First Home Buyers

First Home Buyers Mortgages in Melbourne

Buying your first house or apartment?

Buying your first home is a significant first step in creating wealth and can be a roller coaster ride of emotions. Having an experienced team on your side can help steer you in the right direction and reduce your stress.

Court Financial Services has been helping first-time homebuyers for 30 plus years. Our aim is to set you up the right way with a smart home solution for your needs. Whether you’re simply thinking about it or you’re already house hunting, talk to the CFS team today.

first home buyers melbourne

You can rely on us

We will help you every step of the way and get you a smart home loan solution for your circumstances.

melbourne first home buyers
Organise pre-approval

We’ll organise a pre-purchase approval so you know how much you can borrow and how much you can afford to spend. This will help you navigate the real estate market easier.

We’ll explain everything

We take out the jargon and explain the pros and cons of the many options so that you can make decisions with confidence.

First home owner grant

We’ll explain whether you may be eligible for the First Home Owner Grant and how you apply.

We’ll do the leg work

We’ll do the research, crunch the numbers, and negotiate on your behalf to find the loan suited to your needs.

Smooth settlement

We’ll consult with your lender and help you achieve a smooth settlement.

We’ll take care of paperwork

We’ll take care of application paperwork, saving you significant amounts of time and frustration.

Advice on house hunting

We’ll provide helpful guidance on house hunting, auctions and making offers.

Help and guide you

We’ll educate you on how to get the best out of your loan to help you pay your loan off sooner.

Home loan check ups

We’re always here if you have any questions about your loan and to regularly check that it continues to be the right one for your needs.

Have an experienced team on your side

Buying your first home can be overwhelming and daunting. We’ve been helping first home buyers for over 30 years, so we have a wealth of knowledge to share with you.

We offer tips on house hunting, auctions, making offers and negotiating with agents, and even how to stay organised on moving day.

You’ll be relieved to know you have a team to call whenever you have questions. It’s a valuable part of our service to you and it is a big part of what sets our service apart.

first home buyers

FAQs

Can’t find the answer to your question?
Contact Us – We’re ready to help.

How much you can borrow will depend on your monthly income, your living expenses, and the amount of deposit you have. Plus, the exact amount you can borrow will vary from lender to lender depending on your circumstances.

Read more about how much you can borrow here.

A Home loan pre-approval means that a lender has agreed, in principle, to lend you money for the purchase of your home. It’s an agreement that is conditional upon additional criteria being met. Pre-approvals are a great idea as they let you know how much you can borrow before you start looking at properties – which it turn, gives you an idea of what type of property you can afford.

Read more valuable information about pre-approvals here.

The documentation you will need to provide is to verify your income and identification.

We have put together a checklist which you can view here.

In short, we take care of the the process, making it easier for you. We like to arrange a meeting to meet you and understand your needs. Then we take care of the rest, like the paperwork and do all the leg work in finding a lender that will suit your needs. Then we call you back with a pre-approval.

You can read more details about the whole process here.

In short, to choose the best loan for you we start by understanding your needs and circumstances and establish a list of criteria that your loan must meet. We then match lenders and their criteria to suit you and your lifestyle, wellbeing and financial situation. We negotiate on your behalf and do all the leg work.

Read a more detailed outline of how we select the most suitable loan for you here.

When it comes to choosing the right loan for you, a low interest rate is not the only thing to consider. There is a range of loan features that make managing your loan easier and sometimes the benefit of a particular feature is essential for your personal circumstances.

Read more valuable information about the right type of loan for you here.

The First Home Owner Grant (FHOG) is a lump sum of cash funded by state governments to help with the purchase of your first home or block of land. It does not need to be re-paid.

Because it is funded by state governments, the actual amount of the grant is different in each state, and exactly how much you will receive depends on where you are buying and what you are buying.

Read more here about the first home owners grant with examples for Victoria and New South Wales.

While the rules vary between states, the basic First Home Owner Grant conditions are:

  • You must be a permanent resident or an Australian citizen
  • You must not previously have owned or co-owned a home in Australia
  • You must be buying a home to live in – not as an investment property
  • You need to live in the home for at least six months after purchase
  • You must be a natural person (not a company or a trust), and
  • You need to be aged over 18


There is more to understand about the First Home Owner Grant with a detailed list here

Talk to us today

Whether you’re just thinking about buying your first home or if you’re already searching the market, give us a call.