Loans For First Home Buyers

Expert Home Loan Services for First Home Buyers

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75+ 5-star reviews on Google

As a startup, their guidance was a game-changer. They handled our tax needs with precision and offered strategic advice that helped us grow with confidence from day one.

Abby John

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First Home Buyer Loan Solutions in Melbourne

At Finnox, we provide tailored First Home Buyer Loan Solutions in Melbourne designed to make your homeownership journey simple and stress-free. Our mortgage specialists compare a wide range of lenders to secure competitive rates, flexible repayment options, and low-deposit pathways suited to your financial goals. We guide you through every step, from understanding government grants and incentives to managing paperwork and loan pre-approval. With personalised advice, transparent communication, and a commitment to your long-term success, Finnox ensures first-time buyers feel confident, supported, and financially ready to purchase their first home.

Find the Perfect Home Loan for Your First Property

Finding the right loan for your first home is easier with Finnox by your side. We help Melbourne first-home buyers navigate lending options, compare competitive rates, and access low-deposit or government-supported pathways. Our experts compare loans from 50+ lenders, including the four major banks, to find the best fit for your financial goals. We assess your borrowing power, explain every step clearly, and handle the paperwork for a smooth approval. With tailored guidance and transparent advice, Finnox makes securing your first home loan simple and stress-free.

As a startup, their guidance was a game-changer. They handled our tax needs with precision and offered strategic advice that helped us grow with confidence from day one.

Abby John

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Our Key Service For First Home Buyers

Loan Comparison & Selection

We compare 50+ lenders, including major banks (Commonwelth Bank, Westpac, NAB and ANZ), to find the best first-home loan options.

Borrowing Capacity Assessment

We calculate how much you can comfortably borrow based on income, expenses, and goals.

Government Grants Guidance

We help you understand eligibility for FHOG, stamp duty concessions, and first-home incentives.

Pre-Approval Support

We prepare your documents and secure fast, reliable pre-approval.

Low-Deposit Loan Solutions

We identify lenders offering low-deposit or no-LMI pathways for first-home buyers.

Interest Rate Negotiation

We negotiate competitive rates and loan features on your behalf.

Paperwork & Submission Handling

We manage all documents and lodge your application correctly the first time.

Loan Structure Advice

We guide you on fixed, variable, or split options suited to your financial plan.

Settlement & Post-Loan Support

We coordinate with banks and conveyancers and offer ongoing support after settlement.

Why choose us?

Personalised Loan Strategies

We tailor every recommendation to your financial goals, income, and long-term property plans.Expert Accounting

Expert First-Home Support

We simplify complex loan processes, explain everything clearly, and guide you from pre-approval to settlement.Funding & Grant Advice

Fast, Stress-Free Approvals

Our streamlined process and accurate documentation help achieve quicker approvals and fewer delays.

Transparent, Honest Advice

We provide clear explanations, upfront communication, and no hidden surprises throughout your home loan journey.

Ongoing Post-Settlement Care

We monitor your loan, suggest refinancing opportunities, and continue supporting you even after you get the keys.

Client-Focused Service Experience

We prioritise your comfort and confidence with friendly support, detailed explanations, and guidance designed around your unique journey.

First Home Buyer Grant & Stamp Duty Savings in Victoria

With property prices rising across Victoria, entering the housing market is more challenging than ever. To help first-home buyers, the state and federal governments offer grants, stamp duty savings, and shared equity schemes. These initiatives are designed to reduce upfront costs and make buying your first home more achievable. Finnox guides you through eligibility, applications, and securing the right home loan, so you can take advantage of these benefits and step into homeownership with confidence.

As a sole trader, their support has been invaluable. They simplified my tax obligations, offered clear advice, and genuinely cared about my business growth. I couldn’t ask for better guidance.

Sam Wilson

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Access Over 50 Trusted Lenders

Let our expert mortgage brokers do the legwork for you. With a panel of
50+ leading banks and lenders, we’ll find the right loan to suit your
needs—quickly and easily.

6833df887dac50f303dec2f7 Connective Bridge short lender panel

Get a personal consultation.

Office

4a Bonview Circuit, Truganina, VIC, 3029
Bentleigh East, VIC 3165

Contact Number

04 255 38592
04 300 38592

dipal@finnox.com.au

Open Hours

By appointment

5.0

Based on 15 reviews

swapnali pashankar

8 months ago

Very professional and friendly. My tax return was done on time and without any issues. They also gave good advice regarding loan options. Would recommend.

Avani Gandhi

8 months ago

Very helpful and knowledgeable team. They guided me through loan options patiently and made the whole process stress-free. Excellent service and quick responses.

Siddharth Pashankar

8 months ago

I used their services for tax filing in Australia and had a really smooth experience. Everything was explained clearly and they were easy to communicate with. Happy with the service overall.

Vaishnavi Gandhi

8 months ago

Great experience with their accounting and tax services. Everything was explained clearly and professionally, and the process was smooth from start to finish. Highly recommend for anyone looking for reliable tax and accounting support.

Krima Patel

1 year ago

Grateful for a Seamless Experience" Dipal was incredible to work with—warm, professional, and truly attentive from day one. She made us feel supported and guided us through each step of the home loan process with clarity and care. What could have been stressful felt completely smooth. We're so thankful to Dipal and the Finnox team.

Trushal Pansuriya

1 year ago

Exceptional Business Support from Finnox Consulting
Working with Finnox Consulting was a game-changer for our business. Their expert team assisted us with business plan preparation, ASIC record updates, Xero setup, ATO compliance, and income tax return lodgement. Every service was delivered with precision, professionalism, and care. Dipal & Finnox Team made the entire process seamless—highly recommended for reliable business consulting in Australia!
-Burger Road Tarneit

Vidh Imports

1 year ago

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I had an excellent experience with Finnox Consulting. Their team provided expert advice and guided me through the entire business setup and registration process with ease. Everything was handled professionally, on time, and with great attention to detail. They made what could have been a stressful process feel smooth and simple. I truly appreciate their support and highly recommend Finnox Consulting to anyone needing reliable and professional business consulting services.

birjukumar shah

1 year ago

Expert Business Set Up & Trust Structuring - Finnox
I had a great experience working with Dipal at Finnox. Her expert advice on business setup and trust structuring aligned perfectly with my goals. The entire process was smooth and stress-free. I highly recommend Finnox to anyone seeking reliable business advisory and trust formation service.

sonal patel

1 year ago

Dipal is knowledgeable, and incredibly helpful. If you're looking for honest advice and clear, reliable guidance, she's definitely someone to consider. Highly recommended.

Amit Vekariya

1 year ago

"Reliable, Insightful, and Incredibly Supportive" Dipal at Finnox has been outstanding. As a PAYG earner with rental property and share trading, I needed someone detail-oriented—and she delivered. She also helped with grant review, offering insights I hadn’t considered. Dipal made everything clear and approachable, and I felt fully supported throughout. I highly recommend her to anyone seeking a knowledgeable, efficient, and genuinely supportive tax agent. - Amit

Friends Auto

1 year ago

Highly recommend Finnox for professional and reliable tax, finance, and business advisory services. Their team is knowledgeable, responsive, and genuinely focused on client success. From BAS & GST lodgements, tax returns, and business structuring, to cash flow planning and cloud accounting with Xero, they offer everything under one roof. Great for small businesses, startups, and individuals needing expert financial support.

Zannie

1 year ago

"Finally in Control of My Finances" As a busy healthcare professional, I needed an accountant who could simplify the financial side of things without cutting corners. Dipal and the Finnox team delivered exactly that—offering smart, tailored advice from tax planning to mortgage support. They’re incredibly responsive, genuinely knowledgeable, and clearly care about my long-term success. Thanks to their guidance, I finally feel confident and in control of my finances. – Zannie Bhatt, Physiotherapist

Jinkal Shah

1 year ago

Exceptional Financial Insight & Partnership
As a mortgage broker, working with Dipal and the Finnox team has been a standout experience. Their business planning and financial reports are always precise, strategic, and lender-ready—making my job easier and giving clients a clear path to success.
Highly recommend Finnox to any broker or business owner seeking a reliable accounting partner. — Jinkal Shah, Mortgage Broker

Abhishek Mandal

1 year ago

Exceptional Support for a Smooth Business Start.
Navigating the complexities of purchasing a business, I couldn’t have asked for a better partner than Finnox Consulting.

From the first consultation, Dipal and her team offered expert guidance that gave me confidence in every step of the process. They made QuickBooks setup, payroll, and compliance smooth and stress-free. Dipal is responsive, professional, and truly cares.

I highly recommend Finnox to any small business owner looking for reliable, expert support.