First Home Buyer Loans
Step into the property market with clarity and confidence
We guide first home buyers through the entire process — from understanding deposits to unlocking government incentives and getting approved.
Why Choose JS Mortgage Hub for Your First Home?
Because buying your first home shouldn’t feel like guesswork
At JS Mortgage Hub, we’ve helped countless first-time buyers secure the keys to their new homes — even when they thought it wasn’t possible. We take the time to understand your goals, income, savings, and lifestyle before recommending the right loan structure.
We explain the impact of loan terms, interest types, LMI (Lender’s Mortgage Insurance), and ongoing repayments — giving you confidence to make informed choices.
It’s not about pushing you into the biggest loan you qualify for — it’s about setting you up for long-term success.
Why JS Mortgage Hub is the Trusted Choice
From pre-approval to settlement, we explain everything in plain English.
We help you unlock the First Home Owner Grant (FHOG), First Home Guarantee, and stamp duty concessions where applicable.
We explore lenders offering 5% deposit loans (and sometimes less with government support).
We work for you, not the banks. That means honest advice, personalised options, and no pressure.
Melbourne Market Insight: Asset Finance in Victoria’s Economic Hub
Melbourne’s property market can be tough to break into — with rising prices in inner-city suburbs and growing demand in outer growth corridors. But opportunities still exist, especially in areas like Clyde, Craigieburn, Tarneit, and Wallan where government incentives and new estates offer strong value.
As a Melbourne mortgage broker, JS Mortgage Hub keeps up with local developments, suburb trends, and lender policy changes — so you don’t have to. We’re also the mortgage broker near you who understands the realities of buying in today’s market — not just the theory.
What You Can Expect – And How We Make It Easier
How much do I need to save?
Am I eligible for any first home buyer grants?
What if I’ve only been working for 6 months or I’m on a contract?
Here’s how we support you:
We help you work out your borrowing capacity — clearly and realistically
We structure your loan to reduce upfront and ongoing costs
We manage everything from lender comparison to application to settlement
We keep you in the loop the whole way, without overwhelm
