Everything you need to know about working with Seamless Edge and the first home buyer process.
Seamless Edge is an Australia-wide first home buyer mortgage brokerage. Sila Ketan compares loans from 50+ lenders, identifies every government grant and scheme you qualify for, and manages your mortgage application from start to settlement — at no cost to you.
Yes — our service is completely free to you. Sila is paid a commission by the lender after your loan settles. This is disclosed transparently upfront. There are no hidden fees, no application charges, and no obligation after your initial consultation.
While our head office is based in Melbourne (2/287 Chesterville Road, Bentleigh East VIC 3165), we serve clients across Australia. We conduct consultations by phone, or via video call, ensuring a seamless experience no matter where you live.
In most cases, lenders require a minimum 20% deposit to avoid Lenders Mortgage Insurance (LMI). However, with government schemes like the First Home Guarantee, eligible buyers can purchase with as little as 5% deposit with no LMI. Single parents may qualify for just 2% deposit through the Family Home Guarantee. Sila will advise the minimum deposit required for your specific situation.
The First Home Guarantee is a federal government program that allows eligible first home buyers to purchase with a 5% deposit without paying LMI. The government guarantees up to 15% of the loan, meaning you avoid LMI — saving potentially $10,000–$30,000+. Sila will check your eligibility and apply on your behalf.
Yes — many schemes can be stacked. For example, you may be able to use the First Home Guarantee (5% deposit, no LMI) alongside the First Home Owner Grant and a state-specific stamp duty exemption at the same time. Sila maps out your complete entitlement in your first free consultation.
The FHOG is a one-off cash grant from state and territory governments for eligible first home buyers purchasing a new home. The grant amount varies by state (for example, between $10,000 and $20,000). The property must be newly built or substantially renovated. Sila handles the full application as part of your loan process no matter where you live.
First home buyers across Australia may qualify for full stamp duty exemptions or partial concessions. The exact thresholds and rules depend on the state or territory in which you are purchasing. Additional concessions may also apply for off-the-plan purchases. Sila will calculate your exact saving upfront.
The FHSS allows you to save up to $15,000 per year ($50,000 total) inside your superannuation as a deposit, with potential tax advantages. Couples buying together can each access up to $50,000, creating a combined deposit pool of $100,000.
Pre-approval typically takes 3–7 business days once all documents are submitted. Full approval after finding a property takes another 3–10 business days depending on the lender. Settlement is usually 30–90 days after signing contracts. Sila manages the entire timeline and keeps you informed at every stage.
In your first free consultation, Sila will: understand your goals and timeline, assess your borrowing capacity, identify every grant and scheme you qualify for, explain your deposit options and LMI implications, and outline the next steps. No paperwork is required before this call — just a conversation.
Yes — Sila is fluent in both English and Samoan. She has a deep connection to Australia's Pacific Islander communities and ensures every client feels respected, heard, and comfortable throughout the process.
Yes. Sila understands that many first home buyers work full-time. Consultations are available in the evenings and on Saturdays. You can also communicate by phone, email, or WhatsApp at a time that suits you.
Once your documents are in order, most pre-approvals come through within 24 to 72 hours. We tell you exactly which documents you need in the first conversation so there are no delays.
Yes. A past credit event does not automatically disqualify you from borrowing. The impact depends on the nature of the issue, how long ago it occurred, and how your financial situation looks today. We work with lenders who take a more holistic view. A five-minute call costs nothing.
Book a free, confidential consultation with Sila Ketan. We'll answer every question and map out your complete path to home ownership — at no cost to you.