First Home Buyer Loans

Call one of our specialists today to discuss how our first home buyer loans can help you achieve your property ownership dreams.
No impact on your credit score

Buying your first home can be very exciting, but also a bit stressful. It is one of the biggest purchases of your life. With interest rate cuts and more predicted to come, now is a great time to give the Australian Lending Centre a call to help make your dream a reality with first home buyer loans.

We are Experienced First Home Buyer Loans Specialists

home owner

We will help you With each step of your journey

With all the buzz around interest rate cuts this year, now is a great time for first home buyers to get into the property market. With house prices in Australia highly volatile right now, you don’t want to miss out on the opportunity of owning your own home. Check out the Government First Home Buyers Grants designed to help with the challenge of getting into your first home, for which you may or may not be eligible.

Our friendly and experienced team are ready to help you every step of the way to make your first home buying experience a great one.

Government First Home Owners' Grants

The Australian Federal Government has a set of incentives to help out first home buyers. For your first purchase of an established home, you will receive a grant of up to $7,000, and for the building or purchase of a newly constructed home, you may be eligible for other grants.

State governments offer different concessions for first home buyers. To see how much you may be eligible to receive, please select from the following states applicable to you:

first home buyer loan
Australian capital territory government First Home Owner Grant
NSW Government First Home Owners Grant
Northern Territory First Home Owner Grant
Queensland Government First Home Owner Grant
South Australian First Home Owner Grant
Tasmanian Government First Home Owners Grant
Victorian Government First Home Owner Grant
Western Australia Government First Home Owner Grant
first-home-owners-loans

2021 Australian Property Market

Last year, there was doom and gloom all over the media when it came to 2021 house prices, with reports that prices would plummet due to the pandemic. Australian home values have fell by just 1.7%. It is important to note that as of November 2020, Melbourne housing values remained around 5.4% below their recent high, and Sydney housing values are still 4.8% below their 2017 peak.

With Australia’s success in preventing the spread of the virus and now with vaccination taking place, along with the RBA’s low cash rate, housing prices are booming again.

Mortgage repayment deferrals played a big part as a temporary hold preventing ongoing mortgage arrears leading to forced sales. People who didn’t want to part with their homes during the economic uncertainty didn’t have to. Low levels of stock on market probably helped to protect house prices values.

Please remember, households in debt will have to pay for the moratorium on mortgage repayments. There will be unpaid interest still accruing on your home loan, and those households who deferred repayments will need to pay this in the future.

Source: Core Logic “Why didn’t the Australian housing market crash?” Eliza Owen (30 Nov 2020)

February 22, 2024
trustpilot logo

Thank you soo much for all your kind help Chloe! You have been amazing to deal with and have simplified the whole process for me. Fabulous customer service 😃

February 22, 2024
google icon

Great assistance & very professional

February 20, 2024
google icon

Pat was so caring and empathic and gave me clear guidance on my best options!

February 19, 2024
trustpilot logo

Pat was very helpful and easy to converse with. Thanks Pat!

February 17, 2024
google icon
Chloe has been amazing very efficient and lovely to deal with. Thank you so much
February 16, 2024
google icon

Pat was absolutely amazing ! Such an incredible help he has shown !

February 15, 2024
trustpilot logo

This morning Pat contacted me to discuss my debts, he was extremely understanding and willing to find a solution to help me in many ways to have a stress free option to consolidate my debts. Pat valued my time and allowed me to be vulnerable and express my financial hardship. Thank you for all your help Pat!

February 14, 2024
trustpilot logo

Very helpful took so much stress off my shoulders, didn’t think I’d be able to get out of the situation I was in. Great service

February 9, 2024
trustpilot logo

Chloe was super friendly and helpful

February 8, 2024
trustpilot logo

I dealt with Pat,
He was very professional and so nice to deal with. He explained everything so well and was amazing. Thanks again Pat

January 30, 2024
trustpilot logo

Pat was fantastic, non-judgmental, answered all my questions clearly. He was friendly and warm, I could tell he actually cares about the people he is doing his best to help. 10 stars for Pat!!!

January 29, 2024
trustpilot logo

Nothing less I would say about the customer service. The guy named PAT was really helpful and accommodating. He is really informative and would help you go through the process with transparency. Great experience and really a wonderful guy.

January 25, 2024
trustpilot logo

He was very helpful and understand too notch employee

January 18, 2024
trustpilot logo

Pat was super helpful, non judgemental, accomodating and compassionate. The exact ingredients of support I needed during this extremely difficult time for me. I am truly grateful to him beyond words.

January 17, 2024
trustpilot logo

Chloe explained everything in detail, professional, compassionate and easy to talk to. She made me feel like a person, positive about everything. She is a great asset to the company.

January 16, 2024
trustpilot logo

Chloe was absolutely amazing and super friendly!! Thank you!

January 15, 2024
google icon

Chloe was very friendly, considerate and understanding. She was also extremely professional and handled my case with great efficiency.

December 20, 2023
trustpilot logo

Was great to talk to would do it again if I had to

December 20, 2023
trustpilot logo

Chloe was amazing! Transparent and honest and made me feel really comfortable through the whole process. For the first time in a long time I don’t feel so helpless.
Thank you again Chloe for your understanding and support!

December 18, 2023
trustpilot logo

Chloe was fantastic to deal with, very professional!!

December 13, 2023
trustpilot logo

Chloe was great! Great service and very friendly. Glad to find a solution

December 13, 2023
trustpilot logo

Chloe was amazing to speak with. So kind and very helpful.

December 7, 2023
trustpilot logo

A big thank you to Emma Jabbour 🙂 for exceptional customer service. Emma wanted to help me get a successful outcome to my enquiry. I look forward to doing business with Emma in the not too distant future. Many thanks, Daniela Marks

December 7, 2023
trustpilot logo

Chloe was brilliant and super helpful

December 6, 2023
trustpilot logo

Chloe was so supportive and understanding and didn’t make me feel stupid for my situation.

December 4, 2023
trustpilot logo

Margarita was a pleasure to speak with, she made the process very easy and advised me everything I need to know and do. Very exceptional customer service :)

December 4, 2023
trustpilot logo

Margarita was a pleasure to speak with, she made the process very easy and advised me everything I need to know and do. Very exceptional customer service :)

November 29, 2023
trustpilot logo

Pat was very easy to talk too. I not big on taking on the phone, but pat made it easy experience. The way he explained everything for me made it easier for me to understand all the information he was giving me.
Thanks Pat.

November 28, 2023
trustpilot logo

Pat was great, knew what he was talking about, very friendly. Couldn’t say a bad word about him.

November 28, 2023
trustpilot logo

Was able to calm me down and feel less embarrassed about my debt.
Very helpful and well spoken, explained everything in detail to me, would highly recommend

November 27, 2023
trustpilot logo

Isabel is a superstar. Very helpful, kind, understanding, empathetic and has that calm soothing voice. If anyone’s freaking out about their debts, Isabel will put you at ease.

She must have read the book ” Never Split the difference ” It’s a good book for persuasion. haha!

“Hakuna Matata – it means no worries for the rest of your debts”

Why stress, when Australian Lending Centre can take care of your stress for you? You’re not alone.

Talk to one of their consultants today.

November 27, 2023
trustpilot logo

Would recommend. Excellent customer service. Willing to help anyone !!

November 24, 2023
trustpilot logo

This year was really hard for me financially as a temporary resident. Living paycheck to paycheck due to being stuck in the payday loan cycle. I saw no way out and was in a perpetual state of pain. Pat was extremely compassionate and understanding, although theres not that can be done in my visa status, Pat went above and beyond to find a solution. I really want to thank Pat for bringing back a smile on my face by shedding light on my situation. Give that man a raise!

November 23, 2023
trustpilot logo

Pat was very help full very go at helping ne each step very easy to talk to he dose a great job

November 23, 2023
trustpilot logo

First time ever hearing or dealing with Australian Lending Centre and I can say, they’re probably the best staff I’ve ever had the pleasure of speaking with, especially my consultant Pat. He wasn’t just friendly but patient, understanding and very honest and that helped me a lot. Not sugar coating anything but allowing me to be honest and he was also honest with his responses clarifying reasons why and also honest with the outcome that was available to me. I initially wanted to get a consolidation debt loan but wasn’t able to due to the criteria of the lenders that I wasn’t eligible for however he offered me another solution that might be available to me, and this really made me happy. That there isn’t just one solution and that I wasn’t going to be turned away just like I had been by various lenders. I am very happy with Pat’s customer service, he was genuine and didn’t judge me with my credit history or circumstances which people in the financial industry do do sometimes but he didn’t. That means a lot.

November 22, 2023
trustpilot logo

It was very easy and I felt relieved that I was able to talk to Margarita who understood exactly what I was g gong through. I was very happy and had exceptional service.

November 22, 2023
trustpilot logo

Very informative and supportive, very easy and polite to talk to 🙂

November 20, 2023
trustpilot logo

I was able to talk and share my struggles without being judged, very understanding and sympathetic towards my situation and wanted nothing more than to help me through this and see me succeed. Would highly recommend them to anyone.

November 18, 2023
google icon

It was great to receive support and understanding from Pat. He helped me work through my situation and provided me with an option that I believe is going to really help me and my family. He has excellent in listening to my needs and responding positively to my requests. Thank you so much Pat for your professional guidance and support today.

November 17, 2023
google icon

Quick call back and very informative with my options and crunched the numbers to give me an overview of my situation and next best step forward. Above all gave me a chance to explain my situation whilst not being judgemental made me feel comfortable that I’m making the right decision.

November 16, 2023
google icon

Was very helpful, and helped me get everything sorted and was a very nice person to deal with.

November 16, 2023
google icon

Pat helped me so much and I can’t believe how much this is helped me! Thank you so much

November 16, 2023
trustpilot logo

Friendly, understanding and informative

November 14, 2023
google icon
Excellent helpful and friendly person (PAT). He explained everything really well so you could understand exactly what happens and how it all works. Great 😃👍.
November 6, 2023
google icon
Friendly, and took the time to help answer all the questions I had. Very patient and understanding.
November 1, 2023
trustpilot logo

Pat was very help and very explanatory of the reasons why a certain product would be helpful for my future

November 1, 2023
trustpilot logo

The mannerism and the way you are treated was excellent couldn’t ask for more then that I had a few options which was great I recommend Australian lending service to Everyone

October 31, 2023
trustpilot logo

Definitely a people’s person. If i had to describe the experience, imagine going to your local doctor, with positive energy, knowing everything is goign to be okay. Furthermore, he is a great listener, but he adds layers of compassion with active listening, rather than, “just doin my job”.

October 30, 2023
trustpilot logo

She was so understanding and amazing

October 24, 2023
trustpilot logo

Chloe was very kind and understanding!
Made me feel very comfortable even though I feel very uncomfortable talking about my financial situation