Your First Home Journey Starts Here
Buying your first home is one of life's biggest milestones. Dahiya Mortgage & Finance specialises in guiding first home buyers through every step — from accessing the $10,000 First Home Owner Grant and stamp duty exemptions up to $600,000, to low-deposit options and Help to Buy (government covers 40% of deposit, you need just 2%).
Key Benefits
Our First Home Buyers Process
As a first home buyer, you may be eligible for the Victorian FHOG of $10,000 for new homes valued under $750,000, plus stamp duty exemptions for properties under $600,000. The Help to Buy scheme allows eligible buyers to purchase with as little as 2% deposit — the government covers up to 40%. We ensure you take full advantage of every benefit available.
We understand saving a large deposit is challenging. That's why we offer access to low-deposit loans, family guarantee arrangements, and the First Home Super Saver Scheme — allowing you to withdraw super contributions tax-free for a bigger deposit, faster.
Grant Eligibility Check
We assess your eligibility for FHOG, stamp duty concessions, Help to Buy, and all other first home buyer benefits.
Budget Planning
Understand your true borrowing capacity including all upfront costs — stamp duty, legal fees, and building inspections.
Low Deposit Options
Access loans with as little as 2–5% deposit through specialist lenders, government schemes, and family guarantees.
End-to-End Support
We walk you through every step — from pre-approval to settlement — so you feel confident and never lost.
First Home Buyers Across Melbourne
Frequently Asked Questions
The Victorian FHOG provides $10,000 for first home buyers purchasing or building a new home valued under $750,000. We help you determine eligibility and apply.
Ideally 20%, but many first home buyers enter the market with 5–10%. Some government schemes require just 2%. Family guarantees can help you avoid LMI entirely.
Beyond the deposit, budget for conveyancing fees ($1,500–2,500), building inspections ($400–600), moving costs, and potentially LMI if your deposit is under 20%.
Take the first step towards homeownership.
Speak with Sunil Dahiya and the team. No obligations, just honest advice tailored to your situation.