Owning your dream home in 9 easy steps

UNO Home Loans can help any first home buyer, such as 34-year-old David from NSW, get a loan that suits individual needs. See our mortgage calculator.

There might be one thing worse than being outbid for your “dream” property – not being able to bid at all because your finances aren’t in order. This is a sadly familiar story for those who want to buy a home they see on a property website but can’t move quickly enough to secure it. We all know that buying real estate can come with as much uncertainty as it does excitement. It can be a process that leads to pleasure and security, or heartache and financial ruin. Even once you pin down the ideal property, it can be hard to know where to find all of the contractual trapdoors and financial slippery slides. Consumer Affairs Victoria publishes a checklist of 15 things for prospective property buyers to help them avoid disaster. It covers areas such as property inspections, auction strategies and conveyancing, but the top list item is ensuring buyers have a budget in mind and that their finances are in place. How much can I borrow?Use UNO's calculator to estimate your borrowing capacity. Calculate Now What stumps many buyers is knowing what is involved in the actual process of securing finance. Unless you’re an investor, securing a loan to buy property is something you might do just once or twice in your lifetime. It’s strange and scary territory for even the hardiest of souls. How much can I borrow? What fees will I need to pay? How much will it all cost?A good start for finance hunters is signing up for UNO Home Loans, which helps homebuyers compare hundreds of loan products from major and specialist lenders. Book in a quick call with our customer care team, they can help you choose a loan package that best suits your circumstances. Tim Bowcock, UNO’s head of mortgage services, has prepared a series of simple steps that shows how UNO can help prospective buyers move from property dreamers to homeowners.

  • You apply and provide documents to verify your application information. This would include things such as photo ID, payslips and bank statements.
  • We secure pre-approval for the expected maximum loan amount. This will help you negotiate the best purchase price.
  • You find a property you want to purchase and negotiate a mutually agreeable price with the vendor.
  • We instruct the lender to perform their property valuation, and then convert your pre-approval into a formal (unconditional) approval.
  • You pay 10 per cent deposit from your savings (if necessary, for a fee, deposit bonds can be used in place of cash) and sign the Contract of Sale. This is referred to as “Contract Exchange”.
  • We instruct the lender to prepare the mortgage and loan contracts, check these documents and forward them to you for signing. If this is your first mortgage it would be advisable to have your conveyancer explain these documents in detail.
  • You sign the documents and return them to us or directly to the lender.
  • We ensure the funds are ready for settlement by co-ordinating between the incoming and outgoing lender (if there is one).
  • You take possession of the property on settlement day and commence making loan repayments within one month. This is referred to as “Settlement”. Need a home loan?UNO. The new way to get a better deal. Get Started“UNO is there to help you, seven days a week,” Bowcock says. “Think of us like a personal trainer for home buying – your mortgage coach.” Image: BresicWhitneyBook a call in with UNO
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What our customers are saying

Dylan Aubrey
May 31, 2025
5 stars for our service reviews from clients
Jesse did a great job with helping me secure my loan, will be using him again in the future
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Tom Deal
May 30, 2025
5 stars for our service reviews from clients
This is the second time I’ve worked with Mike Parsons, and I wouldn’t go anywhere else for mortgage advice. He’s extremely knowledgeable, responsive, and always happy to help. Mike takes a consultative approach, presenting clear options and making the whole process stress-free. Friendly, professional, and genuinely invested in getting the best outcome. Highly recommend and will definitely use him again!
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ShelleyGawith Functional Nutrition
May 27, 2025
5 stars for our service reviews from clients
Paul was amazing to work with. He went out of his way to help us with every last question. He sorted everything out for us, was a wealth of knowledge in terms of who else to use to support us in the buying process. He made moving from New Zealand so easy. He explained everything to us in an easy to understand way. He really worked for us!!! Plus he's such a lovely funny guy, super approachable. Super responsive, has a great team. Totally took care of us in the whole process. I can't wait to use Paul again and would recommend him to every kiwi moving over and all our aussie friends :)
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Matt Carter
May 21, 2025
5 stars for our service reviews from clients
Paul from Uno has been amazing. Made it so easy! Highly recommend and made the finance process much more enjoyable experience for us.
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Timothy Semsarian
May 17, 2025
5 stars for our service reviews from clients
UNO went above and beyond to help my wife and I with our home loan and settlement. Couldn’t recommend them enough - Jake Wood was an absolute legend! Kept us informed during the whole process and was very thorough with his work, even with a very tight timeframe. Thank you again for all your help, and looking forward to continue using your services!
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Patti Jo Mogensen
May 16, 2025
5 stars for our service reviews from clients
100% Rockstar. We found Paul and Uno Home Loans from recommendations from people who had used his services. We know understand why he comes so highly recommended. We definitely put Paul and his team under pressure due to an oversight our end which meant that he had to don his superman cape and work miracles for us. We didn't appreciate the very very short window we created for ourselves (think less than two weeks for settlement). Paul was able to wave his magic wand, come up with multiple solutions to our situation and make it all happen seamlessly. It goes without saying then, without reservation that we recommend Paul and his team as our trusted mortgage advisor! Thanks again Paul. *****The limoncello is on route we promise :)
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Lani Wards
May 13, 2025
5 stars for our service reviews from clients
Paul Davey worked very hard to get us the mortgage we required for our investment property. He is knowledgeable and approachable. Thanks Paul!
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Michael Badham
May 13, 2025
5 stars for our service reviews from clients
Our entire process with Uno went very well. We had a unique set of requirements for our loan and our super friendly broker Mike Parsons managed to secure us the perfect outcome. Mike also worked above and beyond our expectations to make sure the whole process of completing the documentation of switching banks went smoothly.
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Vanessa Koster
May 13, 2025
5 stars for our service reviews from clients
The service recieved from Paul was fantastic. He made the whole process stress free & easy. We started the process from NZ & Paul had everything ready for approval as soon as we landed in Aus. I would highly recommend Paul if you require a mortgage. You won't be dissapointed.
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Peta Hemmings
May 13, 2025
5 stars for our service reviews from clients
Paul has been amazing throughout our entire home loan process, we have recommended him to many of our family and friends. He has been extremely helpful and professional right from the beginning.
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Ryan Whittle
May 12, 2025
5 stars for our service reviews from clients
Highly recommended, Paul and his team made the process very streamlined delivering the best possible results.
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Tiana Perez
May 10, 2025
5 stars for our service reviews from clients
Paul and Dalby were incredible to deal with, from the first interaction with Paul a few months prior, to getting approval to purchase, through to the last minute helping us with the final settlement details. Their communication was second to none and they truly went the extra mile. Paul managed to get us more borrowing power than dealing with the bank directly. I couldn't recommend Paul and his team enough. Paul and Dalby, thank you so much for putting hours and hours of work into our application. We really appreciate it!
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