Our passion is helping people buy their home, creating security and a place for their family. Whether you’re buying your first home, upgrading to your dream home, or restarting after a life event, we’re here for you! Buying your home can feel impossible, so we close that gap with Your Home Strategy. A personal finance strategy, solution and guidance, to secure your next home, step by step. Our journey was built for Home Buyers. Whether you’re beginning to plan, you’re in the market or have gone to contract, we’d love to chat.
Our Solution: The Homeowners Initiative™
Your next home
in 4 simple steps
Personal Optimisation
We complete a thorough investigation of your financial position, to provide a personalised solution for you.
We identify hurdles we need to navigate, along with strategies and structure to maximise your purchasing power.
Empowered Action
This is Your Home Strategy: Everything you need to know to make an informed decision.
We will advise:
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How much you qualify to purchase
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How much you can borrow
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Your future repayments to set an affordable budget
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Your personal strategy and how we will get you approved
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Your next steps to buying your home
Fullfilment
This is where we get you approved, then settled.
We work fast: Sellers won’t wait for you, so you won’t wait for us.
Delivery
People first, we want to make buying your home easy. Our team are personally here to support you - answering your questions, assisting you to collect and complete documents.
We will update you daily until you’re approved, because buying becomes stressful when you’re waiting for the bank to approve your loan.
We will liaise with all parties involved, bringing your purchase together seamlessly, so you can focus on what matters: choosing your home and preparing to move.
We strive to protect your peace of mind, because buying your home should be exciting.
Don't take our word for it
Hear from our clients
"My experience with James has been ongoing for years. He and his team have been helpful and supportive, Blair was a miracle worker and I would not hesitate to recommend their services. They have helped me achieve my dream and I will be forever grateful."
Perth
"The HBC crew are property financing wizards. James and the team have done a few property acquisitions for us now, they were extremely hassle-free and their knowledge in structuring the loans for future investment purposes has set us up for the future. Seriously grateful for their work and highly recommended."
Tamborine Mountain
"From start to finish, their communication was flawless – clear, prompt, and always reassuring. They took the time to truly understand our situation and found us an amazing lending product that exceeded our expectations. What really stood out was how they kept us in the loop every step of the way, making the whole process smooth and stress-free."
Gold Coast
What makes the home buyers club different?
Daily Communication
We keep you updated before you even need to ask, so you’re never left wondering what’s happening.
The Winners Buyers
Proven strategies to strengthen your offer without simply paying more.
James Lockhart
Owner & Director
The Home Buyers Club
Buying your first or next home is one of the biggest financial decisions you’ll ever make — and it can feel overwhelming. That’s exactly why The Home Buyers Club exists. We don’t just give you a loan. We give you a personalised plan, daily support, insider property alerts, and a network of trusted professionals who are as invested in your success as you are. We move fast so you don’t miss out. We keep you updated so you’re never in the dark. And we treat your home loan with the same care we’d treat our own.
Here’s our promise: If we can’t get you approved, we’ll give you your money back.
That’s how confident we are in our process. Whether you’ve been told “no” before, you’re unsure where to start, or you think owning a home is out of reach — we’re here to prove otherwise. If you’re ready to stop renting, start building wealth, and finally own a home you’re proud of, let’s take the first step together. Your dream home is closer than you think.
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James Lockhart
Director & Mortgage Broker
The Home Buyers Club
James loves problem solving and excels at finding solutions to get borrowers approved. For the past 3 years, he’s been the ‘go to’ broker for people turned away by other brokers as ‘too hard’ and ‘not ready’.
The Home Buyers Club was founded to bring unique solutions to people at this critical point in their lives.
We’ve bought our homes, we know the excitement and stress - it really matters. We take this approach with every customer we work with, because we know how important it is for you.
In his personal life, James enjoys spending time with his wife, Millie, and kids, Noa, Hazel & Margaux. You can catch him surfing his local break, Burleigh, he enjoys drumming, tasting wine and hanging out with friends and family.
