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First Home Buyers

Home Loans for First Home Buyers

Buy Your First Home with Confidence

Are you looking to buy your first home? Marc Cam Home Loans specialises in helping first home buyers in Melbourne secure a home loan that suits their needs while providing tailored advice and coaching them through the process.

Find the Right Loan for Your First Home

Buying your first home is no small feat; it’s something to be incredibly proud of. While it’s an exciting endeavour, it can be daunting.

Having a large debt for a long time may seem incredibly scary, but your mortgage doesn’t have to be a life sentence.

With a network of over 30 premium lenders, we’re specialists in helping first home buyers find a home loan that suits their needs now and into the future.

But we don’t stop there. We make sure you always get the best deal by routinely refinancing your mortgage so you can rest assured you have the best rate, terms and conditions.

Your Guide to the Lending Process

Navigating the home loan process for the first time can be overwhelming. Should your home loan be on a fixed or variable interest rate or a combination of both? Is it best to pay interest only or interest and principal? Do you need to include other features, such as redraw facilities or offset accounts?

At Marc Cam Home Loans, Melbourne, we alleviate the stress by navigating the mortgage maze for you. Dealing with solicitors, conveyancers, banks and real estate agents during your home loan journey is often challenging, but we’re with you each step of the way, from pre-approval to settlement and beyond.

Know Your Borrowing Power

Are you looking to buy your first property but unsure whether you qualify for a home loan? We provide a thorough initial consultation FREE OF CHARGE to assess how much you can afford to borrow, what your monthly repayments would be and which lenders are a good fit for you.

At Marc Cam Home Loans, we believe that how much you CAN borrow isn’t necessarily how much you SHOULD borrow.

We guide you through the process every step of the way to ensure your first home remains affordable into the future.

Tailored mortgage advice for you

Beyond your deposit and mortgage, you also have to consider costs such as:
  • Stamp duty
  • Lender’s Mortgage Insure (LMI)
  • Legal Fees
  • Loan application/ establishment fee costs
  • Insurance premiums
  • Bank valuation fees
  • Building inspection costs
We take the time to listen to your needs and understand your unique circumstances. This allows us to provide tailored mortgage advice and give you a clear picture of your borrowing power that considers all the additional costs and fees so your first home loan is stress-free and secure. Try our renting vs buying calculator to see if you might be ready to stop renting and buy your first home!

First Home Buyer Incentives

Explore what grants, exemptions and concessions may be available to you as a first home
buyer in Victoria with our stamp duty and grant calculator!


There is a range of state grants available to first home buyers in Victoria, including:

  • HomeBuilder Grant Victoria
  • $10,000 First Home Owner Grant for buying an established property
  • $20,000 First Home Owner

Grant for building or buying a new property


As a first home buyer, you may be able to access state and federal guarantee schemes and apply for exemptions on stamp duty or LMI depending on your circumstances.

  • First Home Buyer duty exemption
  • First Home Guarantee
  • Regional First Home Guarantee
  • The Family Home Guarantee


If you’re a first home buyer in Victoria, you may be able to access additional concessions and schemes such as:

  • First Home Super Saver scheme
  • First Home Buyer duty concessions
  • First Home Owner with Family concessions
  • Off-the-plan concessions
  • Victoria Homebuyer Fund