First Home Compass — 4次1对1，从零到Settlement
Most first home buyers overpay, miss grants, or freeze up at auction — not because they're unprepared, but because no one stood in their corner. First Home Compass changes that.
错过政府补贴、拍卖场被情绪带走、Settlement前一头雾水——不是你不努力，是没有人真正站在你那边。First Home Compass 就是那个人。
📥 免费下载《澳洲首次置业完全指南》/ Download the Free FHB Guide
Steven 的标准贷款经纪服务仍然免费。First Home Compass 是给需要更完整决策支持的首次置业者，一个独立的付费陪跑项目。
Free Mortgage Broking
如果你主要需要 borrowing estimate、lender comparison、pre-approval 或正式贷款申请，标准 broking 服务通常就够了。
First Home Compass
如果你不只是想知道能借多少，而是想把预算、补贴、房型、贷款结构和 settlement 节点都想清楚，Compass 会更适合。
完全不知道流程，感觉随时会走错一步
No idea where to start — one wrong move and it could all fall apart
不确定自己到底能借多少
Unsure how much you can actually borrow
各家银行说法不一样，完全搞不清楚
Every lender says something different — impossible to compare
不知道有哪些政府补贴，怕漏掉
Worried you might miss out on grants you're entitled to
拍卖当天超级紧张，不知道该怎么出价
Auctions are terrifying — you don't know the rules
中介催你，朋友意见又互相矛盾
The agent is pushing you. Your friends are all giving different advice.
Settlement 那天到底要做什么，完全懵
What even happens on settlement day?
英文合同看不懂，又不想全靠翻译
The contracts are in English and the details really matter
First Home Compass 就是为这些感受而设计的。
每一次咨询都有明确目标：先看清自己的财务边界，再决定怎么买、怎么贷、怎么走到 settlement。
第一次：预算、现金和政府补贴地图
第二次：区域、房型和风险判断
第三次：贷款结构和预批准备
第四次：签约到交割的关键节点
全程支持
First Home Buyer Roadmap PDF
置业路线图文件
Referral options where helpful
可按情况介绍律师 / Conveyancer / 验房资源
WeChat & SMS Support
全程微信短信支持
Government Grants Checklist
政府优惠完整清单
Support at every key decision point
关键决策节点全程支持
Valid until Settlement completes
直至 Settlement 完成
First Home Compass 的价值在于决策支持：在你签字、出价、申请贷款之前，把关键问题想清楚。
| 服务类型 | 主要解决什么 | 费用 | 适合谁 |
|---|---|---|---|
| First Home Compass | 预算、补贴、房型选择、贷款策略、settlement 节点 | $899 founding price | 想要结构化陪跑的首次置业者 |
| Free mortgage broking | 贷款比较、预批、正式申请、银行沟通 | Free to client | 已经准备好推进贷款的人 |
| Buyer's agent | 找房、评估房源、谈判或拍卖代表 | Often several thousand dollars+ | 想外包找房和谈判的人 |
| Solicitor / conveyancer | 合同审查、产权和 settlement 法律流程 | Professional fee | 所有签约买房者都需要独立法律支持 |
First Home Compass does not replace legal, conveyancing, tax, accounting, buyer's agent or building inspection advice. Where needed, Steven can help you understand when to involve the right professional.
Our standard mortgage broking service remains free. First Home Compass is an optional premium program.
贷款经纪服务本身免费。First Home Compass 为独立收费增值服务。
Is First Home Compass right for me?
这个服务适合我吗？
If you're buying your first home in Australia and want structured guidance at every step — yes. It's especially valuable if you're not sure where to start, worried about missing grants, or simply want someone experienced on your side.
如果你是第一次在澳洲买房，想要有人全程带着你、帮你不漏掉任何重要节点，这个服务就是为你设计的。
Is this separate from your free broker service?
和免费经纪服务有什么区别？
Yes. Our mortgage broking service (comparing lenders, arranging your loan) is always free — we're paid by the lender. First Home Compass is a separate optional program that gives you structured sessions, checklists, and direct support across the entire buying process.
是的，贷款经纪服务（比较银行、申请贷款）永远免费。First Home Compass 是额外的全程辅导服务，帮你在每一个决策节点都有清晰方向。
What is not included?
这个服务不包含什么？
It does not include legal advice, conveyancing, tax advice, accounting advice, buyer's agent services, building inspection services, or a guarantee that a lender or government scheme will approve your application.
不包含法律意见、过户服务、税务/会计建议、买家中介服务、验房服务，也不保证银行或政府项目一定批准。
When do I pay?
什么时候付款？
Payment is made upfront to secure your spot. We accept bank transfer and card payment.
报名时一次性支付，可转账或刷卡。
What if my purchase falls through?
如果买房失败了怎么办？
We'll discuss this on your initial call. If your purchase doesn't proceed through no fault of your own, reach out and we'll work something out.
请在初次通话时告知，我们会根据实际情况协商处理。
I'm in a different state — can I still join?
我不在墨尔本，也可以参加吗？
Absolutely. All sessions are conducted online via video call. We serve first home buyers across Australia.
完全可以。所有咨询均通过视频进行，服务全澳。
准备好了，就迈出第一步
Book a free 30-minute discovery call. No obligation — just a conversation about where you are and how we can help.
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