Tasmanian first home buyers

Thinking about your first home in Tasmania?

Book a free 15 minute call with three Hobart ex-bankers who’ll tell you, in plain English, what you can actually borrow and answer every question, no matter how basic.


Book your free 15 minute call


Leave your details and one of us will call you back — usually within business hours. No jargon, no obligation.







Takes about 30 seconds

No jargon, no obligation. Just a quick call to get you clear on your next step.

Start with three simple details. A local Fortify broker will call you back, listen to where you are, and answer the questions that matter to you.

Tell us the basics

Share your name, mobile and email. No quiz, no long application and no pressure.

We’ll call you back

One of our Hobart ex-bankers will get in touch, usually within business hours.

Get clear on your options

Ask anything — from deposits and borrowing power to what you should do next.
Why Fortify

Hobart locals. Ex-bankers. Zero silly questions.

Real people, real experience, and a first-home-buyer conversation that does not make you feel behind before you even start.

We’re Kaya, Riley and Cam, three Hobart brokers who used to work inside the banks, including MyState and Westpac, before going out on our own.

We’re the same age as the people we help, we’ve bought our own places, and we genuinely don’t mind the “silly” questions. In fact, the question you’re worried is too basic is usually the most important one.

Most first home buyers we meet assume they can’t buy yet. More often than not, they’re wrong. They just haven’t had anyone explain deposits, schemes and guarantor options in plain English. That’s the bit we’re good at.

Kaya Geale

Broker / ex-banking background

Known for clear updates, calm guidance and helping buyers understand their options without overcomplicating the process.

Riley May

MyState +
Westpac experience

Seven years in banking and finance, with broad experience helping first home buyers understand where they stand.

Cam Brumby

Home lending + grants knowledge

Strong knowledge of government grants, schemes and practical lending pathways for first-time buyers. Self-employed specialist with over a decade in financial services.
Things people say about us

Patient answers. Clear updates. No confusion.

Here are a few Google review excerpts from people who valued the team’s communication and patience.
Posted on Google Google
Kim Woulleman profile picture
Kim Woulleman
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Riley May at Fortify is fantastic. He made the whole process of refinancing so simple for us. His friendly nature and an abundance of patience when it came to my many questions was amazing. Thanks Riley 😊
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Tegan Hailey profile picture
Tegan Hailey
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I couldn’t be happier with the service we received from Kaya at Fortify Loans. From the very beginning, he was professional, knowledgeable, and incredibly responsive. We were working against a tight deadline to have everything finalised before the end of the financial year, and he went above and beyond to make it happen. I highly recommend his services. Thanks again for making it happen!
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brit jenkins profile picture
brit jenkins
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We recently worked with our financial adviser Cam to refinance an existing commercial loan and structure it alongside our new investment loan. The advice and support throughout the process were outstanding.
Posted on Google Google
Linc Reynolds profile picture
Linc Reynolds
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I was recommended Cam Brumby by a mutual friend, and it is genuinely hard to put into words just how good he was throughout the entire process. Cam helped navigate tricky visa issues, lender complications and guarantor requirements, all on very short notice. That saga alone would have been enough for a five star review. On top of that, I unknowingly brought an incredibly difficult ( putting it lightly ) conveyancer into the process which made the final few weeks before settlement far more stressful than they needed to be. Cam was forced to deal with problems that really were not necessary nor part of his job description and handled it with complete professionalism, patience and persistence. He went above and beyond effectively guiding the process through to the very end when I was completely lost and unsure what to do ( along with my conveyancer…) I can honestly say I would not have ended up with our house if it were not for Cam’s help. He was also incredibly responsive and upbeat throughout everything. Over Easter, weekends and while he was away. I must have emailed him what felt like a thousand times and he always got back to me quickly and calmly. Writing this review doesn’t do justice to just how helpful, approachable and reassuring he was. I hope whoever reads this has a smoother case than mine but if your situation is difficult or complicated I can guarantee you will be in the best possible hands with Cam. I cannot recommend him highly enough.
Posted on Google Google
Hayden Miller profile picture
Hayden Miller
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Can’t rate Riley highly enough, always more than happy to help! He is knowledgeable and reliable, wouldn’t go past his services!
Posted on Google Google
jake vincent profile picture
jake vincent
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Kaya was awesome to work with. He provided real time updates and every question we had he supported us through. The loan we required was somewhat complex but Kaya did a great job of keeping us informed and clearly explaining our options.
Posted on Google Google
Sidney Vincent profile picture
Sidney Vincent
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We recently refinanced through Kaya and honestly couldn’t recommend him more highly. He made the entire process feel incredibly easy and stress-free — definitely the smoothest refinancing experience we’ve ever had. He was professional, friendly, laid-back, and kept us updated regularly throughout the whole process so we always knew what was happening. Nothing ever felt too hard and he was always happy to answer questions. Such a genuinely nice guy and someone we’d happily recommend to anyone looking for a mortgage broker!
Posted on Google Google
Jordan Cooke profile picture
Jordan Cooke
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Kaya Geale from Fortify Loans was amazing throughout the entire process of buying our first home. Great communication went above and beyond to contact us, real-estate agents and conveyancers whenever required! Gave us great information and ideas that best fit our position! Thanks again, will definitely recommend to anyone looking for a loan to here!
Posted on Google Google
misssstars profile picture
misssstars
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We cannot recommend Kaya highly enough! Kaya has been our broker since we purchased our first home three years ago, and from day one he has gone above and beyond for us. Even after settlement, he continued checking in every six months to see how we were going, knowing our long-term goal was to purchase an investment property. That level of genuine care and ongoing support is something you rarely find. Most recently, Kaya helped us refinance and secured us an unbelievable interest rate that we honestly didn’t think was possible. We are now in the planning stages of purchasing an investment property in the next 12 months, and we wouldn’t trust anyone else to guide us through that process. No question was ever too silly, and Kaya always took the time to explain everything clearly in a way we could understand, making what can be a very overwhelming process feel simple and stress-free. He even went the extra mile to assist us in finding a great insurance company for our home insurance — proof that he genuinely cares about helping his clients beyond just the mortgage side of things. If you are looking for a broker who is knowledgeable, responsive, patient, and truly invested in helping you achieve your financial goals, Kaya is your guy. Highly, highly recommend!
Posted on Google Google
Victoria Ling profile picture
Victoria Ling
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Kaya was fantastic to work with throughout the whole process. He was incredibly honest with his recommendations when it came to different banks, which made it much easier to feel confident in the decisions I was making. He was also very prompt in getting back to me whenever I had questions, which I really appreciated. What stood out most was how well he explained everything—he broke down complex concepts in a clear and simple way, helping me understand my options and make informed choices. On top of that, he has great contacts and was able to connect me with the right people for other aspects of purchasing a property. I’d highly recommend Kaya to anyone looking for a reliable, knowledgeable, and supportive broker.
Sharing information with a client on a sofa
What happens next

Simple, useful, and fast.

No paperwork. No hard sell. Just a plain-English explanation of where you could look next.
1

Tell us a bit about you

Share your details so we know how to reach you.
2

We call you back

A Fortify broker gets in touch for a quick, free chat.
3

You find your next step

Get a plain-English view of your options and what comes next.
Common worries

The things that stop first home buyers from asking.

These questions come up all the time. The answer is rarely as simple as “yes” or “no”, which is why a quick check is useful.

Do I really have to wait six months in a new job?

Usually not. It depends on your situation, and it is often less of a barrier than people think.

Don’t I need a 20% deposit?

Not always. Guarantor loans and certain schemes can get you in with much less.

What about stamp duty now the waiver has ended?

We’ll walk you through exactly what applies to you in Tasmania.

I’m not sure I earn enough.

That’s the most common worry we hear, and the one people are most often wrong about. Let’s find out for real.

Should I get a credit card to build my score?

Not automatically. It can help in some cases, but it can hurt if used the wrong way. Ask before guessing.

Could a guarantor loan help?

Possibly. It depends on your family situation, property goals and lender criteria. We’ll explain the pros and cons clearly.

What deposit do I actually need?

It depends on the property, lender, savings history and whether any schemes or guarantor options apply. We’ll map the real number instead of guessing.

Could I be eligible for first-home-buyer schemes?

Maybe. The rules can be confusing, so we’ll check what may apply to your situation and explain the next step in plain English.
Your first home starts here

Still wondering whether
you can buy?

IMPORTANT INFO

Fortify Loans Pty Ltd (ABN 51679738786 and Credit Representative Number 546469) is authorised under Australian Credit Licence 384324.
*Individual lenders may charge fees to the customer.

This website provides general information only. Our content does not constitute legal, tax or financial advice and has been prepared without taking into account your objectives, financial situation or needs. You should always consider whether any loan or financial decision is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product.

All applications are subject to lender assessment and approval. Cashback offers may be provided by some lenders and may only be available for particular products, terms and conditions apply.

Any information provided does not constitute an offer of credit and are examples of what may be available to you based on the information available. It does not take into account any product features or any applicable fees. Lending criteria and the basis upon which we assess what you may be able to afford may change at any time without notice. For Fixed Rate home loans, break costs may be payable which can be significant if you change the whole or part of your fixed rate loan or where additional or early repayments are made during the fixed rate period.

ACKNOWLEDGEMENT OF COUNTRY

In the spirit of reconciliation, we acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respect to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples today.