First Home Buyers - We Make Your Property Dream a Reality

First Home Buyers

We'll help you into your First Home

5.0

from 111 Reviews

We'll help you understand the loan types, grants and incentives to get you into your First Home

Buying your first home is an exciting milestone, but it can also bring about a multitude of questions and decisions. At Ozgroup Finance, we specialise in guiding first home buyers in Monash, Victoria, and across Australia through this important journey. Our goal is to help you access Home Loan options from banks and lenders nationwide, ensuring that you find the best fit for your financial situation and future plans. With our expert assistance, you can understand your borrowing capacity and explore opportunities such as interest rate discounts and first home owner grants (FHOG).

For first home buyers, understanding the variety of Home Loan options available is crucial. We provide access to banks and lenders across Australia, offering both fixed and variable interest rate loans, so you can choose what suits your lifestyle and financial goals. Fixed interest rates provide stability in your repayments, while variable rates offer flexibility and the potential for interest rate reductions. Additionally, our team will help you check eligibility to access lenders mortgage insurance (LMI) waivers, which can reduce upfront costs significantly.

Another aspect of buying your first home is managing the application process efficiently. At Ozgroup Finance, we streamline this process by assisting with gathering necessary documents like bank statements and assessing your credit history. Understanding your credit history is essential as it can impact your loan amount and the interest rates available to you. We also calculate your loan to value ratio (LVR) to determine how much you can borrow without incurring additional fees like LMI. By getting pre-approved, you will have a clearer picture of your financial standing and be better prepared to make an offer on a property.

First home buyers often face the challenge of understanding additional costs such as stamp duty. Our experienced brokers at Ozgroup Finance explain these expenses clearly, helping you incorporate them into your overall budget. We also explore ways to maximise benefits like the first home owner grants (FHOG), which can ease the financial burden of buying a home. Furthermore, we advise on setting up an offset account to reduce the interest payable on your loan, potentially saving you money over time.

As part of our comprehensive service, we also discuss investment loan options if you are considering purchasing your first investment property. Understanding the property market is key when applying for a Home Loan or an investment loan. Our team evaluates your borrowing capacity and guides you through the investment loan application process, ensuring that you are well-informed every step of the way.

Ozgroup Finance is dedicated to making buying your first home a smooth and rewarding experience. Whether you're a first-time buyer looking to apply for a Home Loan or considering investment opportunities, our professional team is here to support you every step of the way. Contact us today to explore how we can assist you in achieving your home ownership dreams.

Our Recent Reviews

“The Broker Who Made Our Future Possible” Exceptional Service & Genuine Care – Enver at Ozgroup Finance Enver has been an absolute blessing for our family. He helped us refinance our home and include our car loan, making our repayments easier and putting us back on track to build a secure future for our children. What set Enver apart was his honesty, transparency, and genuine care throughout the entire process. He explained everything clearly, kept us updated at every step, and was incredibly patient with all our questions and concerns. He truly went above and beyond to achieve the best outcome for us, and because of his hard work, we now feel a huge sense of relief and hope for the future. We couldn’t recommend Enver and Ozgroup Finance more highly to anyone looking for a broker who truly puts their clients first.

Zeddy Bland

Going with Enver for a broker was a no brainer, true professional.

Wu Tang

I had a fantastic experience working with Enver as my mortgage broker. He made the whole process smooth and stress-free, always taking the time to explain everything clearly and answer my questions. Enver was professional, reliable, and genuinely cared about getting me the best outcome. He was also super quick in getting my loan approved. I highly recommend him to anyone looking for a trustworthy and knowledgeable broker.

Mo S

We have had such a positive experience with Enver. From the very beginning, he’s been professional, approachable and took a genuine interest in our needs. His knowledge and guidance made the entire process simple and stress-free. ...

Melek Aslan

Frequently Asked Questions

Do you help First-Time Homebuyers?

We specialise in helping first-time buyers navigate the mortgage process, from pre-approval to settlement. Our expert advisors provide personalised support and education, making the journey to homeownership smooth and stress-free. We understand how daunting it can be, but do not worry, we will help you make it easy.

Do you tailor the finance options to client needs?

We believe that one size does not fit all when it comes to home loans. That's why we offer tailored mortgage solutions designed to meet your unique needs. By assessing your financial situation, credit history, and plans to purchase property, we identify the best loan products and terms for you. Our extensive network of over 40 lenders ensures that we can find competitive rates and favourable terms that suit your specific circumstances.

Do you help people that need a lot of assistance?

From the initial consultation to the moment you get the keys to your new home, we are with you every step of the way. Our brokers are always available to answer your questions, address your concerns, and provide expert advice. We are committed to ensuring that your home-buying journey is enjoyable and successful. We Will Make it Simple!

Can you help with Investment Property Purchases?

For those looking to invest in real estate, we offer tailored financing solutions that align with your investment strategy. Our team provides insights into market trends and helps structure loans to optimise cash flow and tax benefits.

Do you have options for more bespoke finance options?

We understand that some clients have unique financing needs. Whether it's a Bridging Loan, a loan for your renovations, or a parental leave loan, we offer specialty loan products designed to meet your specific requirements.

Is the loan application process complicated?

Buying a home involves a lot of paperwork which can be overwhelming. Our team handles all the details, from pre-approval to settlement, to make the process as seamless as possible. We assist with document preparation, speak to all the lenders, and provide regular updates to keep you informed and stress-free.