Who Do I Need on Board When Buying My First Home?
When you imagine buying your first home, it can feel like a simple equation. There is you, possibly your partner, the bank, and the person selling the house. Job done.
But in reality, there is a team of professionals working behind the scenes to make your home ownership journey possible. Each one plays a distinct and important role. Together, they help you make smarter decisions, avoid costly mistakes, and navigate the process with confidence.
So, who exactly should be on your team?
The Mortgage Adviser
Your mortgage adviser is often your first and most important contact. They help you understand how much you can borrow, guide you through your home loan options, and handle the application process on your behalf.
Unlike a bank, a mortgage adviser works for you. They compare loan products across a wide range of lenders, explain your options clearly, and structure your application to give you the best chance of success. A great adviser does more than get you a mortgage — they help you plan your finances, understand the risks, and stay on track for the long term.
The Loan Officer
This is the person at the lender who assesses your loan application and ultimately decides whether or not to approve it. If you are working with a mortgage adviser, you may never deal with the loan officer directly. But if you choose to apply through a bank on your own, the loan officer will be your main point of contact throughout the approval process.
The Real Estate Agent
You will likely meet several real estate agents while looking for a home. It is important to remember that the agent represents the seller, not the buyer. While they are required to be honest and professional, their job is to achieve the best outcome for their client.
You can ask questions and seek clarity, but do not rely solely on an agent’s opinion when making a decision. Always do your own due diligence and seek independent advice where needed.
The Property Inspector
This is the person who thoroughly inspects a property before you buy it and provides a detailed written report. A good property inspection is essential for first-home buyers who may not know what to look for.
On your first visit, you might notice new paint, updated lighting, or stylish staging. But you may not notice the signs of dampness, structural issues, or hidden maintenance problems. A property inspector gives you a clear picture of what you are really buying — so you can move ahead with confidence or walk away with certainty.
The Insurance Adviser
Before your mortgage is approved and your loan can settle, you will need insurance in place. Some buyers choose to organise this themselves, but many prefer to work with an insurance adviser who can research policies, negotiate terms, and recommend the right level of cover for your situation.
The right insurance provides peace of mind, protects your asset, and may even help you qualify for better lending terms.
The Lawyer
Your lawyer is responsible for the legal side of your purchase. This includes reviewing contracts, managing settlement, checking title details, and protecting your legal rights throughout the process.
While a licensed conveyancer can manage the transaction, a lawyer can also provide wider legal advice if needed — such as reviewing easements, covenants, or other clauses that may affect the use or value of the property. For this reason, we recommend engaging a lawyer early, ideally before you begin making offers.
Your First Step: A Trusted Mortgage Adviser
While each of these professionals plays a vital role, your mortgage adviser is often your guide through the entire process. They help connect you with the right people, prepare you for each stage, and advocate for you when it matters most.
