First Home Buyer Success Stories – Real Clients, Real Results
Buying your first home can feel overwhelming — but with the right guidance, the path becomes clearer, simpler, and far more achievable. At Loan Location, we specialise in helping first home buyers across Melbourne and Victoria secure their first home loan with confidence.
These success stories come directly from real Loan Location clients who shared their experiences through verified Google reviews. Their journeys show what’s possible when you combine personalised advice, the right loan strategy, and a trusted mortgage broker committed to your success.
1️⃣ Jarryd & Melanie – “We thought we’d be renting forever”
Location: Dandenong, VIC
Home Price: $554,000
Deposit Saved: $50,000
“Couldn’t recommend Loan Location enough! Both Tony and Janice were a pleasure to deal with. They made the whole process super clear and explained all the finer details in the most digestible way possible. They provided every option to accommodate us from start to finish. Thank you again Tony and Janice for facilitating this journey and making an initial dream a reality.”
Jarryd and Melanie began their journey thinking home ownership was years away. After reviewing their savings, borrowing power, and eligibility for first home buyer incentives, they were able to confidently purchase their first home in Dandenong — with a structured plan, clarity around repayments, and support at every step.
2️⃣ Emma & Jordan – “We didn’t think this day would come”
Location: Sunbury, VIC
Home Price: $610,000
Deposit Saved: $36,000
“Tony and Janice are absolutely amazing! They helped us feel completely comfortable and confident throughout the entire journey. We have just bought our first house and it’s all thanks to them! Communication was always open and honest, and they spent so much time explaining every detail. If you’re thinking about booking an appointment — just do it!”
From their first appointment to receiving their approval, Emma and Jordan were supported through every requirement, document, and lender conversation. Their Sunbury purchase became possible because they had the right guidance and a clear understanding of their options.
3️⃣ Kat & Michael – “A dream that felt impossible — until now”
Location: Croydon, VIC
Home Price: $890,000 (Land + Build)
Deposit: $60,000
“Janice and Tony made our tricky loan application process far easier than we expected. They were positive, truthful and incredibly diligent from start to finish. No question was too small. I recommend them to everyone.”
Kat and Michael’s land-and-build journey required strategic planning, staged approvals and clear communication. With expert support, they secured a suitable lender, managed build progress, and confidently moved forward with their dream home project.
4️⃣ Nikhil & Merlin – “We never thought we’d qualify, but here we are”
Location: Wollert, VIC
Home Price: $598,000 (Land + Build)
Deposit: $34,000
“Buying our first home was exciting but overwhelming, especially when unexpected issues popped up. Janice guided us step-by-step, explained everything, secured a great interest rate, and even helped chase up third parties when needed. Thanks to her, we felt confident and supported the whole way through. If you want someone who genuinely cares, Janice is the one.”
Nikhil and Merlin’s build required fast responses, grant eligibility checks and strict timelines. With meticulous guidance, they completed every requirement in time and secured their first home with confidence.
5️⃣ Alyssa & Vince – “What felt out of reach is now a reality”
Location: Sunbury, VIC
Home Price: $535,000
Deposit: $30,000
“Janice helped me and my partner feel confident, informed and supported through our whole process. She explained everything clearly — from finances to pre-approval to loan options. As a first home buyer, I am so grateful!”
With personalised guidance and a carefully structured application, Alyssa and Vince were able to purchase in Sunbury without stress, confusion or doubt.
Key Lessons from Real First Home Buyers
- You may not need a 20% deposit — many clients buy with 5% or less.
- Government schemes can fast-track your home ownership by years.
- A mortgage broker can uncover pathways your bank won’t tell you about.
- The best time to start is when you’re prepared — not when the market is “perfect.”
Frequently Asked Questions
How much deposit does a first home buyer need?
Most first home buyers can purchase with as little as 5% deposit, or 2% under the Family Home Guarantee for eligible applicants.
Can I avoid paying LMI as a first home buyer?
Yes — government schemes like the First Home Guarantee and Regional First Home Buyer Guarantee allow eligible buyers to avoid LMI even with a low deposit.
How long does pre-approval take?
With Loan Location, most pre-approvals are issued within 1–5 business days depending on the lender and your documents.
Do first home buyers get stamp duty concessions?
Yes. Each state has its own rules, and Victoria offers generous concessions depending on the purchase price and your eligibility.
Why should I use a mortgage broker instead of going directly to my bank?
A broker compares multiple lenders, negotiate terms, explains your borrowing power and helps you maximise grants and schemes — especially important for first home buyers.
Your First Home Story Could Be Next
These buyers started exactly where you are now — unsure, hopeful and determined. With clear guidance and expert support, your first home could be closer than you think.
Ready to start your first home buyer journey?
Book your free first home buyer chat with the Loan Location team today.