First Home Buyers

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

Buying your first home is an exciting milestone, but it can also feel overwhelming. At Influence Finance Group, we specialise in helping first home buyers in Melbourne and across Australia achieve their dream of home ownership. Our services are designed to make the process of applying for a home loan straightforward and stress-free. We provide you with access to Home Loan options from banks and lenders nationwide, ensuring you find a deal that suits your unique financial situation. Whether you're looking to get pre-approved or explore interest rate discounts, we're here to guide you every step of the way.

The journey to buying your first home begins with understanding your borrowing capacity. We assist you in evaluating your financial situation, considering factors like your credit history and bank statements, to determine how much you can borrow. This assessment is crucial for knowing the loan amount you might be eligible for. We also help you check eligibility to access lenders mortgage insurance (LMI) waivers and first home owner grants (FHOG), which can significantly reduce upfront costs. With our expertise, you can make informed decisions about stamp duty and other expenses, ensuring a smoother home buying experience.

Choosing the right Home Loan is vital, as it influences your long-term financial health. Our team at Influence Finance Group helps you explore various interest rate options, including variable and fixed interest rates. We aim to find a solution that aligns with your goals, whether it's paying off your loan sooner or having predictable monthly payments. Additionally, we discuss the benefits of features like offset accounts, which can save you money in interest over the life of your loan. Our extensive access to banks and lenders across Australia means we can tailor a package that meets your needs while offering interest rate discounts where possible.

Understanding the application process is another essential aspect of buying your first home. Our streamlined application process is designed to simplify each step, from initial consultation to final approval. We guide you through gathering necessary documents like bank statements and help you apply for a home loan that fits your circumstances. If you're considering investment loan options, we also offer assistance with first investment property applications, helping you navigate loan to value ratio (LVR) requirements and other considerations. By ensuring everything is in order, we increase your chances of a successful application.

Our commitment to first home buyers extends beyond just finding the right loan. We provide ongoing support and advice as you enter the property market. Our knowledge of the latest trends and conditions helps you make smart decisions about buying a home. Whether you’re looking in Melbourne or exploring opportunities nationwide, our team is ready to assist you every step of the way.

Embarking on the journey of buying your first home is a significant step, but with Influence Finance Group, you're not alone. We offer comprehensive support tailored to first home buyers, ensuring that you have access to Home Loan options from banks and lenders across Australia. From checking eligibility for LMI waivers and FHOG to understanding interest rates and loan features, our goal is to make your path to home ownership as smooth as possible. Contact us today to start your journey towards owning your dream home with confidence and clarity.

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

Kapilan Sarma

I have known Paul for a number of years now and he has assisted be with various services from re-financing loans to new home loans for house purchases. All my experiences with him have been positive. His ability to respond in a timely manner to lender issues, providing financial advice and constantly keeping me in the loop during all steps is very comforting. I would highly recommend him to others who require similar services. Thanks Paul for all your help over the years.

Gayle Millington

Paul and the company have been so very helpful on many occasions. He takes a personal interest with all his clients He know his stuff and is up to date with all the latest products and policies… would and have told everyone about him…

Joel Parker

I wanted to take a moment to commend Paul for his remarkable service in assisting us to secure a complex home loan. Navigating through the intricacies of home financing can be daunting, yet with Paul, it felt like a well-planned journey. ...

Amanda Kemp

Paul has been absolutely amazing! Going over and above to get the best deal for myself and my family. I would recommend him to anyone who is looking for a Mortgage Broker who will keep your best interests at heart and get you the best outcome.

Briar Ferguson

Paul was referred to me as I was struggling to find a finance professional who could cater for my finance requirements. I found him to be extremely professional, diligent with the ability to think outside the box. ...

Monica Brabant

Paul is absolutely amazing. He's helped me twice now with refinancing, he really listens and understands my goals and goes above and beyond to get the best outcome for me. I wouldn't hesitate to work with Paul again, and highly recommend him to anyone else

We work with Australia's biggest lenders

Frequently Asked Questions

Should I go directly to a bank or use a broker?

Banks will only offer their own products, which may not be the best fit for your situation. A broker compares a wide range of loan options from different banks and lenders to help you find the right solution. Brokers are also legally required to act in your best interest, while banks are not held to the same standard.

Is there a cost to use a mortgage broker?

In most cases, you won’t need to pay a fee for our service. Mortgage brokers are typically paid a commission by the lender you proceed with. If you're unsure or would like to learn more, feel free to reach out with any questions.

Is pre-approval necessary for an investment loan?

Yes, getting pre approval is an important step when purchasing an investment property. It means the lender has reviewed your financial situation and confirmed the maximum amount they are willing to lend. This helps you understand your budget and makes you more confident when you are ready to make an offer.

What happens to my home loan if I move to a new property?

If you are buying a new home, you usually have two options for your loan. You can refinance with your current lender or a new one, or you can pay off your existing loan and apply for a new one for your next property. A broker can help you understand what you can afford and which option might suit you better.

How can I choose the right investment loan?

The best investment loan will support your financial goals, whether you are focused on increasing cash flow or building long term value. One of the first things to consider is whether you want a fixed or variable interest rate. Each lender offers different loan features, so working with a broker can help you find the right loan with the right structure for your needs.

What are the fees involved in buying a property?

There are several extra costs that come with purchasing a property, and they are not always explained clearly. These can include stamp duty, loan application fees, building and pest inspections, and other charges. Speaking with a broker can help you understand all the costs upfront and avoid unexpected surprises.

Request a Callback

Name

Phone Number

Email Address

Melbourne, VIC

0448 005 520

About

Services

Resources

Key Service Areas

INTERNATIONAL LENDING GROUP PTY LTD ABN: 31 668 903 688. Credit Representative #513915 is authorised under Australian Credit License #517192

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.