FIRST HOME BUYERS
Your Journey Begins Here
We help first-time buyers navigate Victorian grants, stamp duty savings, and the Home Guarantee Scheme—with expert guidance every step of the way.
HOW WE HELP
Navigate Grants, Save on Stamp Duty
What Makes Us Different
Your VIC First-Home Perks, Mapped
We translate Victoria’s first-home benefits into real dollars for your situation, suburb and price point — then help you claim them. From stamp duty relief to federal guarantees and grants, we line up the incentives, structure your loan, and show your 2–5 year outlook in plain English.
Pay $0 (or Less) in Stamp Duty
Buying up to $600k? You’ll pay land transfer (stamp) duty. From $600,001 to $750k you may get a sliding concession — and we’ll calculate it for you. We also check off-the-plan and principal-place-of-residence rules so you don’t miss a cent.
$10k First Home Owner Grant (New Homes)
Building or buying a home (never lived in) up to $750k? You could receive a $10,000 FHOG from the VIC SRO — on top of any duty savings. We’ll confirm eligibility and lodge with your lender/agent so it lands at settlement.
Buy Sooner with 5% Deposit — No LMI
With the Home Guarantee Scheme , eligible buyers can purchase with as little as a 5% deposit and avoid LMI. From , places are uncapped and price caps are higher (e.g., Melbourne up to $950k; regional VIC caps also lifted). We’ll check eligibility and secure a spot early in your journey.
Off-the-Plan & New Builds: Extra Savings
Buying off-the-plan? Duty can be calculated on land value before construction, often cutting thousands. We’ll model the ‘with vs without’ concession so you can compare established vs new on a like-for-like basis.
Straight-Through First-Home Process
We set your budget, line up pre-approval, and assemble your documents once — digital uploads, e-signing and direct follow-ups with lenders. We’ll also flag scheme changes (e.g., the Victorian Homebuyer Fund’s status) and make sure you don’t rely on incentives that have closed or changed.
YOUR FIRST HOME JOURNEY
How It Works
Discovery & Budget Setting
We'll understand your situation, calculate your borrowing power, and map out which Victorian grants and schemes you're eligible for. No pressure—just clarity.
Pre-Approval & Grant Applications
We'll secure your pre-approval and help lodge your FHOG and Home Guarantee Scheme applications—so you can shop with confidence knowing your finance is sorted.
Settlement & Beyond
Once you've found your home, we guide you through to settlement and coordinate with solicitors and lenders. Then we keep monitoring your rate long-term—your first loan shouldn't be your last conversation with us.
What Our Clients Say
“Loan Lodge guided us through every step of buying our first home. Clear advice and a stress-free process.” — Alyssa & Tom, Loan Lodge Customers
READY TO GET STARTED?
Let's Make Homeownership Possible
Contact Us Today
Learn more about how we can help you achieve your financial goals.