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“Helping First Home Buyers to create wealth through property home loans over a Decade”
First Home Buyer Loan with 5% Deposit – VOXFIN Australia (2025)
Secure your first home loan with just a 5% deposit or a low deposit. VOXFIN helps first home buyers in Melbourne, Sydney, Brisbane & more. Get expert mortgage help today!
Buying your first home is a massive milestone—exciting but often overwhelming, especially if you’re working with a low deposit. The good news? With the right guidance and strategic approach, securing a first-home buyer’s loan is absolutely achievable.
As a leading First Home Buyers Loan Broker in Melbourne, Expert First Home Buyers Mortgage Brokers at VOXFIN specialises in helping first-time buyers qualify for home loans with as little as a 5% deposit—and in some cases, even lower through government-backed schemes, for those who do not qualify for the 5% deposit scheme. There are solutions for you with low deposits as well.
This article will walk you through expert tips for low-deposit home loans in 2025 and explain why VOXFIN is trusted as the best first home buyers mortgage broker in Melbourne, Sydney, Brisbane, Adelaide, Canberra, Hobart, Perth and other parts of regional Australia. We are serving Australia-wide.
We aim to help Australians create wealth by bringing the right financial knowledge to them.
What is a Low-Deposit First Home Buyers Loan?
A low-deposit home loan typically means you can borrow up to 95% of a property’s value, needing only a 5% deposit. However, lenders may apply stricter conditions such as:
- Lenders Mortgage Insurance (LMI): It could be included in borrowing up to 95%. Some lenders may allow LMI on top of 95% borrowing. In both situations, interest rates tend to be relatively high.
- Stronger credit and income checks
- Tighter property type restrictions
That’s where VOXFIN steps in—with smart loan structuring, lowest interest rate home loans, lender matching, and government scheme access, we’ve helped hundreds of Australians turn a small deposit into a smart property purchase.
VOXFIN’s Top Tips to Secure a First Home Loan with Low Deposit
- Use Government Support Schemes
Australia offers several schemes for first-home buyers, such as:
- First Home Guarantee (FHBG): Buy with just a 5% deposit and no LMI (if eligible). If you are eligible for this scheme, then you do not need to pay LMI.
- First Home Owner Grant (FHOG): Up to $10,000+ in financial assistance
- Stamp Duty Concessions in most states
VOXFIN brokers help you navigate these schemes, so you don’t leave free money on the table. For more information, reach out to us at 03 70652000 | https://voxfin.com.au/contact-us and click the link below to read more about the First Home Guarantee Scheme in Australia.
https://voxfin.com.au/first-home-guarantee-scheme-and-first-home-grants
- Improve Your Credit Score
Even with a low deposit, a clean credit history can unlock better deals. VOXFIN helps you:
- Understand your credit report
- Fix errors or inconsistencies
- Develop strategies to improve your score before applying
- Be advised that every time you either call banks or lenders directly or raise an inquiry for home loans, your credit score is reduced. If your credit score is low, meaning less than 650, most banks cannot lend you loans.
- Prove Genuine Savings
Lenders often want to see that your deposit has been saved for over 3+ months. However, VOXFIN has access to lenders who accept:
- Gifted deposits
- First Home Super Saver Scheme funds
- Rental history as evidence of saving behaviour
- Speak to a Specialist First Home Buyers Mortgage Loan Broker in Melbourne
Melbourne’s property market moves fast—and local expertise matters. We at VOXFIN, mortgage loan broker in Melbourne can:
- Access 40+ bank and non-bank lenders
- Get you pre-approved faster
- Match your situation with the right lender (especially with less than 20% deposit)
- Negotiate better interest rates on your behalf to get the lowest interest rate for you
- Minimise Your Debts Before Applying
Before applying, reduce or clear:
- Credit card limits
- Buy-now-pay-later accounts (Afterpay, Zip)
- Personal loans
This improves your borrowing capacity—and VOXFIN provides a free pre-assessment to show how much you can borrow and where you can improve.
How VOXFIN Helps First Home Buyers Across Australia
VOXFIN isn’t just a Mortgage Loan Broker in Melbourne—we’re known for tailored, honest, and expert home loan guidance Australia-wide:
Best First Home Buyers Mortgage Broker in Sydney
VOXFIN helps first-time buyers navigate Sydney’s competitive market with pre-approvals, grant assistance, and lender negotiations that make a difference.
Best First Home Buyers Mortgage Broker in Brisbane
For buyers in Brisbane, we assist with low-deposit options, construction loans, and lender policies suited to Queensland’s growing suburbs.
Best First Home Buyers Mortgage Broker in Adelaide
VOXFIN brokers understand the unique property dynamics in SA, securing loans for regional buyers and those with non-traditional employment.
Best First Home Buyers Mortgage Broker in Canberra
Navigating ACT income structures? We specialise in loans for government workers, couples on shared incomes, and first-home schemes in the capital.
Best First Home Buyers Mortgage Broker in Perth
With WA’s varied lending landscape, VOXFIN supports FIFO workers, regional buyers, and anyone looking to buy their first home with a smaller deposit.
Common Questions Answered
Q: Can I buy a home with no deposit at all?
You might qualify for guarantor loans or First Home Guarantee loans—VOXFIN’s specialist first home buyers mortgage brokers will assess your eligibility and walk you through both options.
Q: Is Lenders Mortgage Insurance (LMI) always required with low deposits?
Not always. Eligible buyers under the First Home Guarantee can skip LMI even with a 5% deposit.
Q: How long does it take to get a home loan approved?
VOXFIN can get pre-approval in as little as 48 hours and full approval within 5–10 business days, depending on the lender.
Secure Your First Home with VOXFIN
With VOXFIN, you’re not just another loan application. You get:
- Personalised home loan strategy
- 5-star rated service and transparency
- A broker who fights for your goals
- Access to exclusive low-deposit products
- End-to-end support from enquiry to settlement and further support for lifelong wealth creation
Ready to Buy Your First Home?
Whether you’re looking for:
- Best First Home Buyers Loan Mortgage Brokers in Melbourne
- Best First Home Buyers Loan Mortgage Brokers in Sydney
- Best First Home Buyers Loan Mortgage Brokers in Brisbane
- Best First Home Buyers Loan Mortgage Brokers in Adelaide
- Best First Home Buyers Loan Mortgage Brokers in Canberra
- Best First Home Buyers Loan Mortgage Brokers in Perth
You have landed in the right place: VOXFIN is your trusted partner for low-deposit home loans success in 2025.
Also, read the article “How to get a home loan with a 5% deposit in Australia”
📍 Serving: Melbourne | Sydney | Canberra | Brisbane | Perth | Adeliade | Hobart | Australia-wide
📞 Phone: [03 70652000]
🌐 Visit: https://voxfin.com.au/first-home-buyers-loan
💬 Book your FREE consultation now | https://voxfin.com.au/contact-us
Disclaimer: The above article is a general article for sharing information. It must not be considered advice for any individual or entity. You should consider seeking advice from the accountant and a financial advisor for personalised advice.