Your pathway from renting to owning — mapped out for you.
Since our director Clive Lorton started in new homes in 1994, we've helped over 1,000 families stop renting and into a home of their own. We introduce you to our builder partners offering house and land packages and help coordinate the process. For home loan assistance, we work with Jeff and the team at My Finance People.
2026 grant guides: Queensland first home buyer grants · Victoria first home buyer grants
their own home
Three pathways, one clear plan
Whether you're buying your first home or building an investment portfolio — we'll show you what's actually possible. Considering refinancing? We'll point you to Jeff and the team at My Finance People.
First Home Buyers
Low- and no-deposit options, government scheme guidance and every grant you're entitled to. Stop renting sooner than you think.
Explore first home buying →Investors
Explore house and land packages from our builder partners, with introductions and communication coordinated while you decide with your own advisers.
House and land for investors →Refinance
Considering refinancing? Jeff and the team at My Finance People can review your home loan and discuss available options.
Refinancing with My Finance People →Home loan and credit assistance services are provided by My Finance People Pty Ltd (ACN 169 314 881), Credit Representative No. 462071, operating under Australian Credit Licence 389328. Your Property Pathway and My Finance People are separate businesses. Your Property Pathway does not provide credit assistance and receives no commission or referral fee from finance providers.
See what renting is really costing you
Set your weekly rent and a home value, then see it play out over 5 years — the rent you'd hand your landlord versus the tax-free equity your own home could build growing at 7% a year, the long-term average Australian home values have delivered over the past 40 years.
Over 5 years at 7% growth p.a.
What these numbers mean
Renting at $650 a week costs you $169,000 over the next 5 years, and none of it comes back to you. Put those same 5 years into a $700,000 home of your own and it could be worth $981,786 — so $281,786 of value would have built up in your name instead of your landlord's. Side by side, that's a $450,786 difference in where you end up.
One thing to be straight about: owning has costs this doesn't count — loan interest, rates and insurance — and nobody can promise what the market does next. Working out your real numbers is exactly what the free call is for.
Illustrative only. The equity figure assumes a home growing at 7% p.a. compounded over 5 years — the long-run average annual growth in Australian home values over the past 40 years (ABS and CoreLogic data) — and doesn't account for interest, fees, deposit or market movements. Past growth is not a guide to future growth. Your real numbers depend on your circumstances — working them out, honestly, is exactly what our free 5-minute call is for.
How renters are getting into their own home
Three government programs, run by different bodies, that an eligible first home buyer may be able to use together. Scroll the pathway to see how they apply where you live.
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1
Where most people start
Rent builds someone else's equity
$33,800a year, at $650 a weekEvery dollar goes to your landlord, and none of it comes back. After five years that's $169,000, and none of it has built equity for you.
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2
The deposit
5%, not 20%
The Australian Government 5% Deposit Scheme lets eligible first home buyers buy with a 5% deposit and no lenders mortgage insurance. Since 1 October 2025 there's no income cap. Price caps apply: .
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3
The grant
A First Home Owner Grant on a new home
$30,000It's for new homes, not established ones, which is why house and land packages suit so many first home buyers.
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4
Stamp duty
No stamp duty on an eligible new home
Read the QLD 2026 guide → -
Your next step
Find out which of these you qualify for
One free 5-minute call. No documents, no credit check, and a straight answer either way.
Illustrative only. Figures checked against official sources in October 2026. Eligibility criteria apply to each program, and final eligibility is determined by the relevant government authority, scheme administrator or participating lender. Home loan assistance is provided separately by My Finance People.
We don't guess — we check what's possible for you
Most people assume owning is out of reach because no one has ever actually sat down and run their numbers. We do that first — for free — then build the plan around it.
- Low- and no-deposit pathways and every grant you qualify for
- Separate businesses, working together: we coordinate your house and land journey, and My Finance People provides home loan assistance
- A team with 60+ years of combined experience across QLD, VIC & WA
- Straight answers — an honest "not yet" beats years of guessing
From first call to front-door key
Discovery call
A free 5-minute chat to understand your goals and show you, honestly, what's possible right now.
Explore your options
We introduce you to our builder partners offering house and land packages. We explain government home buyer schemes, grants and concessions and their published requirements. Jeff and the My Finance People team provide home loan advice and credit assistance separately.
Coordinate the next steps
We help organise communication and appointments with the builder and your chosen legal and finance providers.
▶ A quick word from our team on how it works
Real results from real clients
“Clive is an absolute delight to talk with. He and his team patiently walked us through the process and made our entire mortgage journey completely stress-free — from pre-approval to settlement. I would love to give them a hundred stars!🥰🙏”
“What can I say — Clive is amazing. What he says, he does. I never thought someone could show me how to get into my own home, but he did, and he did it easily. You and the team made life so easy. Thanks Jeff, Clive, Jaimee and James!”
People who've done this a thousand times
With 60+ years of combined experience, our team works hand-in-hand to make your journey simple, smooth and stress-free.
Clive LortonDirectorWorking in new homes since 1994; helped 1,000+ families escape renting.
Jaimee RogersGeneral Manager7+ years in real estate; researches every area to find the right property.
Craig TurnbullSenior Property SpecialistA 30-year property career and market knowledge across Australia.
Boris DesmondProperty StrategistTurns uncertainty into a clear, structured property pathway.
Angie RogersClient ExperienceKeeps every journey running smoothly and clients in the loop.
James BlankleySystems & OperationsRuns the tech and systems that keep everything reliable.
Jeff EuphemieMy Finance People30+ years in finance, 16+ of them working alongside Clive.
Alison EuphemieMy Finance People20+ years keeping finance smooth, from structuring to settlement.
Common questions
What does Your Property Pathway do?
Your Property Pathway helps customers explore house and land packages from our builder partners in Queensland, Victoria & WA. We coordinate introductions and communication. My Finance People provides home loan and credit assistance separately.
Which areas of Australia do you cover?
Queensland, Victoria and Western Australia, from Perth across to Melbourne and up the Queensland coast to Cairns. The office is at 2/14 Lavarack Rd, Mermaid Beach on the Gold Coast, and the whole process can be run remotely by phone and email.
Do I really need a 20% deposit to buy a home in Australia?
No. The 20% figure is a convention, not a rule. Under the Australian Government 5% Deposit Scheme (formerly the First Home Guarantee), eligible first home buyers can purchase with a 5% deposit and avoid lenders mortgage insurance, and since 1 October 2025 the scheme has no income cap. Whether it fits you depends on your income, the postcode you would buy in, and the property itself.
What happens on the free 5-minute Pathway Call?
A member of the team talks through what is possible for you right now. Together we work out your borrowing capacity, working with My Finance People to give you the right numbers to work with. We help you understand government home buyer schemes, grants and concessions, including how they work, published eligibility requirements and applicable property price caps. Final eligibility is determined by the relevant government authority, scheme administrator or participating lender. Home loan advice and credit assistance are provided separately by My Finance People or your chosen finance provider. There are no documents to gather and no sales pitch. If the timing is not right yet, you get the specific list of things that would change it.
Does checking if I qualify affect my credit score?
No. The Pathway Call is a conversation, not a loan application. No credit check is run and nothing touches your credit file unless and until you decide to proceed.
What does it cost?
Your Property Pathway does not charge you any service fees throughout the entire process. We receive no commission or referral fees from any finance providers, land developers, or legal companies. Our remuneration comes from the wholesaler upon successful construction.
Can you help if I already own a home?
Yes. We can introduce existing homeowners and investors to our builder partners offering house and land packages in Queensland and Victoria. Your own advisers can help assess whether an option suits your circumstances. If you're considering refinancing an existing home loan, Jeff and the team at My Finance People can review your loan and discuss available options.
More detail by pathway: first home buyers · investors · refinancing. Prefer to talk? Contact us or call 0418 252 432.
See what's possible — before you guess
A few quick details, then pick a time that suits. One of our team calls you and gives you a straight answer, either way.
Prefer to talk now? Call 0418 252 432.