a bank actually approve me?”I hear that every day.A new job… a gifted deposit… debts… buying a unit… that worry about being declined… I’ve seen all of it - and most of the time, people are far more eligible than they realise. The real issue isn’t your situation - it’s understanding how different lenders treat your situation.Because here’s the truth:
Where one lender might decline you immediately, another may approve you in a day.
Same person. Same numbers. Different policies.That’s why this page exists.
My job is to help you understand how lenders will actually assess you, which incentives you might qualify for, and what your real borrowing power looks like - before you apply anywhere.You don’t need to risk your credit score.
You don’t need to “wait another six months” without knowing why.
You don’t need to guess.
You just need clarity.On a short strategy call, I’ll walk you through:
- Which lenders are a good match for your exact situation
- What your borrowing power looks like across 60+ lenders
- Whether your job history, deposit or debts are a problem (most of the time, they’re not)
- Which government incentives you can actually use - grants, guarantees, concessions
- What you can realistically afford
- The safest approval pathway from where you are nowAll in plain English.
No pressure.
No fees.
No obligation.
No impact on your credit score.It’s just a conversation to help you move forward with confidence instead of guesswork.If you’re ready for that kind of clarity, you can book a First Home Buyer Strategy Call below.I’d genuinely love to help you take the next step safely and confidently.Cheers,
Chris Godwin
Godwin Finance
0420 908 218