First Home Buyers | Mortgage Broker Newcastle & Lake Macquarie

Local First Home Buyers Home Loan Experts Newcastle & Lake Macquarie.

Our free Home Loan service for first home buyers gives you access to our expertise and could save you time and money on your first home.

There's lots of information available online for first home buyers, but there's nothing like having your own expert home loan team to back you up. Our free Home Loan service for first home buyers gives you access to our expertise and could save you time and money on your first home.

Are you looking to buy your first home in Newcastle or Lake Macquarie? There's often no better time than now, especially with a range of government incentives designed to help first home buyers step onto the property ladder sooner.

Purchasing your first home is a significant milestone—exciting but sometimes overwhelming. That’s where our experienced team at Mortgage Choice Newcastle and Lake Macquarie steps in. We know that while this time in your life is thrilling, it can also be confusing and stressful. Our job is to make the process smooth and stress-free, guiding you every step of the way.

From dreaming about your new home to holding the keys, we simplify the process so you can enjoy the experience. With access to over 35 lenders and a comprehensive range of home loan options, we’ll find the best home loan and first home buyer incentives, grants, and schemes to suit your needs.

Our support extends through every stage of the journey—from your initial consultation and application to loan approval and settlement. Trust Mortgage Choice Newcastle and Lake Macquarie to be your partner in making homeownership a reality.

How can Mortgage Choice Newcastle help you with buying your first home?

To help make this journey a little easier for you, we offer a First Home Buying guide for absolutely free. Download your copy today.

We have dedicated staff available to first home buyers.
We know the first home buyer incentives inside & out, and can direct you to which ones you would be eligible for.
We can explore ways to stretch your deposit; such as guarantor loans and Lenders Mortgage Insurance.
We look at possible repayment rates and lenders to fit your needs from our panel of lenders.
We then complete the application on your behalf and go into bat for you.

Our Mortgage Broker Newcastle services are free!

That's right! You get full access to our advice, experience, and expertise at no cost. This is because the lender you choose compensates us with a commission once your home loan is settled. Rest assured, this has no impact on the quality or impartiality of the services and advice we provide.

Hear from one of our customers:

"A huge thank you to Peter (and the team) for helping me get my first home loan, they were very quick and efficient with my application and got me a better rate than I could find myself." - Cody

What Government help is available to you?

Getting your first home can happen quicker than you think with a range of incentives and discounts on offer for First Home Buyers such as yourself. You may qualify for: The Regional First Home Buyer Guarantee, First Home Buyer Assistance Scheme (stamp duty concessions), First Home Owner Grant, and more.

If trying to work out what incentives you qualify for is a bit confusing and daunting, don't worry. At Mortgage Choice, we will work all that out for you.

Using a Security Guarantor

A guarantor is someone who provides extra security for your home loan. They don't pay any money towards the mortgage, but they help the lender feel more secure in case you fall behind on payments.

Usually, lenders prefer a close relative like a parent, grandparent, or sibling to be your guarantor. This can help reduce the deposit you need to put down and can also help you avoid Lenders Mortgage Insurance (LMI), which means you can buy your first home faster.

Not sure if you want to use a guarantor for your home loan? Download our free e-guide for understanding gurantor loans for more information. Or alternatively, give us a call on (02) 4001 0421 to talk to one of our team.

Chat to a local First Home Buyer Mortgage Specialist today!

Even if you're just starting on your first home buying journey, contact us today for a no-obligation appointment to discuss how much you can borrow and what repayments you are able to afford. Our team in Newcastle and Lake Macquarie is committed to giving you home loan advice that puts you first.

We service the areas of Newcastle, Stockton, Teralba, Toronto, Lake Macquarie, Speers Point, Redhead, Swansea, Caves Beach and surrounds.