First Home Buyers
We guide first home buyers through grants, loan options, and paperwork—comparing 50+ lenders to find the right loan and make the process stress-free.
Buying your first home?
We’ll help you understand your options, secure pre-approval, and navigate the process with clear, expert advice.
Buying your first home can feel overwhelming — but we’ll help you cut through the noise and get clear on what’s possible.
We’ll guide you through everything: government schemes, deposit options, lender policy, and how much you can borrow. We take the time to explain it all in plain English.
We’re also happy to work with your conveyancer or accountant to make the process smooth from day one.
More Loans. More Choice.
We compare hundreds of loans from over 50 of Australia's leading lenders to give us the best chance of finding the ideal loan for you, both now and in the future.
Incredibly easy, smooth, and stress-free
Patrick and team made the loan process incredibly easy, smooth, and stress-free. The team was always available to answer our questions and provide clear guidance every step of the way. They took the time to understand our goals and worked alongside us to ensure we achieved the best outcome. We truly appreciated their support and will definitely use them again in the future. Thanks OGMA Finance!
~ Jenny C.
Patrick Morgan
Director, OGMA Finance
In Celtic and Irish folklore, Ogma was the deity of knowledge and this is the inspiration behind OGMA Finance. We strive to share our knowledge and expertise to help our clients achieve their financial dreams.
As an award-winning Mortgage Broker, Patrick draws upon his experience, his contacts in the Australian lending market and his banking know-how to deliver exception customer service and sound advice. By understanding his clients goals, Patrick helps them develop the right structure(s) and lending options to suit short and long term needs.
Patrick specialises in owner occupied and investor home loans and his talent and dedication has been recognised with the following awards:
- 🏆 Finalist – Best Mortgage Broker 2025 (Better Business Awards)
- 🏆 Finalist – Best Finance Broker 2024 (Better Business Awards)
- 🏆 Finalist – Best Mortgage Broker 2024 (Better Business Awards)
- 🥇 Winner – Top Writing Broker 2018 (1300 Home Loan)
- 🥇 Winner – Top Writing Broker 2019 (1300 Home Loan)
Frequently Asked Questions
How much deposit do I need?
Some lenders allow as little as 5% deposit with LMI, or 2% with government support. We’ll help you understand the options.
Can I access the First Home Buyer Guarantee or other schemes?
Yes — we’ll assess your eligibility and guide you through the process if you qualify.
What’s the difference between pre-approval and full approval?
Pre-approval is an initial assessment, giving you confidence to shop. Full approval happens once you’ve signed a contract and all docs are verified.
Do I pay you for your service?
In most cases, no — our service is free, as we’re paid by the lender once your loan settles.