Talk to a Broker

Tasmanian first home buyers

Thinking about your first home in Tasmania?

Find out what you can actually borrow, in plain English, from three Hobart ex-bankers who answer every question, no matter how basic.

Find out what I can borrow
a model of a house with a car parked in front of it
Takes about 60 seconds

No jargon, no obligation. Just a quick read on where you actually stand.

Start with a few simple taps. Your contact details come last, once you have already answered the easy bits.


Find out what you can borrow


Answer one question at a time. Contact details come last.





  • Step 1: Which best describes you?
  • Step 2: Have you saved a deposit yet?
  • Step 3: When are you hoping to buy?
  • Step 4: What’s your first name?
  • Step 5: Where should we send your answer?
Which best describes you?


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.
Sharing information with a client on a sofa
What happens next

Simple, useful, and fast.

No pressure. No bank-speak. Just a plain-English explanation of what your next move could look like.
1

Tell us a bit about you

Answer a few quick questions. It only takes about 60 seconds.
2

We come straight back

One of us will get in touch, usually within business hours.
3

You find out where you stand

Get a plain-English view of your borrowing power, deposit needs, and next steps.
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?

Find out what I can borrow

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.

HELPFUL LINKS

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03 6184 7127
info@fortifyloans.com.au
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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.