Your first home, simplified.
Stepping onto the property ladder is one of life's biggest milestones. We provide the expert guidance and whole-of-market access you need to make it effortless.
Why choose Simplex?
We handle the complexity so you can focus on finding the perfect home.
Whole-of-Market Access
We scan thousands of deals from over 100 lenders to find the lowest rates and best terms for your specific situation.
Expert Guidance
From your initial deposit plan to getting your keys, we explain every step of the process in plain English.
Specialist Schemes
Access to Shared Ownership, Help to Buy (where applicable), and Joint Borrower Sole Proprietor arrangements.
Agreement in Principle
Get an Agreement in Principle quickly so you can start viewing properties with confidence and a solid budget.
The journey to your first home.
From budgeting to collecting your keys, here's what to expect when buying your first property — and how we support you at every stage.
Understanding your budget
Work out what you can comfortably afford each month, factoring in bills, living costs and potential rate changes. This sets the framework for everything that follows.
Save for your deposit
The bigger your deposit, the better the rates you'll access. Aim for at least 5–10%, though 15% or more unlocks the most competitive deals.
Get a decision in principle
Also known as an Agreement in Principle, this confirms what a lender is prepared to lend and shows sellers and agents you're a serious, ready buyer.
Make an offer
Once you've found the right property, we help you submit a strong, informed offer backed by local market knowledge and your Agreement in Principle.
Apply for your mortgage
With your offer accepted, we submit a full mortgage application, matching you with the lender and deal that best fits your circumstances and goals.
Legal searches and valuation
Your solicitor carries out conveyancing searches while the lender arranges a property valuation to confirm the home's worth and secure the loan.
Final steps and completion
Contracts are exchanged, funds are released, and you collect the keys to your new home. We stay by your side right through to completion day and beyond.
Common Questions.
Everything you need to know about your first mortgage.
The Simplex Process.
Expert guidance at every stage of your first-time buyer journey.
Discovery
A 15-minute call to understand your goals, deposit, and budget.
Strategy
We scan the whole market to find the best first-time buyer deals for you.
Completion
We handle everything from application to keys in your hand.
Your next chapter starts here.
A 15-minute call is all it takes to know exactly where you stand and what's possible.