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First Home Buyer Loans Melbourne
Buying your first home is exciting — and we’re here to make it simple. Sultan Finance helps first home buyers across Melbourne compare lenders, use available grants and get loan approval faster.
What is a First Home Buyer Loan?
A first home buyer loan is designed for people purchasing their very first property. These loans may offer lower deposits, competitive rates, or access to government schemes that make getting into the market easier.
At Sultan Finance, we compare a range of lenders, explain the options clearly, and help you choose the loan that fits your budget, income, and goals.
Sultan Finance specialises in first home buyer loans Melbourne, helping you secure the right lender and fast approval. Sultan Finance specialises in first home buyer loans Melbourne, helping you secure the right lender and fast approval.Our first home buyer loans Melbourne options are designed to help you enter the property market faster with guidance from our expert team.
Quick facts
- Loans for first-time buyers
- Low deposit options
- We deal with the banks
- Service is free to you*
*We’re paid by the lender once your loan settles.
Government Grants & Incentives (VIC)
As a first home buyer in Victoria, you may be able to reduce your upfront costs. We’ll tell you exactly what you can use and help you apply.
First Home Owner Grant (FHOG)
Available for eligible buyers purchasing or building a new home.
Stamp Duty Exemptions
Some first home buyers pay reduced or no stamp duty depending on the property value.
First Home Guarantee
Buy with as little as 5% deposit without paying LMI, if places are available.
Not sure if you qualify? We’ll check it for you in the first call.
How the Process Works
We guide you from “I want to buy” to “keys in hand”.
We make applying for first home buyer loans in Melbourne simple, with step-by-step support from pre-approval to settlement.
- Chat with us: tell us about your income, savings and property goals.
- Borrowing power: we tell you how much you can borrow and which lenders fit.
- Pre-approval: we prepare and submit your application.
- Find your property: you make offers confidently.
- Settlement: we stay with you till the end.
Why Choose Sultan Finance?
First-home focused
We explain things simply and tell you what lenders are really looking for.
Multiple lenders
We compare banks and non-banks so you’re not stuck with one option.
End-to-end support
We manage the paperwork and follow up with the lender for you.
First Home Buyer FAQs
How much deposit do I need?
Most first home buyers aim for 5–10% of the property price. With some schemes, you may be able to buy with less.
Do you charge a fee?
No. Our service is free to you — we are paid by the lender after your loan is settled.
Can you help with grants?
Yes, we can check your eligibility for Victoria’s First Home Owner Grant (FHOG) and guide you through the application.
Curious about what your repayments might look like? Try our free first home buyer loan calculator to estimate your repayments instantly.
Support for Melbourne First Home Buyers
Buying your first home is one of life’s biggest milestones. At Sultan Finance, we’re here to make it easier with expert advice and lender comparisons that suit your needs. From pre-approval to settlement, we guide you through every step so your first home buyer loan in Melbourne feels simple and stress-free.
Sultan Finance specialises in first home buyer loans Melbourne, helping you compare lenders, explore low deposit options, and secure fast loan approval with expert guidance every step of the way.
Our team of Melbourne mortgage brokers is dedicated to guiding first home buyers through every stage of their journey. Whether you’re exploring government grants, comparing lenders, or preparing your finances, we’ll help you understand your options clearly. Trust Sultan Finance to make your first home buyer loan process smooth and successful.
We’re proud to support Melbourne first home buyers with personalised guidance and access to competitive home loan options that make ownership achievable.
We also help clients access national initiatives such as the First Home Guarantee (FHBG) and Victoria’s First Home Owner Grant (FHOG), making it easier to enter the property market sooner.
At Sultan Finance, we’ve helped many clients secure first home buyer loans Melbourne that match their goals and budgets, with personalised guidance every step of the way.
Ready to buy your first home?
Talk to a Melbourne mortgage broker who works for you — not the bank.
Book a Free Consultationor call 0406 934 567
