First Home Buyer Mortgage Broker in Bendigo
We help Bendigo first home buyers work out what they can borrow, which government support they qualify for and which lender suits them best.
Local help with your first home loan
Buying your first home comes with plenty of new decisions and a lot of paperwork. We take care of the loan side so you can focus on finding the right place.
We compare loans from over 40 lenders, work out your real borrowing power and stay with you from pre-approval through to settlement. Our office is in East Bendigo, so you can sit down with us in person or do it all by phone and email.
Government support for first home buyers in Bendigo
Most first home buyers in Bendigo can access at least one of these, and many can combine them.
5% Deposit Scheme
Buy with a 5% deposit and no lenders mortgage insurance. There are no income caps, and the price cap for Bendigo and regional Victoria is $650,000.
Stamp duty exemption
First home buyers in Victoria pay no stamp duty on homes up to $600,000, and reduced stamp duty between $600,000 and $750,000.
First Home Owner Grant
A $10,000 grant towards a new home valued up to $750,000.
On a $550,000 home, a 5% deposit is $27,500. A standard 20% deposit would be $110,000.
Eligibility rules apply and the caps change from time to time. We’ll check exactly what you qualify for at your first appointment.
How we help you buy your first home
STEP 1
A free first chat
We talk about your income, savings and plans, then explain what you can borrow and what support you’re eligible for.
STEP 2
Pre-approval
We find a lender that fits and get you pre-approved, so you can make offers with confidence.
STEP 3
Through to settlement
Once you’ve found a home, we handle the formal approval and keep you, your conveyancer and the agent up to date until you get the keys.
And after you move in, we review your loan regularly to make sure the rate still stacks up.
Free guide: 9 steps to secure your first home
Our step-by-step guide covers saving a deposit, getting pre-approved and what happens at settlement.
First home buyer questions
How much deposit do I need to buy my first home in Bendigo?
With the 5% Deposit Scheme, you can buy with as little as 5% of the purchase price, as long as the home is under the $650,000 regional cap. You’ll also need some savings for costs like conveyancing and building and pest inspections.
Does it cost anything to use a mortgage broker?
Our service is usually free for first home buyers, as we’re paid by the lender once your loan settles. We’ll tell you upfront if any fees apply.
Can I use the 5% Deposit Scheme and the stamp duty exemption together?
Yes, if you’re eligible for both. Many Bendigo buyers also add the First Home Owner Grant when buying or building a new home.
I’m self-employed or on casual income. Can I still buy?
Yes. Some lenders are more flexible than others with these incomes, and finding the right one is a big part of what we do.
How long does pre-approval take?
It varies by lender, and usually takes a few days to two weeks once we have your documents.
Talk to a Bendigo mortgage broker
Call us on 0417 151 999 or message us using the form. We’ll get back to you as soon as we can.
Robinson Finance, 68 Powells Ave, East Bendigo VIC 3550, [email protected]
This information is general in nature and doesn’t take into account your objectives, financial situation or needs. Eligibility criteria, terms and conditions, fees and charges apply. Scheme details and price caps are current as at October 2026 and may change.
Shane Robinson (Credit Representative Number 540354) and CSBC Finance Pty Ltd ABN 87 638 582 896 (Credit Representative Number 540349) are credit representatives of Purple Circle Financial Services Pty Ltd ABN 21 611 305 170 Australian Credit Licence Number 486112.