Dane Heinrich

First home buyers in Gippsland | Sale, Traralgon, Warragul & surrounds

Are you starting to weigh up your options on your first home? It's the next natural step, but it's also a big financial commitment! Mortgage Choice in Sale specialise in helping you find your way to a great first home loan.

How can I buy my first home?

The first step is to do your numbers. What can I afford to repay? What will the repayments be? What deposit do I need? What's my budget? Without understanding the ins and outs of home loans, these questions can be hard to answer on your own.

Come in for a chat with Mortgage Choice in Sale! We'll sit down with you and do some quick numbers so you can understand more about what you need to aim for with your deposit, and what your budget is to spend on your first home.

Wherever you live in Gippsland from Sale, Traralgon, Warragul, Leongatha, Wonthaggi, Inverloch, Phillip Island, Trafalgar, Yarragon and surrounds, we would be happy to come and see you. Or you can visit our office at 285 Raymond Street, Sale Victoria.

What is pre-approval?

Saving a deposit for your first home loan

This can be a tall order. In the past, we have said a 20% deposit is vital to ensure you can pay all the extra bills that come with your home purchase: stamp duty, conveyancer, etc. But now, the government has come up with some fantastic incentives to lighten the load for first home buyers. And there's even more available to you in a regional area!

We'll figure out what you could be eligible for and make the applications on your behalf. Incentives like:

First Home Owners grant (more available for regional properties)
First Home Loan Deposit Scheme (could mean you only need a 5% deposit, and you could avoid Lenders Mortgage Insurance)
First Home Super Saver Scheme
Stamp Duty discounts for first home buyers
and more!

Don't miss out on these incentives! Make sure you ask how to apply, and make every dollar count. We can help you figure out what you're eligible for and help you apply.

Some resources to help guide you

Let's chat about your next step

We want to make buying your first home as easy as possible for you. There's lots to consider, but don't worry, we will be with you every step of the way.

Our Gippsland mortgage broker team are mobile and come to you when convenient throughout the Sale, Warragul, Traralgon & surrounding areas. Alternatively, we have a conveniently located shopfront at 285 Raymond St in Sale (near the clock tower). During COVID-19 Stage 3 restrictions, we can help you via video or phone.

Book an appointment with our Gippsland team on (03) 5144 3265 or call Dane directly on 0438 626 885.

^{We service the Gippsland areas of Sale, Traralgon, Warragul, Inverloch, Wonthaggi, Leongatha, Morwell, Churchill, Moe, Heyfield, Maffra, Rosedale, Bairnsdale, Paynesville, Lakes Entrance and surrounds.}