First Home Buyer Loans | Mortgage Broker Melbourne & Moonee Ponds

First home buyers, we're here for you every step of the way

Buying your first home can feel overwhelming, but it doesn’t always need to be this way and you don’t have to do it on your own. Our team of expert brokers are here to offer you expert guidance, tailored advice and full support at every step of the journey. From understanding the loan process and your loan options to securing the best deal, we’ve got your back—so you can focus on finding your dream home with confidence.

Why choose a mortgage broker:

Our expert mortgage brokers Ashley and Cameron have 40+ years lending experience and understand how overwhelming and confusing this process is, and with clarity and support, they are here to take you through the exciting journey of home ownership.

How can a broker help you?

It’s great to have a lot of options, but at the same time this can be quite confusing, plus, what about all the complex terminologies? Here’s what our brokers can do for you:

Simplify the loan process and terms: Our brokers will chat you through the step-by-step home loan application process, explaining in a clear way everything you need to know to apply and secure your first home loan, plus they will handle all the paperwork for you.
Eligibility: We talk about your budget, the deposit you’ll need to secure your dream home, borrowing capacity and monthly repayments. We factor in all the additional costs like stamp duty, legal fees and mortgage insurance (LMI) and provide other options instead of paying LMI like a guarantor or family assistance.
First home buyer grants & First Home Guarantee Scheme: Our brokers are up to date with all the latest incentives and grants available to first home buyers. We’ll check if you are eligible for any of these government incentives and help you with all the paperwork.
Find a competitive loan: With access to more than 35 banks, credit unions and financial institutions, we compare hundreds of loans and identify the right loan for you. We don’t just focus on the best interest rate available on the market but we take the time to understand your needs and narrow down the loan that matches all the features you are looking for.
Pre-approval: If you haven’t found your dream home yet, there are still other things you can do to keep the ball rolling. Understanding your borrowing capacity is key when you're looking to buy a home so you can go to auction with confidence knowing exactly what you can afford! Our brokers will prepare your application and take care of all the paperwork for you.
Free service: Our service is at no cost for you as we get paid by the lenders when your first home loan settles. So what do you have to lose?
Ongoing support: Our brokers and customer service team will be here to assist you even after your loan is secured, our support doesn’t end when you get your home loan settled. We’ll conduct annual reviews to make sure your interest rate is always competitive!

Ready to talk to someone?

Contact us to find out if you qualify for grants, apply for a pre-approval, or consider what guarantor options are available to you.

Step-by-step loan process

Everything you need to know about our home loan application process for first home buyers.

1. Meet one of our mortgage brokers:We'll have a 10-minute phone chat to understand your financial needs and lifestyle goals.
2. Gather information: We'll require you to complete a Fact Find and provide basic income documents. Based on this information, we’ll search through hundreds of home loans from 35+ lenders to find the one that's right for you. We'll also calculate your borrowing power, estimate repayments and answer any questions that you may have.
3. Government grants & First Home Guarantee Scheme: We’ll check if you are eligible for any government incentives to save you money and avoid paying stamp duty or LMI (mortgage insurance) and help you with all the paperwork.
4. Prepare the application: Once we've helped you choose the loan that's right for you, we'll prepare your loan application and guide you through the process.
5. Track your application: We’ll keep you up to date on the process of your application every step of the way,
6. Congratulations, your loan is unconditionally approved! This is a formal acknowledgement that the lender has approved your loan application.
7. Sign off time! Once your loan is approved, your loan documents will be issued for signing
8. Loan settlement: For loans related to a property purchase, your solicitor or conveyancer will coordinate settlement directly with the lender, based on the contract’s settlement date. For refinancing your loan, the lenders will handle the document exchange directly. Rest assured that our settlement team will oversee this process.
9. Loan settlement & ongoing support: Our service doesn’t end at settlement. We’ll stay in touch to ensure your loan continues to meet your needs, now and in the future. We’ll conduct annual reviews to make sure your interest rate is always competitive!

Ready to talk to someone?

Contact us to find out if you qualify for grants, organise your pre-approval, or consider what guarantor options are available to you.