Your next home
Upgrading, downsizing or buying before you sell. Bridging and structure options explained before you commit.
Buying your next home First Home Buyers
Your first home, with someone in your corner.
Buying your first home is a lot to take in. I'll explain every step, check which government schemes you qualify for and make sure your finance is ready before you fall in love with a property.
How we get you to the keys
Clear steps, one person, no surprises.
- A plan, not just a numberWe talk through your savings, income, timing and the areas you like, then map a realistic budget including stamp duty and costs.
- Schemes and concessions checkedFirst Home Owner Grant, stamp duty exemption or concession and the 5% Deposit Scheme, confirmed against your situation.
- Pre-approvalWith a lender chosen for your circumstances, so you can bid or make an offer with confidence.
- Contract to settlementValuation, formal approval and settlement coordinated with your conveyancer.
What we'll cover.
The details that make the difference, checked before you commit.
- Deposit optionsIncluding smaller-deposit pathways where you are eligible.
- Lenders mortgage insuranceWhen it applies and how to reduce or avoid it.
- Auction readinessIn Victoria there is no cooling-off period at auction.
- A conveyancer, by referralI can refer you to a licensed conveyancer if you need one.
40+ lenders. One conversation.
Major banks, regional banks and specialist lenders. I compare them for you, so you don't have to.
Client reviews
She made my first home purchase so easy and stress-free! … She will definitely be my first and last broker manager for all the future properties!
We’ve been renting for almost 8 years and Jenny helped us become a first home owner. She makes sure we won’t be caught with surprises when we enter the property market.
As a first home buyer, the entire home-buying process was very daunting for me. Fortunately Jenny is an experienced mortgage broker and walked me through all aspects of the process.
I cannot express how grateful I was to have Jenny supporting us through our first home purchase… She is committed, responsive and explains things so clearly.
The property purchasing journey can be very daunting, especially as a first-time homebuyer… Jenny was proactive every step of the way and meticulous in her work.
Questions I'm often asked.
How much deposit do I need?
Many lenders prefer 20% to avoid lenders mortgage insurance, but buying with less is possible, and government schemes may help eligible buyers purchase with as little as 5%. I'll show you the options and their trade-offs.
Am I eligible for the First Home Owner Grant?
The Victorian grant applies to eligible first home buyers purchasing or building a new home, subject to a value cap and other criteria. See first home buyer schemes in Victoria.
How much stamp duty will I pay?
Eligible first home buyers in Victoria pay no duty on homes up to $600,000 and a reduced amount up to $750,000. Try the stamp duty calculator.
Worth a read.
First home buyer schemes in Victoria: grants, stamp duty and the 5% Deposit Scheme
How the Victorian First Home Owner Grant, first home buyer stamp duty savings and the Australian Government 5% Deposit Scheme work, and who may be eligible.
Home loan pre-approval: what it is and when to get one
What home loan pre-approval means, what lenders check, how long it lasts and why it matters before an auction in Victoria.
Lenders mortgage insurance (LMI): what it is and how to reduce it
What lenders mortgage insurance is, who it protects, when it usually applies, how it's paid and the main ways home buyers can reduce or avoid it.
Other home loan help.
Refinancing
A better rate, an offset account, consolidating debt or releasing equity. I compare the full cost of switching, not just the headline rate.
RefinancingProperty investment
Loan structures that keep investment and personal debt clean, and set you up for the next purchase.
Investment loansConstruction & renovation
Progress-payment loans for building or major renovations, managed stage by stage with your builder.
Construction loansTell me what you're planning. I'll be in touch soon.
Send me an enquiry and I'll get back to you as soon as possible.
Start your enquiry Or call me directly0421 066 065Home loans are subject to the lender's credit assessment and eligibility criteria. Government scheme eligibility criteria apply.