Your First Home Journey Starts Here
Buying your first home is one of life's biggest milestones. At Dahiya Mortgage & Finance, we specialise in guiding first home buyers across Frankston, Lyndhurst, Mornington Peninsula, and greater Melbourne through every step — from understanding government grants to getting the keys to your new home.
Key Benefits
Our First Home Buyers Process
As a first home buyer, you may be eligible for the Victorian First Home Owner Grant of $10,000 for new homes, plus stamp duty exemptions or concessions for properties under $750,000. We ensure you take full advantage of every benefit available.
We understand that saving a large deposit can be challenging. That's why we offer access to low-deposit loans, family guarantee arrangements, and government-backed schemes that can help you get into the market sooner.
Grant Eligibility
We assess your eligibility for FHOG, stamp duty concessions, and other first home buyer benefits.
Budget Planning
Understand your true borrowing capacity including all costs — stamp duty, legal fees, and inspections.
Low Deposit Options
Access loans with as little as 2-5% deposit through specialist lenders and guarantee schemes.
Education & Support
We walk you through the entire process, explaining each step so you feel confident and informed.
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 up to $750,000. We help you determine eligibility and apply.
While 20% is ideal, many first home buyers enter the market with 5-10%. Some lenders offer 2% deposit options, and family guarantees can help you avoid LMI entirely.
Beyond the deposit, budget for stamp duty (potentially exempt), conveyancing fees ($1,500-2,500), building inspections ($400-600), and moving costs.
Take the first step towards homeownership.
Speak with Sunil Dahiya and the team. No obligations, just honest advice.