Mortgage Anxiety is Real

Let’s cut through the noise: buying your first home is a big deal. It’s one of the most significant financial decisions you’ll make in your life, if not the most.

Add to that the financial responsibility, decades-long time commitment, a fierce property market and emotional commitment to the process, it’s no wonder the median age of first-time homebuyers has risen significantly in recent years.

Australians Are Hesitant to Buy

A recent PropTrack survey last year revealed that many Australians have delayed their first home buying plans, citing the high cost of living, expensive house prices and an uncertain economy as reasons not to enter the market, with only 20% of first home buyers considering it a good time to buy.

With Australians waiting longer and paying more, it’s understandable that first-home buyers feel hesitant to buy a home. Many young Australians believe the great Australian dream of home ownership is slipping out of reach

The good news is the dream of home ownership is still alive and well, it just takes more planning, resilience and confidence. Here’s how you can overcome the first-home buyer anxiety, and take the first steps toward homeownership.

What You Can Do:

1. Start Saving Early

If you’re still dreaming of buying your first home, but don’t think it’s feasible right now, it may be a good time to get a leg up.

Start putting money towards a deposit whenever possible. Even small, regular contributions to your savings can gradually build towards your home loan deposit.

Even if you’re not planning to buy for a year or even longer, get in touch with us. We can help explore reasonable loan options to suit your circumstances, create a savings plan and notify you on how much you’ll need to save over some time. Just by taking this step, the home buying journey can become less stressful and more achievable.

2. Take Advantage of Government Grants & Incentives

You’re not in this alone—both national and state governments offer grants and concessions to help first home buyers. These include:

Government incentives can significantly reduce upfront costs, making homeownership more accessible than you might think. Since schemes vary by state.

3. Talk to Others

Fear often comes from the unknown, and the homebuying process can feel intimidating if you don’t know where to start. Educate yourself and understand your options to gain confidence. If you have friends who have gone through the homebuying process, chat with them about the steps they’ve taken, how they’ve saved and how they feel on the other end of it.

Be sure to get expert advice. Mortgage brokers have the knowledge and experience to ease your concerns, explain available benefits, and help you develop a solid homebuying plan. Once you’re ready to take the leap, they’ll guide you through every step—securing pre-approval, negotiating with lenders, and supporting you through settlement and beyond.

A journey of a thousand miles begins with a single step—and your homeownership journey starts with a conversation. Whether you need help saving, exploring loan options, or navigating government incentives, I’m here to guide you every step of the way.

Contact Strawberry Finance in Hillarys, WA, today. Whether you’re a first-home buyer, upgrading, or investing, we’ll help you get pre-approved and set you up for property success.

What Clients Are Saying About Us

      EXCELLENT  
   Based on 175 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   rita lee 
 
 
 
 Trustindex verifies that the original source of the review is Google. We had Shaz who was professional, managed our anxiety, and we were so happy with the results and full approval. Found us a very competitive interest despite the complexities with our case. 10/10 experience.
  
 
      Posted on Google  
   
   Nyange Ngandu Simbi 
 
 
 
 Trustindex verifies that the original source of the review is Google. Many thanks Rob for helping me out, you are just excellent broker. Many thanks.
Theodor
  
 
      Posted on Google  
   
   Anshika Thakur 
 
 
 
 Trustindex verifies that the original source of the review is Google. Honestly, so glad I went with Shaz and Sahil at Strawberry Finance. They were always there whenever I had questions and made sure I understood everything properly. The whole process was much easier than I expected. Thanks heaps, guys, really appreciate all the help!
  
 
      Posted on Google  
   
   Sam Key 
 
 
 
 Trustindex verifies that the original source of the review is Google. I would highly recommend Shaz at strawberry finance.
This is our second time with Strawberry Finance and get got approved in 2 days!

The entire experience was easy and stress free.
Shaz was able to secure a much better rate than previously on and was able to save us alot of money!!
  
 
      Posted on Google  
   
   Hayley Hall 
 
 
 
 Trustindex verifies that the original source of the review is Google. We recently had a particularly complex matter, and the team at Strawberry Finance were fantastic to deal with. They were on top of everything, always approachable, responsive and happy to help, which made a real difference. We genuinely appreciate their support and always enjoy working with the team at Strawberry Finance. Highly recommend
  
 
      Posted on Google  
   
   Sai Phone Myint Oo 
 
 
 
 Trustindex verifies that the original source of the review is Google. As a first home buyer, I’m very grateful for the support I received from Shaz. He has been extremely helpful, professional, and very quick to respond to any questions I had throughout the process.

I would highly recommend Shaz, Sahil and Strawberry Finance Team to anyone looking for a reliable and supportive mortgage broker.
  
 
      Posted on Google  
   
   Kash .. 
 
 
 
 Trustindex verifies that the original source of the review is Google. We had a great experience with Sahil, Shaz and Nitin at Strawberry Finance. Sahil was professional and approachable, Shaz was extremely helpful and responsive, and Nitin was also great throughout the process. The whole team made everything smooth and easy to understand and genuinely cared about helping us. Highly recommend Strawberry Finance for anyone looking for a reliable mortgage broker.
  
 
      Posted on Google  
   
   Kate White 
 
 
 
 Trustindex verifies that the original source of the review is Google. We had the best experience working with Sahil and Shaz and I cannot recommend them enough. So reliable, great communication and genuinely went above and beyond for us throughout the entire process.

Nothing ever felt like too much trouble, they were always quick to answer our questions and kept us updated every step of the way.

We felt completely looked after from start to finish and wouldn’t hesitate to work with them again. If you’re looking for brokers who genuinely care about getting the best outcome for you, these are your guys. Thank you so much!
  
 
      Posted on Google  
   
   Deng Aban 
 
 
 
 Trustindex verifies that the original source of the review is Google. Shaz and Sahil made the whole process feel way less stressful than I expected. They were prompt, straightforward, and just got things done. No fluff, no chasing. Felt like I was actually being looked after rather than just processed.
  
 
  
  
 
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