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Looking to Buy A New Home In Melbourne?

Buying a new home in Melbourne is more than just a financial decision; it’s a step into a new chapter of life. Understanding the intricacies of this process, from the costs involved to determining your borrowing power, is crucial. Our Melbourne Home Loan Services are designed to guide you through each stage with confidence and clarity.

Understanding the Costs of Buying a House in Melbourne

Navigating The Home Deposit For Your Melbourne Home

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Standard Deposit Requirements

In Australia, most lenders require a 10% deposit of the property’s value. However, some may accept as low as 5%.

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Saving Strategies

Our Home Loan Strategies Melbourne service offers advice on saving for your deposit, ensuring you're financially prepared for this significant step.

Shop for Your Melbourne Home with Confidence

Conditional Approval Advantage: With YBR Home Loan’s conditional approval, you gain confidence in your borrowing power. This pre-verification of finances means you can house hunt with assurance.

Speedy Full Approval: Having completed the finance assessment legwork upfront, you can expect a faster transition to full approval once you find your property.

Understanding Your Borrowing Power in Melbourne

Initial Consultation

Before you start house hunting, it’s crucial to understand how much you can borrow. Our team provides you with an estimate, tailored to your financial situation.

Personalised Calculations

Our experts consider your income, expenses, debts, and more to give you a clear picture of your borrowing capacity.

Why Choose The Best Home Loans In Melbourne?

Competitive Rates

We offer some of the best home loan rates in Melbourne, ensuring your mortgage is as affordable as possible.

Flexible Terms

Our range of home loan options includes flexible terms to fit your unique situation and financial goals.

Expert Guidance

Our team of professionals provides expert advice and guidance throughout the home buying process.

What Our Clients Say About Us?

Sarah Gillies
Sarah Gillies
04/04/2024
Lochlan was amazing!!! He was always available and his work ethic is brilliant! He helped us refinance our mortgage and it was simple and effective. Thank you Lochlan! I would definitely recommend him!!!!
Belinda Camp
Belinda Camp
28/03/2024
Louis was friendly and very helpful. He walked us through every step of the process of refinancing our home, finding the best possible solution for our needs and circumstances. He went over and above with the work in securing our loan and even taking the time to send birthday messages. We have been so happy with the service from Louis and the team at YBR. We absolutely and wholeheartedly recommend YBR.
ryan fee
ryan fee
20/03/2024
The boys!!!!! Lochie and Mo If you want your loan done quickly with the best lenders and two of the biggest legends in the game looking after you. Look no further these boys got my loan sorted with little to no effort from me. Couldn’t be happier and look forward to many future loans going through this team Love you work team 🍻🤙
Olga Kovaleva
Olga Kovaleva
12/03/2024
highly recommend.
Demi K
Demi K
01/03/2024
Aleksander and his team are highly professional and well- knowledged, with the empathetic capacity to support me as someone who becomes anxious with financial change. Throughout the process of finding the best bank to meet my needs, Aleksander was patient and had the ability to source information and solutions quickly and intelligently. I had approached other broker teams and none were able to solve my situation. Aleksander’s experience and knowledge allowed him to think and source options quickly. My life has changed exponentially ! I consolidated my debts and mortgage repayments into a manageable loan that has allowed me the space and freedom to save and support my family and our needs.I can not thank Aleks and the team enough for their supporting and empathetic approach that came with expertise. Thank you and I am very grateful to have clicked that button on my social media that day to find a genuine group of people on the other side, who truly helped me out of a stressful financial situation.
Ewrin Cardenas
Ewrin Cardenas
26/02/2024
For sure I will be recommending this service to family and friends. Excellent service.
Bella Shaw
Bella Shaw
25/02/2024
Based on google reviews I chose yellow brick road for buying my first home (1 bdr apartment). On the first meeting Aleks seemed eager and helpful. I wanted there to be flexibility with apartment size/being potentially under 40sqm so the lender was chosen based on that. I lost an auction for a place under 40sqm that Aleks had said was okay with the lender. The next apartment was a private sale and in the midst of organising everything for an offer, Aleks said I had to let the property go as the living area being under 40sqm was unacceptable to the bank and to most banks. Luckily I had an incredible buyers agent who gave me the number of another mortgage broker who swiftly gave me multiple options of other banks and we secured the property in less than 2 weeks. My experience with YBR was extremely disappointing and stressful. Not sure if other clients had better results because they had higher budgets than mine, but I highly recommend going elsewhere especially if you’re looking for a one bedroom apartment.
Amir H
Amir H
09/02/2024
Thank you to Mosti for your outstanding service, you were extremely helpful and knowledgeable!
Sian Owen
Sian Owen
30/01/2024
Robert was very helpful in guiding us through the process of getting finance and purchasing our first home. Answered all questions quickly and reasonably, no matter how silly they might have been! Made the whole process so easy & simple.
Alejandro Zambrano
Alejandro Zambrano
15/01/2024
Rob from YBR Carlton was an absolute pleasure to deal with. Always responsive and kept us informed through-out the process. Made the experience a whole lot easier.

See How We Can Help You Achieve Your Dream Home.

Speak with a home loan expert today





    Frequently Asked Questions

    The first step is to understand your borrowing power and gather all necessary financial documents.

    Yes, some lenders accept a 5% deposit under certain conditions.

    Conditional approval is an early indication from a lender that they're willing to lend you a certain amount, subject to certain conditions.

    Consider the interest rate, loan terms, fees, and flexibility to suit your needs.
    Our Melbourne Home Loan Services provide comparisons of various lenders to find the best rates for you.
    Embarking on the journey of buying a property in Melbourne is an exciting, yet complex, venture. With our Melbourne Home Loan Services, you’re equipped with the knowledge and tools needed to make informed decisions. From understanding the various costs involved to determining your borrowing power, we are here to ensure your home buying experience is seamless and successful. Begin your property journey today with confidence and the support of our dedicated team at YBR Carlton.
    For First home buyers Melbourne offers a dynamic real estate landscape with a myriad of opportunities. Yellow Brick Road Carlton is committed to simplifying the process, offering a comprehensive First Home Buyers Loan service tailored to your needs. Our goal is to transform the complexity of buying a new home into a straightforward, exciting milestone.

    First Home Buyers Melbourne: Starting Your Journey

    The path to homeownership for first home buyers in Melbourne can be both thrilling and daunting. We’re here to demystify the process, providing expert guidance and access to the first home buyers scheme, ensuring you make the most of every available benefit.

    Understanding First Home Buyers Loan Options

    Navigating the First Home Buyers Loan landscape can be complex, but our team specialises in finding loan options that suit your individual circumstances. We align you with home loan offers that provide competitive rates and terms, making your first purchase more affordable.

    The Benefits of Buying a New Home

    Buying a new home is about more than just moving into a new space; it’s about setting the stage for your future. We help you understand the long-term benefits and responsibilities, ensuring that your decision to buy is made with clarity and confidence.

    Maximising Benefits: First Home Buyers Stamp Duty Exemption Melbourne

    In Melbourne, certain concessions, like the first home buyers stamp duty exemption, can make a significant financial difference. We’ll help you navigate these concessions to ensure you’re not missing out on any potential savings as a first-time buyer.

    Exclusive Home Loan Offers for Melbourne Buyers

    At Yellow Brick Road Carlton, we provide exclusive home loan offers to our clients. These offers are designed to give first-time purchasers like you a competitive edge in the Melbourne market.

    Leveraging the First Home Buyers Scheme

    The first home buyers scheme is a government initiative designed to help new buyers enter the market. Our advisors are well-versed in the scheme’s intricacies and will assist you in leveraging it for maximum benefit.
    In conclusion, as a first home buyer in Melbourne, you have access to a range of supportive measures, from the first home buyers scheme to loan products crafted for your success. Our team is dedicated to providing first-time buyers with the best home loan offers and navigating exemptions like the first home buyers stamp duty exemption Melbourne. Start your homeownership journey with the right advice, tools, and support. Contact Yellow Brick Road Carlton today and take the first confident step towards buying your new home.