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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


Standard Deposit Requirements

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


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?

Sian Owen
Sian Owen
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
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.
Laura Unicomb
Laura Unicomb
Lochie was fantastic to work with when purchasing our new house and we felt confident that he would manage everything as needed in a competent and professional manner. Thank you!!
Denty Wenty (denty wenty)
Denty Wenty (denty wenty)
Fantastic, helped with all curve balls. Will always go to Louis for my refinancing or loan needs.
Vanessa Snee
Vanessa Snee
It was a seamless process and we were able to get the best product at the time. No question was a silly question and Yellow Brick Road supported us through. Lochlan was helpful and friendly!
Siti Ali
Siti Ali
We had a really amazing and very frutiful experience with YBR. Never regretted one moment of it. Lochlan Reus goes above and beyond with his endless support, humour and patience. He is an asset to the organisation. Highly recommend YBR. Thank you, Lochlan, for all your tireless efforts.
Lana Parfenov
Lana Parfenov
Thank you very much for your help! We are so happy and thankful for the support and positive experience we had with you guys!
Justin Bullock
Justin Bullock
Dealing with Lochie at yellow brick road, mortgage broker was a breath of fresh air!!!! I could not believe how easy it was!!! They found me the best deal / and got me out of a pickle. It was so easy!! They did all the work and I am now financially better off. YBR gets my vote, I would recommend them to anyone, best move I have done.
Laura Azzopardi
Laura Azzopardi
Aleks was really helpful in assisting us with buying our first home. Always looking for the best rates and options for us!
Megan Penn
Megan Penn
Thank you so much YBR for making the whole process of getting a home loan so easy

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.