When you are a first time home buyer looking for home loans or land loans in Ballina you probably don’t even know where to begin. It’s worth your time and money to talk to ZEP Finance a mortgage broker firm in Ballina/Lismore. By getting us to act as a go-between on your behalf, you’ll be able to get all your first time home loan questions answered. We will help you apply for a First Home Owners Grant if you qualify and help you negotiate the most affordable monthly repayments. If your parents have offered to act as guarantors we can also talk you through this process.