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Jonathan Lee

First Home Buyer? We've got your back


Ready to buy your first home?

We’re here for you every step of the way with the latest info and tips.

Get in touch


Tailored support all the way

Our job as your local mortgage broker team is to guide you through the process, beginning with a one-one-one initial meeting so we can understand your current situation and get you to your future financial and lifestyle goals with a solid long-term financial strategy.  

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First home buyer's guide

Purchasing your first property can be an overwhelming process and there may be steps you are unsure or unaware aware of. This guide will walk you through all of the steps involved in the buying process.

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What we'll do for you

    Deposit ready

    Know your numbers! We assess your financial situation and get an understanding of your future plans before helping you to determine the ideal deposit amount and estimating closing costs, including stamp duty and legal fees, you'll need to save. 

    Pre-approval success

    A preapproval is a lender's conditional offer to lend you a specified amount, giving you a clear budget when house hunting. We can help you through the pre-approval application process, ensuring all documentation is correct, and matching you with suitable lenders to streamline the process and increase your chances of success.

    First Home Buyers Grant Victoria

    Various incentives and grants are available to first home buyers, including the First Home Owners Grant (FHOG) in Victoria. This one-off payment of $10,000 aids in buying or building a new home. Let us help you determine your eligibility and help with the paperwork.

    Get it right the first time

    With access to over 35 lenders and a knowledgeable team well-versed in banking jargon and paperwork, we'll help you identify the right features and lending structure to support your financial dreams before submitting your application accurately to avoid lengthy delays.


Ready to talk to someone?

With over 200+ 5-star Google reviews from our lovely clients, check out what our clients say about our award-winning service.  Our experienced and dedicated team are here to guide you through the process so contact us to get started today! 

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First home buyer FAQs

Your borrowing capacity, or borrowing power, depends on your unique financial circumstances. Factors such as your income, assets, liabilities, and credit history all play a role in determining how much you can borrow. Additionally, borrowing amounts can vary between lenders, so it's essential to explore different options.

Use our home loan calculator to get an initial idea of how much you can borrow. If you want a tailored assessment, book an appointment and get the ball rolling!

Mortgage Choice brokers can help you find which of the hundreds of home loans offered by our panel of lenders will best suit your needs. Consider the questions in choosing the Right Home Loan to see which loan features are likely to be most important to you.

The deposit required depends largely on the type of home loan and, of course, the lender you select. As a general rule, if you are an owner-occupier you’ll require 5-10% of the purchase price as a deposit. Some eligible first home buyers can get a deposit as low as 5% under the Government's First Home Loan Deposit Scheme.

If you are an investor, you’ll ideally require 10% of the purchase price, although it's possible to purchase with less.

The First Home Owner Grant scheme is a one-off payment which varies by state or territory (from $10,000 up to $30,000) to assist eligible first home owners with purchase or construction costs. 

Find out more about the FHOG in your state: 

Stamp duty is a state government tax based on a property's selling price. Each state or territory has different rules and calculations; some states offer discounts or exemptions to first home buyers. Stamp duty can be a significant additional cost when buying property.

Contact us

Contact your existing broker?

contact-us-broker-1Smoother experience as they have all your information.

contact-us-broker-2Better understanding of your financials to provide tailored advice.

contact-us-broker-3Faster response compared to being matched with a new broker.

Contact existing broker