We make first home buyer loans simple and stress-free. From first-home grants to low-deposit options, our expert brokers guide you at every step to secure the best deals and fast approvals.
Access loans with as little as 5% deposit through government-backed schemes.
We help you access first-home buyer grants and benefits to save more on your purchase.
Eligible buyers may skip Lenders Mortgage Insurance with the First Home Guarantee.
Secure competitive interest rates from 52+ lenders, offering better deals than traditional banks.
Get first-home buyer loan solutions tailored to your needs. Credit Hub offers more options, better rates, and expert support to make buying your first home easier.
Ready to buy your first home? Credit Hub is your trusted guide for mortgage loans for first-time home buyers, including low-deposit options, government schemes, grants, and guarantees. With us, you’ll learn how to secure your dream home with just a 5% deposit and understand when Lenders Mortgage Insurance (LMI) applies—or how to avoid it through eligible schemes.
We make the journey simple by breaking down complex terms and helping you access benefits like the First Home Guarantee. Whether you’re exploring options or ready to apply, our experts are here to support you every step of the way.
Enquire now and take the first confident step toward homeownership.
A first home buyer loan can make stepping into property ownership easier and more affordable. With options like the First Home Guarantee, eligible buyers can purchase with just a 5% deposit, without paying Lenders Mortgage Insurance (LMI). You may also access grants and stamp duty concessions depending on your state.
These loans are designed to support new buyers with competitive rates and flexible terms. We help you navigate the process, understand your entitlements, and secure the right loan for your needs. Start your journey with expert guidance and unlock the door to your first home today.
Unlock government support to buy your first home with ease and confidence.
Buy with 5% deposit, skip LMI, and access major lenders through government-backed support for eligible first-time buyers.
Receive up to $10,000 for new homes, depending on your state’s rules, property type, and purchase price limits.
Save thousands with reduced or waived stamp duty on eligible first home purchases across most Australian states and territories.
Use voluntary super contributions up to $50,000 to grow your deposit faster and withdraw for your first home purchase.
We assess your eligibility, explain scheme benefits, and help complete applications with accuracy, speed, and minimal stress.
Get tailored guidance based on your location - NSW, VIC, QLD, SA, WA, plus updates on changing grant rules and thresholds.
We’ve answered the most common ones to make your journey smoother
Most lenders require a minimum deposit of 5–20% of the property’s value. However, with schemes like the First Home Guarantee, eligible buyers can purchase with as little as 5% deposit without paying Lenders Mortgage Insurance (LMI).
Yes, but options may be limited. Some lenders offer specialist loans for borrowers with lower credit scores, though interest rates may be higher. A mortgage broker can help match you with the right lender.
Typical documents include:
Pre-approval involves submitting your financial details to a lender, who assesses your borrowing capacity. It gives you a clear budget and shows sellers you’re a serious buyer. It’s usually valid for 3–6 months.
Rates vary depending on the lender, loan type (fixed or variable), and your financial profile. As of mid-2025, rates typically range from 5.5% to 6.8%, but comparison is key to finding the best deal.
A mortgage broker offers access to multiple lenders and can tailor options to your needs. Banks offer direct products but may have limited flexibility. Brokers often simplify the process and improve your chances of approval.
Yes, through the First Home Super Saver Scheme (FHSSS). You can withdraw up to $50,000 of voluntary super contributions to use toward your deposit. This can offer tax advantages and boost savings.
Beyond the deposit, expect:
We follow simple steps to secure your first home with expert support from Credit Hub.
We understand your goals, assess your financial position, and explain available schemes, grants, and low-deposit options.
We compare 52+ lenders to find the best first home loan, including options with 5% deposit and no LMI.
We prepare your application, manage paperwork, and guide you through eligibility checks for grants and government support.
We liaise with lenders, conveyancers, and agents to ensure smooth approval and settlement - right through to handing over the keys.
Get expert loan solutions with our 52+ lenders on board.
Estimate repayments, check borrowing power, compare loans, and plan smarter – all with easy tools designed to guide your next move.
Should I buy or rent?
What is the cost involved with buying a property?
How much is my stamp duty?
How much can I borrow?
Now it’s your turn to leap with expert guidance, tailored loan options, and support every step of the way.
Discover client experiences with our trusted loan and finance solutions.
Join our dynamic team at Credit Hub Australia as a Finance/Mortgage Broker in our conveniently located Point Cook office, close to the freeway and train station, with free parking available.
In this role, you will be responsible for providing personalised mortgage solutions to our valued clients and also managing your colleagues by co-ordinating the allocation of files and general day to day running of the broker team. With a focus on delivering exceptional customer service, you will guide clients through the entire mortgage process, from initial application to final approval.
“Position is for Mortgage broker on commission/contract basis.”
Sales, cold calling, and networking come naturally to you. You thrive on engaging with prospective clients to understand their unique financial needs and goals.
You will act on leads and existing database as provided and generate sales and ongoing relations.
Actively participate in team meetings and contribute to the overall success of the business
You are an existing broker with proven experience in Mortgage Broking or lending abilities, or in a similar financial services role looking to take your career further with a successful Mortgage house.
In-depth knowledge of the Australian mortgage market, including products, policies, and regulatory requirements.
Excellent communication and interpersonal skills, with the ability to build lasting relationships and earn client trust.
A strong commitment to delivering outstanding customer service and consistently exceeding client expectations.
Self-motivated and capable of working independently, while also thriving in a collaborative team environment.
Relevant industry qualifications, such as a Certificate IV in Finance and Mortgage Broking.
Ability to manage multiple tasks, stay organized, and work reliably without supervision.
A results-driven mindset with a strong sales focus, coupled with exceptional work ethic, time management, and multitasking abilities.
At Credit Hub Australia, we are committed to providing our team with a supportive and rewarding work environment. Some of the key benefits of joining our team include:
Credit Hub Australia is a leading provider of mortgage and finance solutions, with a strong presence in the Point Cook in the Western Suburb of Melbourne and surrounding areas. Our mission is to empower our clients to achieve their financial goals by delivering personalised, expert advice and exceptional customer service. We are a dynamic and growing team, driven by a passion for helping our clients and making a positive impact on our local community. We are with Finsure as an agrregator Group.
If you’re ready to take the next step in your career as a Mortgage Broker, apply now to join our team at Credit Hub Australia.