First Home Buyer Loan

Dreaming of your first home? We will help you land the keys faster with low-deposit home loans. Get expert guidance and zero fluff from a team of brokers to get a first home buyer loan.

First Home Buyer Mortgage

Committed Financial Group has the best team of mortgage brokers, assisting you in obtaining a low-interest first home buyer mortgage. Around 86% of Australians aspire to own a home, according to various surveys. However, more than 60% of first-home buyers say high property prices are the biggest barrier, forcing many to delay buying altogether. To avoid that, our expert first home buyer broker in Melbourne suggests 5% Deposit Home Loan options to our clients. We began the process with a consultation. Based on the eligibility, we ensure low-doc and complex applications to simplify the process. This helps you access government grants without delays. Post-purchase, we support you with refinancing, repayments, and strategic financial planning. Do not miss out, get a low-interest first home buyer loan. Call us today.

First Home Buyer Broker

Many first home buyers struggle with saving a large deposit, understanding loan terms, or choosing the right lender. To assist you through the lengthy process, our certified first home buyer broker compares many lenders for you, evaluating rates and policies. We also guide you through government schemes like the First Home Guarantee, Stamp Duty Concessions, and First Home Owner Grant (FHOG). From assessing your eligibility to managing paperwork and negotiating better deals, we simplify the entire process. Even if you have credit issues or unusual income, our mortgage brokers know how to find lenders willing to work with you. We provide personalised first home buyer assistance to help you get loan approval faster. Book your consultation today and secure the right loan to make your dream home a reality.

Documents Required for Low-Deposit Home Loan

Proof of Identity

At least one primary (passport/licence) and one secondary (Medicare/bank card) ID required.

Proof of Income

Two recent payslips, latest PAYG summary, or tax returns for self-employed applicants.

Bank Statements

Provide a minimum of three months of savings and transaction account statements to verify funds.

Employment Details

Current employment letter stating position, income, and employment status (full-time/part-time/casual).

Living Expenses & Liabilities

Complete a breakdown of monthly expenses and current debts like credit cards or loans.

Aspects of First Home Buyer Grants

Need help with your First Home Buyer Grant? Contact Committed Financial Group for first home buyer advice today.

One-time Payment: The grant is a lump sum payment provided once to eligible first home buyers, with no requirement to repay it.
Eligibility Criteria: Applicants must meet specific conditions, such as being Australian citizens or permanent residents and not having previously owned a property.
Property Value Limits: The grant typically applies only to new or substantially renovated homes and may have maximum property value caps depending on the state or territory.
Purpose: It aims to assist first home buyers with the initial costs of purchasing or building their first home, making home ownership more affordable.

First Home Buyer Advice

Get expert first home buyer support from our certified brokers at Committed Financial Group. Without guidance, many first-time buyers risk making costly mistakes, like choosing the wrong loan, overlooking hidden fees, or missing out on government grants. Our team of brokers helps you make smart choices from understanding complex loan terms to comparing lenders and preparing your application. We walk you through every detail of the home-buying process. Book a 1:1 consultation today for trusted first home buyer advice and buy your home with clarity and peace of mind.

First Home Buyer Scheme

If you are looking to buy your first home, take guidance from Committed Financial Group. Access the most suitable first home buyer scheme options, as per your situation. Confirming the eligibility of buyers, you may benefit from the $10,000 First Home Owner Grant for new homes, stamp duty exemptions on properties under $600,000, or reduced duty up to $750,000. You could also qualify for the First Home Guarantee, allowing you to buy with just a 5% deposit without paying Lenders Mortgage Insurance. Among the schemes, the Victorian Homebuyer Fund also offers shared equity support of up to 25%. We simplify the process so you can buy with confidence. Reach out to our team to find the most suitable first home buyer schemes.

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Frequently Asked Questions

Have something on your mind? Our FAQs cover everything from home upgrade loans to SMSF refinancing, guiding you every step of the way.

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How do I qualify for a first home buyer loan?

To qualify for a first home buyer loan in Melbourne, speak with an experienced first home buyer broker for professional guidance.

Can I really get a 5% deposit home loan without LMI?

Yes, 5% deposit home loan options exist under the first home buyer scheme with no LMI costs.

What’s considered a low-deposit home loan?

A low deposit home loans usually requires 5–10% down, plus first home buyer support from an expert.

I have a stable income but bad credit. Can I still get a home loan?

Yes, options exist. We will assess your situation and connect you with lenders who accept imperfect credit.

What happens if I get pre-approved but can’t find a property?

For home loan pre-approval typically lasts 3 to 6 months. If it expires, we help you renew it easily.

Why Committed Financial Group?

Industry Experience: With over 20 years in the lending space, we bring deep industry insight and strong lender connections.
Pre-Approval Support: We help you secure a lender’s initial nod, an indication of how much you can borrow based on your finances and credit profile.
Post-Approval Guidance: Once approved, we assist with final paperwork while your lender prepares funds for settlement and disbursement.
Personalised Solutions: We take the time to understand your goals and customise loan strategies that align with your financial needs.

Get in Touch

Have questions about home loan or SMSF refinancing? Fill the form below today for professional to personalised finance solutions that fit.