First Home Buyers

Get your First Home Loan with Alpha Financial

Buying your first home is likely to be one of the largest purchases you'll make. In Australia, first home buyers can take advantage of the current market conditions as well as generous government incentives (including the first home owner grant) to get on the property ladder.

We've worked with clients across Australia to access the different first home owner grants (FHOG), as well as the various stamp duty and other concessions that may be available depending on which state you are in. We can talk you through your various options, as well as helping you compare things like buying vacant land vs. an established home. You may also be eligible for the Home Guarantee Scheme, which can make a big difference in the type of property you may be able to purchase.

Understanding the process of buying your first home is critical as well as understanding how much you can borrow and how much you should borrow. We've been supporting first home buyers through the purchasing process for years and can help guide you through purchasing your first home.

We're a proud member of the Mortgage and Finance Association of Australia and can help first home buyers right across Australia. If you're looking to buy your first home, we have the expertise and experience to guide you through the process and make the right choice.

Buying your First Home with a Home Loan

Initial Consult

Have a chat with one of our qualified Mortgage Brokers who will understand your situation and talk you through the next steps including what to expect as a first home buyer.

Fact Find

We'll work with you to understand a bit more about your situation (including your financials, assets, etc.) to make sure you qualify for your first home loan.

Pre Approval

Once you're approved, you can start bidding or making offers on properties you want to purchase.

Settlement

You settle on the property, your Home Loan draws-down and you're good to go!

Book Appointment

Our Latest Reviews

Jaimy Chappelow

We recently refinanced with Alex at Alpha Financial and honestly couldn’t have asked for a better experience! From the very beginning, Alex was incredibly knowledgeable, and took the time to explain everything clearly so we felt confident in every decision we were making. We had a lot of questions throughout the process, and no matter how big or small, Alex & his team were always available, patient, and happy to help. The whole process was made to feel smooth, straightforward, and completely manageable, and we felt fully supported the whole way through. We wouldn’t hesitate to recommend Alex and the team at Alpha Financial to anyone looking to refinance. An absolute pleasure to work with!

Claire

I couldn't recommend Alex, Natalie and the team at Alpha Financial highly enough. The team listened to our situation and helped work out the best plan to move forward with our financial goals. Alpha worked with us over the phone and through streamlined and secure systems of gathering information to approach lending in a way that made it easier for self employed people like us. Their incredible knowledge and professionalism was immensely important to us, but also that they are approachable and kind to work with. Their integrity in their work while helping navigate complex banking criteria made it possible for us to remortgage where others would have failed. I highly recommend their services.

Nikki Ingram

The guidance and support we received from Alex and Nat when refinancing our home loans has been extremely helpful. They provided some great options and explained them all clearly to us, allowing us to make the final decision based on the information they provided. They have continued to provide support as the new home loans have been established, always checking in to see that everyone has gone well for us. I would highly recommend the services of Alpha Financial.

Matthew Lagerroth

Alex and the team at Alpha Financial were exceptional, professional, and went the extra mile to ensure we unlocked the best out of our investment properties potential. ...

Emily Ryan

An expert in his industry, Alex presented me with my borrowing options clearly and simply, answering all my questions with ease. Professional, a strong communicator and knowledgable, I'll definitely use Alex and his team again.

Sam Houston

I would recommend Alex and the team at Alpha Financial. Recently refinanced my home and business loans and the process was handled exceptionally well and easy the whole way through. ...

We work with Australia's biggest lenders

Frequently Asked Questions

Can you only help with Home Loans?

We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.

Why should I use a Mortgage Broker?

Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.

Are your mortgage brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.

Can you help with refinancing an existing Mortgage?

Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.

Can you help First Home Buyers?

We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.

What kind of interest rates can you offer?

We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.