First Buyer Home Loans

Buying your first home should be one of the most exciting times of your life — not the most stressful. At A4 Finance Group, we’re here to remove the confusion and complexity from the finance process, so you can move into your new property faster and with complete confidence. Whether you’re designing your dream home, buying off the plan, or moving into an established property, we’ve got your back every step of the way.

We work with you, not the banks. Our expert brokers help you understand the entire process — from deposit to settlement — without the confusing jargon.

First-Time Home Buying — Simplified

Saving for a deposit, securing the right loan, choosing the right property, and starting repayments can feel overwhelming. That’s where we come in. At A4 Finance Group, we act as your dedicated finance partner — guiding you through every hurdle and making sure all your questions are answered. We’ve helped thousands of Aussies become homeowners — and now, it’s your turn.

Clear Advice. No Jargon.

You’ve got plenty of loan options — we’ll help you understand them all in plain English. From calculating your borrowing power to choosing the best lender and repayment structure for your lifestyle, we ensure you’re making informed, confident decisions. No call centres. No confusion. Just straight-talking finance experts who genuinely care.

Reduced Upfront Costs

There’s more to a mortgage than just the interest rate. From lender fees and stamp duty to legal costs, we guide you through it all. We’ll help you secure the best rates, access available discounts and grants, and avoid unnecessary fees or surprises.

Your Journey to Homeownership

We’ll help you maximise government incentives like:

HomesVic shared equity scheme
Stamp duty concessions
First Home Owner Grant (FHOG)

Our experienced brokers will connect you with the best loan options across our panel of trusted lenders — all with zero hassle.

Ready to Buy Your First Home?

Let’s make it happen — the easy way. Request a Call from one of our friendly brokers and take the first step toward owning your home with confidence.

Our Lenders

Our Awards

At A4 Finance Group, we leverage our strong private banking relationships to craft bespoke lending solutions tailored to your portfolio.

Our Reviews

We take pride in being brokers you can truly rely on — from your first consultation to annual reviews long after settlement. Our personalised service and relationship-driven approach are designed for the long term.

FAQs

What types of home loans do you offer?

At A4 Finance Group, we offer a wide range of home loan options including first home buyer loans, investment property loans, construction loans, low-doc loans, and more. Each solution is tailored to meet your specific financial goals.

Can you arrange bridging finance?

Yes, we can help you secure bridging finance. Whether you’re buying a new property before selling your current one, we’ll guide you through the process and find the right short-term solution to suit your needs.

What is home loan refinancing, and how can it benefit me?

Home loan refinancing involves replacing your current mortgage with a new one, often with better terms. This can help you reduce interest rates, consolidate debt, or access equity for other investments. A4 Finance Group will review your situation and recommend the best refinancing strategy.

How do I find the best mortgage brokers in Melbourne?

Look for brokers with strong lender networks, great client reviews, and personalised service. At A4 Finance Group, our expert brokers are Melbourne-based and focus on tailored solutions with your best interests in mind.

What is a Mortgage Broker?

A mortgage broker acts as an intermediary between you and lenders. They help you compare loan options, handle the application process, and ensure you’re matched with a product that suits your needs and financial circumstances.

What does a Mortgage Broker do?

A mortgage broker evaluates your financial position, compares loan products from a wide panel of lenders, and manages the entire home loan process—from application to settlement. At A4 Finance Group, we simplify the journey and advocate for the best deal on your behalf.