Start with your numbers
We help you understand what you may be able to borrow and what a comfortable repayment could look like.
First Home Buyers — Breathe Finance Melbourne
First Home Buyers
Your first home, made simpler.
Clear, practical mortgage guidance for first home buyers — from working out your budget to collecting the keys.
First home buying
A clear path to your first place
There is a lot to take in when you are buying your first home. We help you understand your borrowing position, compare suitable loan options and move forward with confidence.
How we help
A practical plan from day one
Get pre-approval ready
We explain the documents lenders usually need and help you prepare a strong, organised application.
Compare the right options
We compare loan structures, features, rates and costs across a broad lender panel — not just one bank.
Support through to settlement
Once you find the right property, we coordinate the finance process and stay alongside you through to settlement.
Government support
Understand the schemes that may help
Government schemes, grants and stamp duty concessions can make a real difference, but eligibility and availability change. We will help you understand which options may be relevant to your situation and direct you to the official information.
First Home Guarantee
An Australian Government scheme that may allow eligible buyers to purchase with a lower deposit without paying Lenders Mortgage Insurance.
Help to Buy
A shared-equity initiative designed to help eligible buyers purchase a home with a smaller deposit and home loan.
State and territory support
First home owner grants and stamp duty concessions vary by state and territory, including Victoria.
Get prepared
Before you start looking
- Review your savings, regular costs and existing commitments.
- Keep payslips, ID, bank statements and other documents organised.
- Factor in purchase costs such as stamp duty, legal fees and inspections.
- Talk to us early, before you make an offer.