Jigar Modi
1Every week
Before You Sign
My weekly email for first home buyers. Launching early 2027.
Join the waitlistIndian professionals in Australia: buy your first home without making costly financial mistakes.
The biggest financial decision of your life, in a country whose rules you didn't grow up with.
Prefer to talk first? Book a 15-minute chat
How I can help
Start small. Go further when you're ready.
2One hour, online
First Home Workshop
Wed 18 Nov, 7pm AEDT. Online, no charge.
Save your spot3Close to buying
Work with me
First Home Ready, my group programme. My mortgage team when you're ready to apply.
Book a chatIn their words
4.9 stars from 125+ Google reviews
What clients say about Loancart, the mortgage broking business I co-founded. Excerpts from Google reviews, names shortened for privacy. Read them all on Google
★★★★★
I can't say enough good things about Jigar! He made the daunting process of buying a home…
★★★★★
We were extremely happy with our experience with the whole team. Being first home buyers…
★★★★★
Jigar took great care in understanding my finances and objectives…
★★★★★
Jigar and Preeti did an excellent job in getting our home loan sorted.
★★★★★
I have found Jigar and Jess to be very responsive and excellent communicators.
★★★★★
Best, highly professional and most importantly ethical business…
★★★★★
Very clear with recommendations and options, understanding of our financial needs…
★★★★★
Jigar and Steven from Loancart were absolutely amazing! They made the whole loan process…
★★★★★
We are very pleased with these guys. Very professional, reliable and trustworthy.
★★★★★
I was thoroughly impressed with their service. Specifically Steven, who looked after our case, was absolutely fantastic - the best person I've dealt with in this industry. He was incredibly responsive, always on top of things, and made the entire process seamless.
★★★★★
Jigar, Preeti and Jess have helped us obtain a loan for our property.
★★★★★
Loancart has been amazing to deal with from my first conversation until the settlement…
★★★★★
Excellent service and communication. Jigar, Preeti and Jess have gone above and beyond…
★★★★★
Seamless process with excellent communication, always kept in loop.
★★★★★
Wonderful service! The whole team was incredibly helpful and supportive.
★★★★★
I'm genuinely thankful for your consistent support and kindness from day one…
★★★★★
Can highly recommend the team at Loancart.
★★★★★
Excellent service, always there to help with anything.
Why First Home Ready
The best players never decide alone.
The best players in the world have a team around them. People who support their decisions and act as a sounding board. Yet first home buyers are expected to wing the biggest financial decision of their lives, 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 is a structured group programme that takes you through the blind spots step by step, with me as your sounding board. 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.
Book a chatThe 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 short weekly email for first home buyers: money terms in plain English, mistakes to avoid and reader questions answered. It launches in early 2027, and the waitlist is open now.
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?
My group programme for first home buyers. It's a structured course through the blind spots that cost buyers money, with me as your sounding board. 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.
Can you help with my home loan?
Yes. When you're ready to apply, my mortgage team at Loancart, the broking business I co-founded, can help through to settlement. Book a chat to start.
Your next step
Catch the costly mistakes before you sign.
Join the waitlist for Before You Sign, my weekly email launching early 2027. Ready to work with me? Book a chat.