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Home Loans Melbourne

Whether you're buying your first home, or adding a new home, our UFS brokers can help you find the best home loans in Melbourne.

As a mortgage broker, we are dedicated to helping Australians in Melbourne find the best possible home loan for their needs. From first-time buyers to established homeowners, unicorn financial brokers ensure that every client gets the most value from their investment. 

We take the time to assess your individual financial situation and needs and provide you with tailored advice to help you secure the perfect home loan. With years of experience in mortgage and finance, we are here to help you make your home buying journey a stress-free one!

Home Loans for First Time Home Buyers

For first-time home buyers in Melbourne, Australia, there are a few house loan choices available. One choice is the First Home Owner Grant which is a one-time grant made by the government to assist Australians in purchasing their first property.

Am I eligible for the First Home Owner Grant (FHOG)?

To be eligible for the First Home Owner Grant, you must:

  • be at least 18 years of age
  • be a citizen or permanent resident of Australia
  • have never owned a property in Australia
  • occupy the home as your principal place of residence within 6 months of settlement
  • and other state-specific criteria

The First Home Owner Grant in Victoria

If you are buying or building a new home valued up to $750,000, you may be eligible for a First Home Owner Grant (FHOG) of $10,000 in Victoria*.

If you enter into a contract to buy your first home on or after 1 July 2017, you may be eligible for a one-off duty exemption for a principal place of residence (PPR) valued up to $600,000, or a concession for a PPR with a dutiable value from $600,001 to $750,000.

If you bought your first home under a contract entered into before 1 July 2017 and it is valued at $600,000 or less, regardless of whether it is a new or established property, you may be entitled to a duty reduction of up to 50%.

*Find the latest FHOG information on Victoria's State Revenue Office website, or contact our mortgage brokers.

Refinancing a Home Loan

Refinancing an existing home loan in Melbourne can be a great way to save money and improve your financial situation. Whether you are looking to reduce your interest rate or access equity from the property, refinancing is an option that you should consider.

Your UFS broker will assess your current financial situation and your property, present you with options available to you, and provide tailored advice about the best outcome for your specific circumstances. We have years of experience dealing with Melbourne’s property market, so we know how to get the most value out of your home loan.

If you choose to refinance, our team will make sure that everything runs smoothly and you will be guided at every step. We take pride in being able to offer individualised support throughout the process and answer any questions that you may have along the way. Get in touch today and let us help you find the perfect loan for your needs!

Renovation & Construction Loans

Renovation & Construction Loans are mortgages specifically designed to finance your renovation or construction project. These loans are perfect for homeowners who want to build or rebuild their homes but do not have enough money on hand to cover the costs.

Through the loan they are able to get the funding they require without having to borrow more money or tap into the equity of another asset. To allow homeowners to customise their loans to meet their budgets and financial situations, these loans frequently include lower interest rates and more flexible repayment alternatives.

Buying your next home?

We know the home buying process can be confusing and stressful. That's why our team is here to help you find your perfect house before even applying! We will pre-qualify you for free, and get all of those pesky documents signed so that when it comes time to close on a new place they're already prepared with everything needed--no gaps or unknowns left in between now and then.

We work hard every day making sure people like yourself have access to top quality mortgages at competitive rates while still meeting their specific needs.

Talk to an expert

Still have a lot of questions regarding home loans that's specific to your situation? Book a call with our mortgage experts and tell them your current situation. 
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Partner with melbourne's mortgage brokers to help you find an affordable loan with our streamlined process. We specialize in all types and sizes.
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