Your first home is a big moment. We treat it that way.

Clear guidance, honest advice, and support that goes beyond the application.
Buying your first home is a big step — and it can feel overwhelming.

Buying your first home is a major step

It’s normal to feel overwhelmed by the decisions, numbers, and rules involved.

From understanding how much you can really afford, to navigating loans, grants and lender requirements, there’s a lot to take in.

We help first-home buyers break the process down clearly, understand their options, and move forward with confidence — not guesswork.

Why first-home buyers choose Extra Mile

Big decisions. Real guidance. Real outcomes.

What clients say after going through the process with Extra Mile.

      
   Extra Mile Financial Services
   41 Google reviews 
  Write a review 
  
 
 
   
 
 
       Posted on Google  
   
   Alicia Repetto 
 
 
 
 Trustindex verifies that the original source of the review is Google. Amazing service!!! Great communication, efficient and friendly staff. Thank you Juan Pablo and all the staff at Extra Mile!😃
  
 
      Posted on Google  
   
   Nicky Cross 
 
 
 
 Trustindex verifies that the original source of the review is Google. We’ve had the best experience with Extra Mile. Marisa, Jose and Juan Pablo really went above and beyond to be able to sort out our loan in record time, and made the whole experience seamless and easy. We have now fulfilled our dream to live by the coast thanks to them 💜 gracias!!!
  
 
      Posted on Google  
   
   I Sen 
 
 
 
 Trustindex verifies that the original source of the review is Google. Extremely professional team, kind and patient to answer as many questions as needed. They moved fast and helped us secure the loan for our project. Highly recommended.
  
 
      Posted on Google  
   
   Marvin Diaz 
 
 
 
 Trustindex verifies that the original source of the review is Google. Juan Pablo and his team are very professional and they are always looking for the best outcome for you. Thank you so much for your help with our mortgage refinancing process. 100% recommended. 💚☺️
  
 
      Posted on Google  
   
   Andrea Vigoya 
 
 
 
 Trustindex verifies that the original source of the review is Google. I can't thank Juan and his team enough for everything they have done throughout my home-buying journey.

Buying a home can be an overwhelming and emotional process, and there were moments when I genuinely thought about giving up. From the very beginning, they not only provided exceptional professional advice and expertise, but they also offered constant support, reassurance, and encouragement every step of the way.

They were always available to answer my questions, explain every stage clearly, and make sure I understood all my options. Their communication was outstanding, and I always felt that they genuinely cared about helping me achieve my goal—not just securing a loan.

Their dedication, patience, and commitment made what started as an incredibly stressful experience feel much more manageable. I truly believe that without their guidance, I may not have gone through with purchasing my first home.

Thanks to Juan and his team's expertise and genuine care, I was able to achieve my dream of becoming a homeowner. I couldn't be more grateful and would highly recommend them to anyone looking for a knowledgeable, trustworthy, and genuinely caring mortgage broker.
  
 
      Posted on Google  
   
   Lina Arroyave 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had a great experience working with Juan Pablo and Jose. They were always responsive, professional, and kept me informed throughout the process. Whenever any challenges or unexpected issues came up, they handled them quickly and efficiently, making the whole experience much less stressful.

I truly appreciated their support, clear communication, and commitment to finding solutions. I would highly recommend them to anyone looking for a reliable and dedicated team.
  
 
      Posted on Google  
   
   Sally Galvez 
 
 
 
 Trustindex verifies that the original source of the review is Google. Thank you to Juan Pablo and Jose for helping me secure financing for my first home.

Throughout the process, they were responsive to my questions and helped me navigate the HomeStart shared equity application. As a first-home buyer, there was a lot to learn, and I appreciated their assistance in getting everything across the line.

Purchasing a home can be a complex process, and I am grateful for their support in helping me achieve home ownership. Thank you both for your help and guidance along the way.
  
 
      Posted on Google  
   
   Cristian Galarza 
 
 
 
 Trustindex verifies that the original source of the review is Google. I would recommend Extra Mile to anyone looking to get the home loan sorted. They are a dedicated, caring and professional team ready to get things done.
  
 
      Posted on Google  
   
   Bel Dibbens 
 
 
 
 Trustindex verifies that the original source of the review is Google. Pablo and Marisa are amazing at what they do! Couldn’t thank them enough for their help and support along the process. Thank you again, you have made the home ownership process so enjoyable and smooth!
  
 
      Posted on Google  
   
   Danny Helman 
 
 
 
 Trustindex verifies that the original source of the review is Google. Incredible!
The entire experience = professional, delightful, coordinated and the most important part, successful!
Thank you so much to all, we will see you again
  
 
  
  
 
     Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

How buying your first home works

Step 1 - Understand your borrowing power

We assess your income, savings, expenses and goals to give you a clear and realistic picture of what you can afford — before you start house hunting.

Step 2 - Choose the right loan and incentives

We explain loan options in plain English and help you understand which government grants or schemes you may be eligible for.

Step 3 - Apply with confidence

We manage the application process, liaise with lenders, and guide you through each step right through to settlement.

Understanding your first-home buyer options

Buying your first home isn’t just about finding a property — it’s about choosing a loan structure and pathway that fits your situation.

Deposit requirements, government incentives, lender policies and borrowing limits can all vary depending on your circumstances. Some options prioritise getting you into the market sooner, while others focus on long-term affordability and flexibility.

Our role is to help you understand the trade-offs, explain what applies to you, and guide you toward decisions that make sense both now and in the years ahead.

Common questions first-home buyers ask - Feeling unsure about the process? You’re not alone.

You don’t have to figure it out on your own.

We break everything down clearly, answer your questions honestly, and help you move forward with confidence.

What you’ll typically need

A trusted team beyond your home loan

We regularly work with experienced buyers agents, conveyancers, inspectors and financial planners to support first-home buyers beyond the loan itself.

What you’ll typically need

Requirements vary by lender, but most first-home buyer applications involve:

We’ll guide you on what’s needed and when, so you’re never scrambling at the last minute.

Frequently asked questions

Do I need a deposit to buy my first home?

In most cases, yes — but the amount can vary. Depending on your situation, you may be able to buy with a lower deposit or access specific first-home buyer schemes. We’ll explain what applies to you.

What grants am I eligible for?

Eligibility depends on factors such as the property price, location and your circumstances. We’ll help you understand what may be available and how to apply.

How long does the process take?

Every situation is different, but once your application is submitted, approvals can often be achieved within a few weeks. We’ll keep you informed at every stage.

Will buying my first home affect my future options?

Your first loan structure can influence flexibility later on. We’ll help you consider both short-term affordability and longer-term implications.

Can I speak to someone before I start looking at properties?

Absolutely. Many first-home buyers speak with us early to understand their position before making any commitments.

Contact us

Our Adelaide office

We’re based in Adelaide and support clients across South Australia and Australia-wide.

Your first home is a big moment. We treat it that way.​