How VOXFIN Helped Cassie from Adelaide
Buy Her First Home with Just a 5% Deposit - No LMI

Despite decent income and responsible financial habits, Cassie felt stuck in a loop. Common misconceptions were holding her back from taking action.

• She believed she needed a full 20% deposit before she could buy.
• She assumed LMI would add tens of thousands to her loan costs.
• The home-buying process felt complicated and overwhelming to navigate alone.
• She had no idea her profession came with specific lending advantages.
• She had multiple jobs with inconsistent income.

Why Banks Didn't Give Her a Clear Direction

When Cassie approached lenders directly, the experience was frustrating and ultimately unhelpful.

• She was told to come back because her pretaxed salary package income was not considered tax-free.
• No one explained the government schemes she was already eligible for.
• Her healthcare profession's lending advantages were completely overlooked.
• No tailored strategy was ever presented - just standard filtering criteria were applied.
• Bank did not consider all of her jobs salary, as they were inconsistent.

The system was not built to guide her - it was designed to filter her out. That's exactly where VOXFIN makes the difference.

VOXFIN looked well beyond standard lending criteria. Our specialists took the time to understand Cassie's full situation and built a clear, tailored pathway to her homeownership -

• Confirming her full eligibility for the First Home Guarantee Scheme (FHGS)
• Matching her with a lender approving 5% deposit with zero LMI
• Expert Mortgage Broker worked out her multiple jobs' inconsistent salaries and managed to utilise them all to service the loan.
• Leveraging healthcare professional lending benefits for her to maximise the borrowing capacity
• Structuring her application for the strongest possible approval outcome
• Guiding her every step of the way - from first enquiry right through to settlement

VOXFIN specialises in helping first home buyers and healthcare professionals navigate complex lending pathways with complete clarity and confidence. Nurses, doctors, and allied health professionals may qualify for more flexible criteria, reduced deposits, or LMI waivers - and we know exactly how to access those benefits on your behalf.

Instead of waiting years to build a 20% deposit, Cassie entered the property market much sooner than she could have ever imagined. She avoided unnecessary costs and felt genuinely supported every step of the way.

• ✓She bought her first home years earlier than she thought was possible.
• ✓She saved tens of thousands by avoiding LMI entirely.
• ✓She gained complete clarity and confidence throughout the entire process.
• ✓She finally felt the system was working for her, not against her.