First Home Buyers
How to Get Your First Home Loan Approved in 2025
What lenders actually look for, how to prepare your finances, and how a broker can improve your chances compared to going direct.
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Your Dream Home
Starts Here.
Expert mortgage broking with access to 40+ lenders and 300+ loan products. We find the best solution — so you can focus on what matters.
After over a decade working with Australia's largest financial institutions, Kevin Oliveira founded OLEND with a simple mission: put the client first, always. With access to 40+ lenders and 300+ products, we find the right loan for you — not the easiest one for us.
Kevin combines his background as a professional footballer in Europe — the drive, the strategy, the ability to think on his feet — with deep financial expertise to deliver an experience that's both personal and professional.
Whether you're buying your first home, growing a property portfolio, or expanding your business — we have the right loan for you.
First home buyers, upgraders, and downsizers. We find competitive rates from 40+ lenders to get you into your dream home.
Grow your property portfolio with tailored investment lending. Maximise your borrowing capacity and structure loans for optimal returns.
Are you paying too much on your current loan? We review your situation and switch you to a better deal — often saving thousands annually.
Enter the property market sooner. A family guarantee can help first home buyers avoid LMI and get into their home with a smaller deposit.
Building your dream home from the ground up? Progressive drawdown construction loans with competitive rates and flexible structures.
Leverage your self-managed super fund to invest in property. Specialist SMSF lending solutions with full compliance guidance.
From your first conversation to settlement day — we guide you through every step, making the complex simple.
We start with a free chat to understand your goals, financial situation, and what you need from a loan.
We analyse your finances and research 40+ lenders to find options tailored precisely to your needs.
You receive a clear recommendation with a choice of three lenders — explained simply, no jargon.
We prepare and submit your complete application to your chosen lender, managing all paperwork.
Your application is approved. Relax — we handle everything to ensure a smooth path to settlement.
Congratulations, you're settled! We stay in touch to ensure your loan stays competitive over time.
Every one of our 21 Google reviews is 5 stars. Here's what real clients say about working with Kevin.
"We had a great experience working with Kevin as our broker. He made the whole process smooth, stress-free, and easy to understand. He took the time to understand our situation, found the best options for us, and was always available to answer questions. We felt supported every step of the way and couldn't be happier with the outcome. Highly recommend Kevin!"
"I couldn't recommend Kevin enough. From start to finish, the process was handled with absolute professionalism, clarity, and care. He took the time to understand my situation, explained every option in plain English, and guided us through each step with confidence. What really stood out was his responsiveness and commitment — no question was ever too small, and we always felt like a priority."
"As a first-home buyer, I couldn't have asked for a better mortgage broker! Kevin was always available and incredibly quick to respond to any and all of my questions. He was very helpful throughout the entire process and always kept me well informed, taking the time to explain things clearly whenever I didn't understand. I couldn't recommend Kevin enough!"
"I have dealt with numerous people in the finance industry and by far Kevin has been the most transparent, efficient and friendly. I am grateful with the result — thank you again!"
"I had an excellent experience with Kevin at OLEND. He was always easy to contact and responded quickly to every question. Communication was clear and friendly, and he provided a wide range of mortgage options with helpful, honest advice. His guidance made the process smooth and stress free, and I felt confident in every decision."
"Kevin Oliveira, Director at OLEND, was outstanding in helping me purchase an investment property in Melbourne. From start to finish, he made everything seamless. Kevin handled all the details with professionalism, clear communication and efficiency. It honestly felt effortless on my end. I could not be happier with the outcome and would highly recommend him to anyone looking to invest."
"Kevin helped me a lot to find the most attractive mortgage lender for my needs. Then he helped me every step of the way to settlement. He was even available to answer my queries while he was overseas! I cannot praise Kevin and OLEND highly enough."
"Can't recommend Kevin highly enough. Very easy to deal with, provided easy to understand information and was always very quick with his return phone calls or emails. We never felt like we couldn't speak with Kevin."
Based in Sydney, we help clients across the greater metro area find the right loan — wherever you are.
Don't see your area? We work with clients across all of NSW — get in touch.
Stay informed with practical mortgage and property finance advice from Kevin.
What lenders actually look for, how to prepare your finances, and how a broker can improve your chances compared to going direct.
Read MoreInterest rates have moved. If you haven't reviewed your loan in the last 12 months, you could be paying thousands more than you need to.
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