Jigar Modi
1Buying in the next 6 months
Tell me where you're at
Four quick questions, then pick a time for a 20-minute chat, by phone or online. No charge.
Start hereFirst home buyer coach for Indian professionals in Australia
Buy your first home without the costly mistakes.
Know what you can comfortably spend, what to watch for and when to walk away, in a country whose rules you didn't grow up with.
Not buying yet? Get my guide to the 7 costly mistakes.
How I can help
Pick the step that fits where you're at.
26 months to 2 years away
Get my weekly first home lessons
Before You Sign: one short lesson a week, plus my guide to the 7 costly mistakes straight away. No charge.
Get the lessons3Just starting to think about it
Come to the online workshop
Wed 18 Nov, 7pm AEDT. About an hour, cameras on, bring your questions. No charge.
Save your spotIn their words
What clients said about my work
The mortgage broking business I co-founded has 125 Google reviews, with an average of 5.0 stars. These are excerpts about my work and my team's. Names are shortened, and the business name is replaced with [the business].
★★★★★
Few month ago we had lost the hope of getting home loan to buy our first home then we met Jigar and things changed.
★★★★★
Jigar has helped us to be on the right path for our property search. With his prompt communication and expertise, we have been able to turn buying a property into a positive experience…
★★★★★
He usually provides us with tailored advices based on our preference, financial situation, future planning, (even) superstitious background etc.
★★★★★
Jigar was fantastic. He always went above and beyond to ensure I had all the relevant information to make the best decision for my loan.
★★★★★
Trust is exactly what I found and established with Jigar and the team at [the business].
★★★★★
I trust Jigar's advice and wouldn't hesitate to recommend them.
★★★★★
…every time we reach out to him for any suggestions or clarifications in regards to any financial query, he is more than willing to address those and try and answer them in the most simplistic way, yet very detailed.
★★★★★
Jigar is highly professional and was there with me each step of the way.
★★★★★
Jigar took great care in understanding my finances and objectives and suggested some great ideas and helped with refinancing of my loans.
★★★★★
He was diligent, honest and great to work with and I am happy to recommend him.
★★★★★
…he was clear and precise with his advice and was efficient with the paperwork.
★★★★★
For our first home loan, Jigar and the team were a lifesaver, providing incredible guidance and expertise to help achieve our goal
★★★★★
I can't say enough good things about Jigar! He made the daunting process of buying a home so much smoother and stress-free.
★★★★★
…most importantly ethical business I have ever deal since I moved to Australia, I found this people highly customer service oriented than pocket,Jigar is one of the passionate and genuine guy in loan sector you can deal with
★★★★★
From the first time we met Jigar over the video conference session, he explained to us all the information and anything that we needed to know about mortgages in detail with his wealth of knowledge.
★★★★★
He is very knowledgeable, approachable, professional and extremely hard working. He would always be calm and provide good information for whatever questions we asked him.
★★★★★
We are from NSW and being interstate [the business] made the process of securing the mortgage so smooth and easy. Extremely satisfied and happy with the service provided by Jigar and team.
★★★★★
Prior to discovering Jigar and his team, we extensively explored numerous options. However, our experience took an exceptional turn upon meeting Jigar and his team.
★★★★★
…specifically Jigar professional approach and personal advice and his honest suggestions are very helpful to us.
★★★★★
Jigar advised me during this journey and helped me to setup the loan in a away that will allign with my overall goal.
★★★★★
Jigar was really helpful and we would definitely be coming back in future. Thanks for guiding us.
Why First Home Ready
Have someone in your corner who isn't selling you the house.
The agent works for the seller. The lender wants the loan. Your family wants the best for you, from a different country and a different time. Yet first home buyers are expected to make the biggest financial decision of their lives alone, often in a country whose rules they didn't grow up with.
Over 15 years in lending, I've watched good people make costly mistakes. They weren't careless. Nobody had shown them how the property, the loan and the buffer feed into each other. The ones who did well talk about it. The ones who didn't go quiet.
First Home Ready gives you nine weeks to get clear on what you can comfortably spend, what to look for and how to bid, with me as your sounding board. Then 12 months of support, from your first open home to settlement day. The decisions stay yours. The aim is to make a costly mistake far less likely.
Founding cohort now open. Founding members start one on one with me, and move into group sessions when they begin in early 2027.
Start hereThe bigger picture
Borrowing power is only part of the picture.
A deposit and a pre-approval can help you move forward. But they don't tell you whether the home fits your life. My approach starts with the questions a lender won't ask.
Your money
Your buying range, the extra costs and the buffer you keep for life after settlement.
Your future
The home that fits your plans for the next ten years, and the compromises you can live with.
Your decisions
The process, the checks and the advice you may need before you bid, offer or sign.
$850in my pocket
About Jigar
I've stood where you're standing.
I arrived in Australia in 2000 as a student with $850. I didn't know what a TFN was. Since then I've worked at two major banks and spent over ten years as a broker. That's over 15 years in lending, and more than $450M in settled lending.
Understanding how to get a loan is different from understanding whether a home fits your life.
Read my storyRead first
Clear answers, before you commit.
Guide
First home buyer guide
Ten steps from "how much should I spend?" to settlement day, in plain English.
Read the guide → QuestionsFirst home questions
Straight answers to the questions buyers ask me most.
See the questions → GlossaryTerms explained
LMI, LVR, stamp duty, grants, pre-approval and more, explained simply.
See the terms →Questions people often have
What is Before You Sign?
My weekly email of first home lessons: a mistake I've watched buyers make, a question to ask before you sign, money terms in plain English and reader questions answered. No charge, unsubscribe any time.
Is there a charge for Before You Sign or the workshop?
No. Both have no charge.
Do you help buyers across Australia?
Yes. The weekly email, workshop and chats all run online, so you can join from wherever you are in Australia.
What is First Home Ready?
First Home Ready is my small-group programme for first home buyers. Nine weeks to get clear on what you can comfortably spend, what to look for and how to bid. Then 12 months with me in your corner, from your first open home to settlement day. Founding members start one on one with me now, and group sessions begin in early 2027. Book a chat and we'll see if it's a fit.
Your next step
Catch the costly mistakes before you sign.
Tell me when you're planning to buy, and I'll point you to the right next step. Not buying yet? Start with my guide to the 7 costly mistakes.