Advanced Credit Assessment For First Home Buyers

Discover A Smarter Way To Buy Your First Home
So You Get The Best Start And Grow Your Wealth Faster

139+ Five Star Reviews on Google

Request Your Free Credit Assessment

26% More
Loans Approved

Our deep understanding of bank policy gets 26% more loans approved (and often gets better conditions for you, too)

Complex
Finance Specialists

Our priority access to senior credit officials can solve more complex problems, faster

Focus On
Long-Term Wealth

Our exciting wealth-building ascension model creates long-term wealth while solving your biggest problems now

Here’s How To Start An Exciting Journey As A First Home Owner (And Avoid The Errors Many Others Make)

Getting your first home shouldn’t be so hard. Rather, it should be an exciting time where you get to stop spending ‘dead’ money on rent, and start building your own financial future. But sadly, like other nervous first home buyers perhaps you are…

Unsure How Much You Can Borrow…

And want expert, independent advice so you know what the interest, fees, and repayments will be before you start looking at houses?
Confused About The Latest First Home Buyer Programs…

And want guidance to make sure you don’t miss out on thousands in grants that could help you get a better home sooner?
Don’t Have Time To Research All Your Options…

And wish you could find an honest, independent expert who can shortlist the best loans and lenders for your specific situation?
Worried About Being Declined…

And want help preparing the paperwork and contacting the right lender so you get more money at a better rate without risking damage to your credit rating?
Afraid Of Making Mistakes…

And would like to have an experienced lending manager walk you through the whole process – completely free of charge?

Many first home buyers have similar questions. That’s why we’ve developed a Free Credit Assessment to help you get finance approval for more money, so you can stop paying rent and start building your own financial and family future – sooner.

Request Your Free Credit Assessment

Request Your Free Credit Assessment

How We Help First Home Buyers
Get A Better Head Start
(And Lay The Foundations For A Wealthier Future)

The expert team at Virtus specialises in helping first home buyers get finance approval for more money at a better rate, so you can get your own home sooner and save thousands in interest and fees over the life of your loan.

While other brokers may be able to get you a loan, our holistic and approach and ongoing ‘coaching’ helps you access maximum grant money, and structure your finances so you get the best overall outcome including:

The best loan with the lowest interest and fees
The right structure for maximum flexibility and tax savings
The optimum strategy to reduce debt and accelerate your wealth

Unlike other banks and brokers that are obligated to recommend company-approved loans, we are fully independent, with access to senior assessors at more than 50 lenders so you get:

Priority response for faster approval
Personalised assessments (no ‘bot broking’) to maximise your borrowing capacity with better rates and conditions
Favourable approval for complicated lending and investment scenarios (even if other banks have said “no”)

Request Your Free Credit Assessment

Request Your Free Credit Assessment

People Are Talking About Virtus

Dozens of clients (so far) have taken the time to give us a 5-star review. Here’s what some of them had to say about how we’ve helped them:

"5 stars and highly recommend"

“Travis and Sarah’s professionalism has been a new and amazing experience for me. The stress of being self employed and applying for a home loan was initially overwhelming until these two guided me through every step of a completely streamline process. I cannot thank VMBS enough for all their patience and hard work🧡. 5 stars and highly recommend:)”

Chris Dowley

"I would recommend his services to anyone"

“Travis was very professional, thoughtful, and knowledgeable throughout our whole lending experience. He was very fast and conscientious, which resulted in getting our lending approved in record time. The technology he utilizes makes the whole process seamless and extremely user-friendly. I would recommend his services to anyone.”

Nicola Wulf

"He is exceptionally good at his job"

“Do yourself a favour and get Travis on board with your financing!! I was a first-time homebuyer with absolutely no idea and he made it all work out. He is exceptionally good at his job, and I strongly recommend him to anyone looking for a house.”

Josh Flatley

"We highly recommend"

“Travis went above & beyond to negotiate the best deal with the banks on our behalf as well as ensuring finance approval for our property purchase proceeded in a timely manner. We highly recommend Virtus Mortgage Broking Services & look forward to being long-term customers.”

Marc & Lara Fabiani

"It was a pleasure to work with Sacha."

“I can highly recommend Sacha from Virtus Mortgage Broking Services. I found Sacha to be diligent in her professionalism, providing expert guidance and knowledge during the recent purchase of my property. It was a pleasure to work with Sacha.”

Christine Ryan

"We're delighted with our recent purchase"

“Travis and Sarah have been fantastic! Our journey was pretty long and at times stressful, with ongoing complications, but Sarah and Travis were amazing in their perseverance, ensuring we got there in the end. We're delighted with our recent purchase and can't thank Sarah and Travis enough for their ongoing and proactive communication, and overall service and professionalism. Can't recommend highly enough!”

Melanie Grigg

Virtus Mortgage Broking Services

5.0

Based on 146 reviews

review us on

Emma Neylon

01:15 22 Nov 23

Great communication & easy to deal with! 5 stars!

shari hope

06:35 14 Nov 23

We could not recommend Travis and the team at Virtus higher.Travis helped us secure bridging finance and went above and beyond to achieve a positive result, under very tight time constraints. His knowledge, experience and communication were of the highest standard and we would not hesitate in recommending Travis and the team at Virtus to anyone looking for mortgage broker services. Thank you, Travis, for the high level of professionalism and service shown to us while helping us secure our dream home. Warmest regards, Alastair and Shari.

Stephen Mckenzie

04:33 29 Oct 23

Travis has been extremely helpful. The communication and support has made the process seamless.

Jack Thornton

05:10 24 Oct 23

10/10 service, Travis really knows what he is doing, many thanks to the team there can’t rate them highly enough.

Lynda Muir

23:17 16 Oct 23

Sacha was recommended to me, and I am so grateful.Sacha helped me purchase my property when the banks said no. She worked to find a bank that would make it all happen, provided ongoing communication keeping me up to date on the process, very professional, honest, friendly, and easy to talk. No request was ever too much.I wouldn't hesitate to use Sacha again in the future or recommend it to family and friends.Thank you, Sacha 😊

Byron Ward

00:59 10 Oct 23

Travis and his team are amazing! We have now used Virtus Mortgage Broking Services three times over the years with our mortgages and each time the team are beyond helpful. Everything is always explained in detail and no request is ever too hard. They are quick and efficient and keep you informed and up to date throughout the process. Could not recommend this team enough!

Cristina Zanetti

00:18 09 Oct 23

My partner and I have gone through the process of buying our first property, and I couldn't recommend Virtus enough. They guided us through each step as two young first-property buyers and were always available to answer any questions we had. Our finance was assessed and approved quickly thanks to Travis and Sarah bring very prompt, organised and easy to communicate with, and they were always on top of letting us or other relevant parties know exactly what information was needed throughout the application process. Thank you guys so much, you have made this big new chapter of our lives much easier and positive than we could have imagined!

Jordan Marshall

08:58 06 Oct 23

Amazing service, made my life a lot easier.

SusieB & Son

00:39 05 Oct 23

The team has done it again. Cant thank Travis, Sarah, and the team enough. Commuication, throughout the whole process is spot on. Borrowing is made easy with Virtus. The company is getting popular for a reason. I have referred friends and they have come out gleaming with happiness also. Will always be using virtus for my future investments.Thank you team your service is impeccable.I highly recommend them to anyone, you wont be disappointed.

James Brown

10:00 29 Sep 23

Jackie Wrigglesworth

01:23 25 Sep 23

Informative, knowledgeable prompt service

Mark Tattam

23:18 08 Sep 23

My first time dealing with Travis from Virtus.He was easy do deal with and made the entire processing of finding the best mortgage for our situation as smooth as possible.Would recommend to friends and family.

Natalie Grace

03:58 30 Aug 23

So grateful we found Travis! The mortgage game is tricky to navigate and Travis has been incredible with all his knowledge and diligence. He did all the hard work and found us the best mortgage options alleviating all the stress of that from us. His communication is great and he is so approachable…no question or change to plans was ever an issue. We’ll be sticking with Travis for all of our further mortgage needs without a doubt!

George Corbett

15:00 23 Aug 23

Dealing with Travis and the team at Virtus is second to none,Dealt with the team on two occasions now the professionalism the “I got you attitude” giving you the confidence that you think you don’t have is a Breathe of fresh air giving you great options and finding the best Banks to fit your needs and budget.Travis and the team at Virtus plays a massive part in my financial decision and my financial network to make things happen.

Ethan Gray

12:08 23 Aug 23

Travis was an awesome help and answered any questions we had with great and easy to follow explanations. He has gone above and beyond to help us purchase our first home. Would highly recommend working with Travis/ Virtus Mortgage Broking Service

Roxy Sproule

03:17 23 Jun 23

Travis and his team went above and beyond to assist our family in securing a mortgage for our family home. Thanks to Travis's expertise and dedication, we obtained a mortgage that exceeded our expectations. He thoroughly understood the challenges faced with self-employment and connected us with a lender who understood this.Travis demonstrated a deep understanding of my husband's self-employment circumstances, providing tailored guidance and flawlessly presenting our financial documents to potential lenders. Throughout the process, Travis and his team maintained excellent communication, promptly addressing our concerns. We highly recommend Travis and his team to anyone seeking a mortgage. Their exceptional service and commitment to finding the best solutions make them the go-to mortgage brokers in the industry. We are grateful to Travis for his invaluable support, making our mortgage journey a success!

Cooper Lower

04:04 13 Jun 23

We recently got on to Travis/Virtus Mortgage Broking services through a great recommendation from a friend and can say that we were overwhelmed with the support from the Virtus team. Travis and his team went above and beyond to ensure we got the best loan options available and we were really impressed with their communication, flexibility and efficiency. We look forward to exploring all future purchasing options through Travis and the team as we are eager to keep expanding in the property space personally and commercially. Thanks again!

Kellie Gollings

03:26 17 May 23

I couldn’t recommend Sacha Harrison & team at Virtus Mortgage Brokering Services highly enough! Sacha has been an absolute power house throughout my loan journey. Super efficient, always quick to call or email with any updates and goes above and beyond with getting what you need across the line! Sacha huge thanks to you - you’ve made this process and easy one to navigate & you’ve made my dream come true! Couldn’t thank you enough! I’ve already passed your number onto several friends and will continue to do so! You won’t be disappointed contacting Sacha & team for brokering services! I’d give you a 10 star rating if I could!Thank you so so much - Kellie Gollings

Lara Fabiani

09:03 27 Nov 22

Virtus Mortgage Broking Services have provided excellent advice & professional service with refinancing our home loans & facilitating a further loan for an investment property. Travis is very thorough & always responsive to the many questions we had throughout the process. Travis went above & beyond to negotiate the best deal with the banks on our behalf as well as ensuring finance approval for our property purchase proceeded in a timely manner. We highly recommend Virtus Mortgage Broking Services & look forward to being long term customers. Marc & Lara Fabiani

chris dowley

00:02 06 Sep 22

Travis and Sarah’s professionalism has been a new and amazing experience for me. The stress of being self employed and applying for a home loan was initially overwhelming until these two guided me through every step of a completely streamline process. I cannot thank VMBS enough for all their patience and hard work????5 stars and highly recommend:)

Billie Davis

01:28 27 Jul 22

Travis and his team have been nothing short of amazing handling our matters; they worked their magic and helped us achieve the best outcome. Each step of the process was made easy and having their support helped us immensely. Thank you again for all that you have done and we look forward to continue working together.

Lisa Mussing

00:30 10 Jun 22

Travis and the team at Virtus Mortgage Broking Services have been second to none. From the first initial phone meeting we knew we had been linked to a broker that we could trust and also understood the vision we have. They made the process so seamless. I highly recommend them to anyone that needs a mortgage broking service.

Kerri Smith

06:37 07 May 22

From my first conversations with Travis, and Sarah, the Virtus Team were there from start to finish in regards to aiding me to purchase my home - making the process easier than anticipated. Thank you to you and your team for navigating the mortgage process for me. I also want to thank you for the little personal touches along the way, from Travis's call to let me know my finance was approved. The answering of my many questions via email or phone, and up to Sarah's final call to congratulation me on settlement. Thank you very much.

Request Your Free Credit Assessment

6 More Reasons Why First-Home Buers Trust Virtus Instead Of Other Brokers And Banks

Arranging finance for your first home can be daunting. Sadly, too many first home buyers get stuck with the wrong loans and financial structures that limit the type of home they can buy and cause them to needlessly overpay in interest and fees (often by thousands of dollars).

Here are some of the things we do differently from other banks and brokers to help you own your home sooner:

Unapologetically Client First

Sadly, banks are bound to recommend their own limited range of loans even when you could save with other options. And brokers are too often tempted to recommend a lender based on a slightly higher commission. We only ever recommend the very best loan option to our clients because (a) we are unapologetically client-first and (b) clients love our expert, honest service and eagerly refer an average of 2 more clients.

Complex Lending Specialists (Including Knock Backs)

Most banks and brokers cherry pick easy loan opportunities to make a quick ‘sale’. On the contrary, we focus on people not products. That’s why we can often get you more money, better conditions, and lower rates – even if you have unorthodox circumstances or have been declined by other lenders.

Access To Senior Assessors At More Lenders

While all brokers have a network of lenders, we have special access to senior assessors at more than 50 lenders so we get priority response for faster approval, personalised assessments (no ‘bot broking’) for favourable approval, access to more money at better rates, and special consideration for unorthodox and complex lending scenarios.

Lifelong Support

While other banks and brokers treat you like a number as soon as you sign the dotted line, we continue to support you with six monthly re-prices to ensure you always have the best loan, 12 monthly reviews to optimise your progress towards your financial goals.

Strategic Advice For Superior Outcomes

Any bank or broker can find you a loan. However, we take time to fully assess your current situation and understand your future goals. Then we set a strategy to bridge the gap. And we help you implement everything including the right loans (with the best rates, fees, and conditions), and the right structure (for tax and flexibility)… and the right strategy (to accelerate your wealth).

Our Expert Advice and Hands On Help - Completely Free

It’s true – we don’t charge a single dollar (banks pay us a modest, fully transparent commission). So, whether you’re looking for start of expand your property portfolio, or you just want to confirm you have the right loan and financial structures for your current property, get in touch for a no obligation, Free Credit Assessment.

Would You Invest 15 Minutes On The Phone
To Get A Valuable Head Start
On Your Home Ownership Journey?

The quickest and easiest way to get more information and advice specific to your situation is with a Free Credit Assessment during which:

You’ll get a clear idea of how much you can borrow, what the interest rate, fees, and repayments will be, and what you can do to maximise your borrowing capacity so you can get the homes you really want
You’ll get an up-to-date understanding of what government grants you may be eligible for (and hands-on help to complete all the applications)
You’ll see how common financial structuring mistakes needlessly cost first home buyers thousands in interest, fees, and tax over the life of their loan (and simple things you can do to avoid these costly errors)
You’ll explore how Virtus can help you get finance approval for more money, so you can stop paying rent and start building your own financial and family future – sooner

Unlike banks (where you often meet with a junior employee), and other brokers (where you meet with a commission salesperson), your Free Credit Assessment at Virtus is with a lending specialist who will give you expert, independent advice specific to your situation.

Naturally, we hope that (when the time is right) you will consider engaging our services to help you find, finance, and grow your property portfolio. In the meantime, we are glad to offer our help in this way.

Request Your Free Credit Assessment