First Home Buyer Loans in Australia

Get Expert Guidance on Home Loan Options for First-Time 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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Smart Home Loans for First-Time Buyers

We know that buying your first home is a major milestone—and we’re here to make it easier with expert first home buyer loans in Melbourne support and tailored mortgage broker for first home buyers guidance.

Our expert mortgage brokers specialise in helping clients navigate first home buyer mortgage solutions with confidence. From understanding your borrowing power through home loan pre-approval to selecting the right loan structure and accessing low deposit home loans in Australia, we provide clear, personalised guidance every step of the way.

Whether you’re after best home loan rates, fixed or variable interest rates, or support accessing first home buyer grants VIC and stamp duty concessions Victoria, Finnox team is committed to finding the right solution for your unique needs.

Let Finnox team help you unlock your first home with smarter lending and trusted advice. Get in touch today to explore the best first home buyer loans options and take the next step toward your property goals.

Find the Right Home Loan for Your First Property

Your journey to homeownership starts with the right loan—we are here to make it happen.

We specialise in helping first home buyers secure tailored finance solutions that match their income, lifestyle, and long-term goals. Our approach ensures you enjoy the excitement of buying your first home without the stress of financial strain.

From calculating your borrowing power to comparing competitive interest rates, our experienced mortgage brokers simplify the process and guide you every step of the way. We also assist with accessing government incentives like the First Home Guarantee Scheme and the First Home Owner Grant, so you can maximise your buying potential.

First Home Guarantee Scheme – Buy your first home with as little as 5% deposit, without paying Lenders Mortgage Insurance.

First Home Owner Grant (FHOG) – Access up to $10,000 towards your first newly built home, depending on your state or territory.

A Smooth Home Loan Journey

Dipal guided us through every stage of our home loan with patience, clarity and genuine support. She made what could have been stressful feel easy.

Krima Patel

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Our Services for First Home Buyers

Pre-Approval

Buying your first home can be overwhelming—but it doesn’t have to be. With Finnox, securing pre-approval means you’ll bid with confidence, knowing your finance is already in place.

Refinancing

Your first home loan isn’t the end of the journey. Finnox continues to support you by reviewing your mortgage regularly and identifying refinancing opportunities that could save you thousands in interest.

Home Loans

Our mortgage specialists are experts in finding the most competitive home loan products for first-time buyers. We tailor every recommendation to your financial situation, helping you access the best rates and deals available.

House & Land Packages

We make financing house and land packages simple. Our team will guide you through the process so you can focus on building your dream home—stress-free.

Property Wealth Planning

Your first home is just the beginning. Finnox provides strategic property wealth planning to help you grow your portfolio and achieve long-term financial success.

Construction Loans

Planning to build your first home? Finnox offers construction loan expertise to help you fund each stage of the build with confidence and clarity.

Why Finnox Is the Smart Choice for First Home Buyers

First Home Loan Experts

At Finnox, helping first-time buyers secure their dream home is our passion. With deep expertise in the mortgage industry, we deliver tailored finance solutions that make your first property purchase smooth, affordable, and stress-free.

Ongoing Support Beyond Settlement

We’re not just here for the loan—we’re here for the long haul. Finnox builds lasting relationships by offering ongoing financial guidance, loan reviews, and strategic advice as your property and lifestyle needs evolve.

Personalised Service That Stands Out

Our customer-first approach goes beyond traditional mortgage broking. We’re known for our responsiveness, transparency, and dedication to making your experience seamless. It’s why our clients keep coming back—and referring their friends.

Expertise That Empowers

We empower first home buyers with expert guidance and financial clarity, helping you make informed decisions through personalised loan strategies backed by real market insights and accounting expertise tailored to your goals.

Finance Solutions Backed by Accounting Insight

Buying your first home is a major financial decision. That’s why our mortgage brokers work hand-in-hand with our accounting experts to deliver informed, strategic loan solutions that align with your broader financial goals.

Your Strategic Property Finance Partner

When you choose Finnox, you’re not just getting access to great rates—you’re gaining a strategic partner. We help you plan for the future, from budgeting and tax planning to long-term property wealth strategies.

First Home Loan Experts

At Finnox, we specialise in helping clients secure the right First Home loans in Melbourne, which makes the journey simple and stress-free. Our experienced finance team guides you through every stage of the process, from pre-approval and land settlement to construction loans, progress payments, and final approval. With access to a wide range of lenders and flexible loan products, we ensure your financing is tailored to your budget and unique needs.

Trust Finnox team to provide expert advice, clear guidance, and support throughout your house and land finance journey.

Contact Finnox team today and buy your dream home with confidence!

Home Loan Solutions with Genuine Care
Dipal took the time to understand our family’s needs and secured the right home loan solution. Her professionalism, expertise and care made the entire experience seamless.

Mitul Patel

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Frequently Asked Questions – First Home Buyers

How much deposit do I need to buy my first home?

Most lenders require a minimum deposit of 5–20%. With the First Home Guarantee Scheme, eligible buyers may purchase with as little as 5% deposit and avoid paying Lenders Mortgage Insurance.

What is the First Home Owner Grant (FHOG)?

The FHOG is a government incentive offering up to $10,000 for eligible first-time buyers purchasing a newly built home. The amount and eligibility criteria vary by state or territory.

Can Finnox help me access government grants and schemes?

Absolutely. Our mortgage brokers will assess your eligibility and guide you through the application process for grants like the FHOG and the First Home Guarantee Scheme.

What is loan pre-approval and why is it important?

Pre-approval gives you a clear idea of your borrowing power and shows sellers you’re a serious buyer. It helps you bid with confidence and avoid delays during settlement.

Should I choose a fixed or variable interest rate?

It depends on your financial goals and risk tolerance. Fixed rates offer stability, while variable rates may provide flexibility and potential savings. We’ll help you compare both options.

Can I get a home loan with a low income or limited savings?

Yes—depending on your financial profile and credit history, there may be low-deposit or guarantor loan options available. Finnox will help you explore lenders that suit your situation.

What costs should I expect beyond the deposit?

Additional costs may include stamp duty, legal fees, building inspections, and loan application fees. We’ll help you budget for these and identify any exemptions or concessions you may qualify for.

How does Finnox support me after I buy my first home?

We offer ongoing loan reviews, refinancing advice, and strategic financial planning through our accounting team—ensuring your mortgage continues to work for you long after settlement.

Finnox explained every loan option clearly and made the entire lending process simple, efficient and stress-free with excellent communication throughout.

Avani Gandhi

Dipal guided us through every stage of our home loan with patience, clarity and genuine support. She made what could have been stressful feel easy.

Krima Patel

Professional advice, quick responses and clear guidance made the loan process easy. I highly recommend Finnox for home loan and finance solutions

Ali Unia

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

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12 Next

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

⭐️⭐️⭐️⭐️⭐️
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.