First home buyers guide
Buying Your First Home in Melbourne: A Practical Guide
From a realistic budget to settlement, here are the finance conversations worth having early.
Offset Mortgage · Plain-English mortgage information
Know your position
Review your income, expenses, debts, deposit and likely purchase costs before you focus on listings.
Consider pre-approval
Conditional pre-approval may clarify a working budget, but it is not final approval and can expire.
Prepare for the application
Keep identification, income evidence, account statements and deposit records organised. Ask for legal advice on the contract before committing.
