In todays market place, finding a quality home loan product from a secure lender is crucial for your financial security. That's why more and more are turning to mortgage brokers to help them source the best home loan.

With so many things to consider when buying your first house, and a seemingly endless list of expenses, this guide points you in the right direction, with tips on the First Home Owner's Grant, how much you can borrow, and the home buying process.

Home loans generally have either a fixed or variable interest rate, or a split rate - a mixture of both. A fixed rate home loan is taken out for a set period with a set interest rate; when this period ends you can fix the rate again, or switch to a variable interest rate which fluctuates with the market.