First Home Loans | Mortgage Broker Hoppers Crossing, Tarneit & Truganina

Support with your first home loan

Our team at Mortgage Choice in Hoppers Crossing are passionate about supporting first home buyers. We know just how confusing the process can be, especially if you're navigating it alone. We're here to be your advocate with the banks and lenders, and support you with tailored advice at each step of the journey. Even if you just want to have a quick chat about your future plans, we're here to help.

Here's how we help first home buyers

We sit down with you to go through your numbers, how much you can afford to borrow & repay based on your income, expenses and current debts. Our Hoppers Crossing team will take you through everything you need to know to get started.
We figure out what you need from your home loan before searching through 35 lenders & thousands of loans to find the right one. Our Mortgage Broker Hoppers Crossing team has a wide range of lenders to choose from, rather than just the 'big four'. We'll do the work comparing them for you, so you don't have to DIY.
We do all the legwork and paperwork. As a first home buyer, you might feel a bit intimidated by all the application paperwork required. Good news is: we've done it hundreds of times before and know exactly what the lenders are looking for. We take care of everything for you.

How much deposit do I need?

We don't charge for our service

It sounds unusual, but it's one of our favourite things about our service! We're able to offer our home loan service at no cost. Instead, the lender you choose pays us a commission when your home loan settles. It doesn't affect what you pay and gives everyone access to indepedent advice.

Our Mortgage Broker in Hoppers Crossing Matt La Rocca working in our office

Use our know-how to get the best outcome

We've spent years building up our experience and use it to get you a great deal on your first home. You shouldn't get a subpar deal just because you're new to the process. Let us help!

Find out more about our team

Ask us about:

First home buyer incentives

As a first home buyer, you may have some additional Government grants and incentives available to you. Incentives like the First Home Guarantee Scheme - which can help you buy with just 5% deposit, while also avoiding Lenders Mortgage Insurance. Or there's the First Home Owners Grant, a one-off $10,000 payment for first home buyers purchasing a new home. There are quite a few available to help you save on purchase costs. Our Mortgage Choice Hoppers Crossing team will go through eligibility and help you apply.

Guarantor Loans

If you’re trying to buy a home with less than a 20% deposit, lenders may require you to pay Lender’s Mortgage Insurance otherwise known as LMI. You can avoid paying LMI if you have a guarantor, who is usually a parent or family member. A guarantor is someone who can provide security for your loan by putting up their own home as security for the loan. Our specialist first home team will take both you and your potential guarantor through the pros and con, and help organise the finance if you choose to go ahead.

What our first home buyer clients say:

"Outstanding service! Tabitha helped my husband and I every step of the way. With us being new home owners we had no idea what to expect but Tabitha made the process so easy, and explained every detail to us. We couldn’t thank her enough for all her help, and making our dream come true. Definitely recommend Mortgage Choice Hoppers Crossing to anyone!" (Hana, Seaholme)

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Your first home starts here

We're passionate about helping our clients achieve their goals - like buying their first home! To make our service as accessible as possible, we chat to clients by phone or video. Or better yet, we can meet in person! Visit us at 1/58 Old Geelong Road Hoppers Crossing or we can come to you in Hoppers Crossing, Tarneit, Truganina, Point Cook and right across Melbourne.