A young Aussie has opened up on receiving shocking advice from a mortgage broker that stopped her homeowning dream in its tracks.

Bianca Heaven , 27, has been saving for her first home for years while living at home with her parents and two years ago she decided to start attending inspections around the lower north shore in Sydney.

She had saved up an impressive 10 per cent deposit and felt she was ready to get serious about owning her first property.

Ms Heaven said she believed saving for a deposit was the main financial battle she'd face and assumed she would be approved for a home loan within her mapped out budget.

However, she told news.com.au, she "did the process backwards" and was "looking in the suburbs completely out of my reach".

After attending several inspections, Ms Heav

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