First Home Buyers

Get your First Home Loan plus understand any First Home Buyer Grants & Incentives

Buying your first home is an exhilarating yet daunting process, full of complexities that can baffle even the seasoned homebuyers. The good news is that First Home Buyers choosing My Home Mortgages embark on this journey with a trusted Home Finance & Mortgage Broker who completes these lends often and are up to date on all the governmental assistance grants and stamp duty concessions. We stand out because we understand that embarking on your property journey is not just about finding a home but securing your future.

First Home Buyers gain unrivalled access to Home Loan options from an extensive network of banks and lenders across Australia, through My Home Mortgages. This vast access means you are not limited to one lender's offerings, ensuring you get competitive interest rates, whether it's a variable interest rate or a fixed interest rate, that align with your financial situation. Our expertise includes navigating the nuances of lenders mortgage insurance (LMI), understanding loan to value ratios (LVR), and procuring interest rate discounts that are most beneficial to you.

When applying for your first home loan, the terms can often seem heavy – stamp duty, borrowing capacity, credit history – but we simplify this. Our streamlined application process demystifies these terms, making it easier for you to understand how they impact your loan amount and your journey to buying a home. Whether it’s your first home or you’re aiming to build an investment property portfolio and need help with your first home as an investment, we’re adept at guiding First Home Buyers through the loan application process through to post settlement advice.

My Home Mortgages ensures First Home Buyers are well-equipped with knowledge on First Home-Owner grants (FHOG) and First Home Guarantee (FHBG) & Regional style benefits that remove the requirement to pay Lenders Mortgage Insurance and often end up with a lower interest rate. Our tailored approach means we assess your unique circumstance, offering solutions that maximise your borrowing capacity and align with your goals – all while ensuring a seamless, easy-to-navigate application that is predominantly an all-electronic process.

My Home Mortgage Brokers have access to lenders that carry places in FHBG, FHG (Regional), FHOG grants that state and federal governments provide. We can generally secure you a placement with a grant upon conditional approval meaning you can go home hunting with confidence.

Find out how much you can borrow

In 60 seconds, understand how much you can borrow to buy your dream home.

Get your Borrowing Capacity

Buying your First Home with a Home Loan

Initial Consult

Have a chat with one of our qualified Mortgage Brokers who will understand your situation and talk you through the next steps including what to expect as a First Home Buyer.

Fact Find

We'll work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for your First Home Loan.

Pre Approval

Once you're approved, you can start bidding or making offers on properties you want to purchase.

Settlement

You settle on the property, your Home Loan draws-down and you're good to go!

Book Appointment

Our Latest Reviews

Anna Lum

Darren and the team are just extraordinary. We've worked with Lydian twice now and are extremely happy with the results, level of service and the depth of knowledge! Highly recommend! Thank you team!

Alok Prasai

Darren is an outstanding mortgage broker. As first-time home buyers, we were quite unsure about the process, but his expertise and guidance were invaluable in helping us purchase our first home.

Angela Baker

Brendan was amazing to deal with, and the whole process was seamless, despite a complicated situation. Highly recommend !!

David Hunter

Brendan was terrific to navigate me through the loan process and I was very pleased with the service from him and his team.

Branavan Ravichelvan

We were referred to this company and paired up with Brendan. It's been great ever since. There is a lot of experience here paired up with good processes and systems. Brendan is wonderful to work with and always has time for our questions. We feel very comfortable working with Lydian Finance.

Jacinta Vincent

Brendan & Jess where super helpful! Will certainly come to them for our next property purchase.

We work with Australia's biggest lenders

Frequently Asked Questions

Can you help First Home Buyers?

We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.

What kind of interest rates can you offer?

We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.

Are your mortgage brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia or the Finance Brokers Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.

Can you help with refinancing an existing Mortgage?

Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.

Can you only help with Home Loans?

We can help with Home and Investment Loans, Construction Loans, Business Loans, SMSF Loans and much more. If you're looking to borrow to buy something, we can probably help.

Why should I use a Mortgage Broker?

Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.

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Sydney & Brisbane

0434 159 448

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My Home Mortgages Pty Ltd ABN: 37678970342. Credit Representative #403246 is authorised under Australian Credit License #387025

Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.