Are you planning to buy your first home in Melbourne? At Ingenious Finance, we’re here to turn your dream of homeownership into reality. As your trusted local mortgage experts, we specialize in helping you access the First Home Buyers Grant in Melbourne and secure the right first home buyer loan tailored to your budget and goals.
What Is the First Home Buyers Grant in Melbourne?
The First Home Owner Grant (FHOG) is a government initiative designed to help first-time buyers purchase a newly built home or build a new one. In Victoria, eligible first home buyers may receive up to $10,000 if buying or building a new home valued up to $750,000.
At Ingenious Finance, we help you understand your eligibility, prepare your grant application, and combine it with the most suitable first home buyer loan in Melbourne.
First Home Buyer Loan Melbourne – Get Pre-Approved with Confidence
Finding the right home loan as a first-time buyer can be overwhelming. With so many options, rates, and conditions—it’s easy to get lost. That’s where we come in. As Melbourne’s trusted mortgage broker, we help you:
- ✅ Understand your borrowing capacity
- ✅ Find the lowest interest rates from over 30 lenders
- ✅ Combine your loan with government grants and schemes
- ✅ Get pre-approval so you can shop with confidence
- ✅ Navigate all paperwork, terms, and bank requirements
Who’s Eligible for the First Home Buyers Grant in Melbourne?
To qualify for the FHOG in Victoria, you must:
- Be at least 18 years old
- Be an Australian citizen or permanent resident
- Be buying or building a new home (not previously sold or occupied)
- Intend to live in the home as your principal place of residence for at least 12 months
- Not have previously owned residential property in Australia
Still unsure about your eligibility? Our loan specialists will assess your situation and provide a clear roadmap forward.
How Ingenious Finance Supports First Home Buyers in Melbourne
🏡 Grant & Scheme Expertise
We guide you through applying for the First Home Buyers Grant, as well as other incentives like the First Home Guarantee (no LMI) and stamp duty concessions in Victoria.
📊 Custom Loan Matching
We compare hundreds of loan products from over 30 banks and lenders to match you with a loan that suits your financial situation, future goals, and repayment comfort.
📝 End-to-End Loan Support
From your first consultation to settlement day, we handle all paperwork, communicate with lenders, and make the process easy.
💬 Jargon-Free Guidance
Our goal is to empower first home buyers with knowledge. We simplify the terms and explain your loan options in clear, easy-to-understand language.
Benefits of Working with Ingenious Finance for Your First Home
- 🚀 Faster loan approval & pre-approval support
- 🔑 Low deposit loan options (as little as 5%)
- 📉 No Lenders Mortgage Insurance (LMI) options through First Home Guarantee
- 💰 Access to FHOG + Stamp Duty Exemptions
- 🤝 Trusted partner throughout your homebuying journey
Start Your Home Buying Journey Today
With Ingenious Finance by your side, buying your first home in Melbourne becomes an exciting and stress-free experience. We take care of everything—so you can focus on finding your dream home.
https://ingenious-finance.com/first-home-buyer-loan-in-melbourne/
