Home Loans
Whether you are buying your first home, refinancing or investing, we can help you with expert advice throughout the whole process.
First Home Loan Deposit Scheme
The Government's First Home Loan Deposit Scheme (FHLDS) allows first-time buyers to put down a deposit as little as 5% into their first home without having to pay lender's mortgage insurance. New Scheme places are released at the start of each financial year, with the latest release on 1 July 2020.
For more info on eligibility requirements – please click button below.
• FHLDS Information Guide)
• FHLDS Fact Sheet
Home Builder Scheme
HomeBuilder will provide eligible owner-occupiers (including first home buyers) with a grant of $25,000 to build a new home or substantially renovate an existing home where the contract is signed between 4 June 2020 and 31 December 2020. Construction must commence within three months of the contract date. HomeBuilder will complement existing State and Territory first home owner grant programs, stamp duty concessions and other grant schemes, as well as the Commonwealth’s First Home Loan Deposit Scheme and First Home Super Saver Scheme.
For more info on eligibility requirements – please click button below.
• Home builder Fact Sheets • Home Builder Frequently asked questions
First Home Owner Grant - Victoria
A $10,000 First Home Owner Grant (FHOG) is available when you buy or build your first new home. The FHOG is $20,000 for new homes built in regional Victoria, for contracts signed from 1 July 2017 to 30 June 2021.
(Read information about FHOG amounts available before 1 July 2013.) Your first home can be a house, townhouse, apartment, unit or similar but it must be valued at $750,000 or less, be the first sale of the property as residential premises and the home must be less than five years old. It cannot be an investment property or a holiday house.
For more info on eligibility requirements – please click button below.
First Home Loan Super Saver Scheme
The First home super saver (FHSS) scheme was introduced by the Australian Government in the Federal Budget 2017–18 to reduce pressure on housing affordability. The FHSS scheme allows you to save money for your first home inside your super fund. This will help first home buyers save faster with the concessional tax treatment of superannuation.
You can use this scheme if you are a first home buyer and both of the following apply:
• You either live in the premises you are buying, or intend to as soon as practicable.
• You intend to live in the property for at least six months within the first 12 months you own it, after it is practical to move in.
You can apply to have a maximum of $15,000 of your voluntary contributions from any one financial year included in your eligible contributions to be released under the FHSS scheme, up to a total of $30,000 contributions across all years. You will also receive an amount of earnings that relate to those contributions.
For more info on eligibility requirements – click button below
Buying your first home?
We’ll make it a breeze.
Fast approvals & expert help for any type of mortgage. The home buying process can feel like an endless series of hurdles: save up a deposit, secure a loan, select a property, and start your repayments.
We work as your devoted finance partner and are always on hand to answer questions and put your mind at ease. We've helped thousands of Aussies become homeowners. Now it's your turn.
We enjoy the opportunity to help a first home buyer with their property purchase. It is an exciting but often nerve wracking time for you so it helps to have someone there to bounce ideas off and get guidance from.
First Home Owner Grant
In conjunction with the lender, Craig Financial Services will facilitate the First Home Owner Grant application for you.
Moving House?
Looking to buy?
Fast approvals & expert help for any type of mortgage.
Craig Financial Services can help you be thoroughly prepared to move home by arranging a pre-approval first so you can sell and buy again with confidence.
Put your equity to work.
Years of home ownership might be worth more than you think. When you book your free consultation, our team will assess the portability and flexibility of your home loan, with a view to build the best, most cost-effective home loan package for you. Whether you are refinancing or porting an existing loan to a new property, we’ll be by your side to help get the job done.
So when it’s time to move on to something bigger and better—make Craig Financial Services your first call.
We’ll shop around on your behalf for free.
Get $2,000 to $4000 cash back when you refinance your Home Loan with selected lenders.
T&Cs apply