First Home Buyer - LoanBrix

Home » First Home Buyer

First Home Buyers: Take your first steps toward Homeownership with LoanBrix

Dreaming of your first home? Look No Further

Buying your first home is an exciting milestone, though it comes with certain challenges and complexities. At LoanBrix, we specialise in helping first home buyers navigate grants, schemes, and loan options so you can step into your new home with confidence.

Homeownership isn’t just about a loan; it’s about securing your future. At LoanBrix, we don’t just process applications. We partner with you to make the entire journey clearer, simpler and less stressful.

Let’s get started.

We See Your Unique Situation

Whether you’re saving solo, planning with a partner, or navigating a single-income household, your path to homeownership is personal. Our advisors take the time to understand your story, your goals, and even your worries.

Overwhelmed by where to start? We’ll work with you to build a personalised roadmap.
Worried about missing out on grants? We’ll find every dollar you’re entitled to.
Confused by bank jargon? We speak plain English so that you better understand your options and responsibilities.

Here’s How We Walk With You, Step-by-Step

Step 1: Your Dream & Budget Chat (Free, No Obligation)

Let’s talk about what you want in a home and what your goals are. We’ll look at your savings, income, and spending to shape a budget that works for your lifestyle. This is a judgement-free zone.

Step 2: Unlock Your Buying Power with Pre-Approval

Get your Home Buyers Passport (our pre-approval). Pre-approval gives you the advantage of placing competitive offers, helps you search with confidence, and locks in your rate for up to 90 days in most cases.

Step 3: Hunt for Your Home & We’ll Crunch the Numbers

Found a place? Send us the contract. We’ll check it against the lender’s criteria and confirm your loan. We handle the stressful lender negotiations so you can focus on planning your move.

Step 4: All Systems Go to Settlement

Our team and your solicitor/conveyancer work together on the final details. We’re here to explain everything until the day you get the keys, and to ensure a smooth transition.

We’ll Help You Find Money You Didn’t Know You Had

The government has put schemes in place to assist people to buy their first home. Let us figure out exactly what you qualify for.

First Home Guarantee: Buy with a 5% deposit and avoid Lenders Mortgage Insurance (LMI). Yes, it’s possible.
First Home Owner Grant (FHOG): A cash boost towards your purchase. Eligibility varies between states (up to $10k-$20k depending on your state).
Stamp Duty Savings: Potentially save tens of thousands. In some cases, you might pay $0.
Family Home Guarantee: For single parents – you could buy with a deposit as low as 2% without having to pay LMI.

👉 Unsure what you’re eligible for? Take a look at our information page on Home Guarantee and Government Schemes

Why First Home Buyers Choose LoanBrix?

Your Personal Guide: A dedicated advisor from start to finish.
Clarity, Not Confusion: We explain your options until you feel 100% confident.
Power of Choice: We compare 50+ lenders to find the best rate and the right fit for your unique circumstances.
Here for the Long Run: We’ll check in after you move in to make sure your loan still fits your life.

Book a Time

Find out how much you can borrow

URL

This field is for validation purposes and should be left unchanged.

Name(Required)

First Last

Email(Required)

Enter Email Confirm Email

Phone

How can we help you?

54 Lending Partners

We have relationships with all the major financial institutions and are constantly reviewing new and innovative loans to help provide you with the best possible solution.

Five Star Rated

We have over one hundred 5 Star ratings from clients on our Google business profile. We pride ourselves on customer service, and aim always to provide the best possible experience.

MFAA Member Since 2009

To become a member, individuals must meet specific requirements, including professional qualifications, a good character, and holding an Australian Credit Licence (ACL) or being a Credit Representative.

Can I use my home equity to buy an investment property?

Yes! You can use your home equity in place of a cash deposit to buy an investment property. If you have questions on how you can do this, don’t hesitate to speak with one of our brokers.

How much can I borrow for an investment property loan?

The amount you can borrow for your investment property loan will depend on your current situation; how many people you live with, how much you earn, expected rental income, current expenses along with borrowing history and credit score. However, you can borrow up to 90% of the property’s value without using your home equity as a deposit. To accurately assess how much you can borrow, be sure to contact one of our brokers.

What costs are involved in an investment property loan?

For your investment property loans, you can expect costs that vary. You will need to save a deposit, which we recommend be at least 20% (avoiding the lender’s mortgage insurance), along with the repayments of the loan itself. This will depend on the lender you choose, but Mortgage Broker Melbourne is sure to get you the best deal on your loan. Additionally, there are often loan establishment fees that your lender will charge for processing the documentation. Ongoing loan fees and interest payments are also costs to consider, as they are the ongoing costs of loans. You should also look out for property loan break costs if you opt for a fixed loan; they only apply when leaving the loan before the fixed-rate term ends. However, we don’t charge any fees for our service! We will provide you with expert advice to ensure you get the most out of your investment property loan.

First Home Buyer.