1
Book Your Free Consultation
Tell us about your goals — deposit, suburb, timeline. No commitment, no paperwork yet.
2
We Find Your Best First Home Loan
We assess your eligibility for grants and schemes, then compare home loans across 70+ lenders.
3
We Handle the Details
We manage the paperwork, the lender, and every step through to settlement.
4
You Get the Keys
Keys in hand. Your first home, yours.
Simply Fantastic!
Sam, Chole and the team at Unlocked are simply fantastic. Personal, caring and professional in dealing with you and put you at the heart of what they do. Great communication and service that is world class. It was a pleasure to deal with Sam and I look forward to using his premium service and skills for my financial needs in the future. Thank you Sam for what you do!
Find out why our happy clients chose Unlocked.
We compare 70+ lenders to find the right
first home loan for your situation.
We work for you,
not the banks.
Our clients become our
biggest advocates.
Getting into your first home has more pathways than most people realise — and we know all of them.
If you’re thinking about buying your first home but not sure where to start — you’re not alone. Most first home buyers come to us after feeling overwhelmed by lender websites, confusing eligibility requirements, and conflicting advice. We cut through that.
At Unlocked, we’ve helped first home buyers across Toowoomba, the Darling Downs, Brisbane, and the Gold Coast navigate this process and find the right loan for their situation. We’re across every available government scheme, grant, and lender option — and we explain it all in plain English.
Common questions we help first home buyers answer:
Our team is across all of these questions and more. We’ll walk you through your options in clear, simple terms — no jargon, no pressure. We’ll also help you understand what you genuinely qualify for, not just what sounds good on a website.
Your first home is closer than you think. A free, no-obligation conversation with one of our first home buyer specialists is the best first step — we’ll give you the full picture and let you decide what happens next.
Sam & Chloe Benz
Dealing with banks directly can mean weeks of forms, repeated calls, and no guarantee of the best result. We do the running around for you — across 70+ lenders simultaneously — and come back with options, not questions.
You probably know through experience that dealing with banks can be time-consuming. The constant back and forward slows things up. Not at Unlocked, we get the results that you want faster.
100% Independent Advice
We’re not aligned to any bank or lender. Our only job is to find the right option for you.
One Dedicated Broker
The broker you meet first is the broker who sees your loan through — start to finish.
Ongoing Loan Support
We check in after settlement too. If your rate stops being competitive, we’ll let you know.
Plain-English Communication
No jargon, no fine-print surprises. We explain everything in terms that actually make sense.
At Unlocked, Knowledge is the first step. Use our free tools to get a quick picture of where you stand — then talk to us about what it means for your situation.
Find out how much you may be able to borrow based on your income, expenses, and deposit.
Fixed rate ending soon? See how your repayments may change when it rolls over — before it happens.
See how your current loan compares to what’s available. A quick check that could open up your options.
At Unlocked, Market updates, practical guides, and straight-talking finance education — to help you make better decisions.
