Anil Dadlani
5.0 from 28 Google reviewsMortgage Choice Anil Dadlani · Craigieburn, VIC
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ConstructionPAYGFirst home buyersCommercial
First home buyer mortgage brokers in Melbourne
Compare mortgage brokers in Melbourne who help first home buyers. Check their BrokerScore and reviews, and see which lenders they work with.
3 first home buyer specialists in Melbourne
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Low Rate Home Loan
5.0 from 437 Google reviewsLow Rate Home Loan · Pakenham, VIC
PAYGRefinanceFirst home buyersInvestors
Integrity Finance Australia
5.0 from 134 Google reviewsDingley Village, VIC
Upsizing and bridgingPAYGFirst home buyersInvestors
More highly rated mortgage brokers in Melbourne
These mortgage brokers haven’t listed first home buyer as a specialty on BrokerScore. Many still help with it, so it’s worth asking.
First home buyer help in Victoria
Australian Government 5% Deposit Scheme
- Buy with as little as a 5% deposit without paying lenders mortgage insurance (2% for eligible single parents and legal guardians).
- No income caps and no limit on places since 1 October 2025.
- Property price caps apply and vary by area. Your broker or a participating lender can check the cap for your postcode.
Victoria
- A First Home Owner Grant for eligible new homes.
- A full duty exemption or a duty concession for eligible first home buyers, depending on the property’s value.
- Check the State Revenue Office for current amounts and thresholds.
General information only, last checked 9 October 2026. Grants and concessions change often and have eligibility rules, so confirm with the official source or a mortgage broker before you rely on them.
What a mortgage broker does for a first home buyer
A broker works out how much you can borrow, compares loans across their lender panel, checks which grants and schemes you qualify for, and manages the application through to settlement. Most are paid a commission by the lender, so you usually don’t pay them directly. Ask them to explain how they’re paid before you start.
Get your paperwork ready
Lenders will want ID, recent payslips, bank statements showing your savings history, details of any debts (including credit cards and buy now pay later), and your last tax return if you’re self-employed. Having these ready speeds up pre-approval.