We advocate for
We advocate for
Finance, Land, Design and Builders.
We advocate for first home buyers
Quick Enquiry
Free consultation. We’ll come back to you within one business day.
By enquiring you agree to be contacted about your enquiry. We never sell your information.
Quick Enquiry
Free consultation. We’ll come back to you within one business day.
By enquiring you agree to be contacted about your enquiry. We never sell your information.
Free consultation
Independent — we compare developers, builders, mortgage brokers. never push one
Finance, land, design & build in one place
Victorian market specialists
Everything in the right order
Most people tackle these one at a time and in the wrong sequence. We line them up so each decision supports the next.
Finance & grants
- Know your true borrowing capacity
- Claim every grant and concession you qualify for
- Low-deposit and first home buyer options
Land selection
- Slope, soil and easements checked
- Site costs assessed before you commit
- Estate rules and design guidelines reviewed
Builder comparison
- Not tied to any one builder
- Inclusions & allowances compared
- Cheapest price rarely wins
House design
- Floor plans that fit your life
- Matched to your block & budget
- Where to spend, where to save
From Approval To Address
From Approval To Address
Owning could be cheaper than renting
Many buyers assume they need a 20% deposit, or that owning is years away. The numbers often say otherwise.
RENTING
$2,557/month
Average 4-bed rental, Melbourne growth corridor
- Builds your landlord's equity, not yours
- Rent can rise every lease renewal
- No say over renovations or pets
- Rent has risen for four straight years in Victoria
OWNING WITH US
$2,157/month
$600k Melbourne growth-corridor house & land package. Government contributes 40% ($240k), you cover the rest with a 2% deposit — a loan of ~$348k at 6.09% p.a. (current average owner-occupier variable rate)
- Every payment builds your equity
- Rate and repayments locked to your loan
- A place that's actually yours
- No Lenders Mortgage Insurance
Think You Need A Huge Deposit? Think Again
A 20% deposit is not always necessary, and homeownership may be more attainable than expected. The numbers reveal why
20%
The Old Rule
The deposit most people think they need — and spend years saving for.
5%
First Home Guarantee
Buy with a 5% deposit and no LMI, backed by the government.
2%
Help to Buy
A shared-equity scheme that can get eligible buyers in with as little as 2%.
Investing? New builds now hold the advantage
The 2026 tax reforms changed the maths. Established properties lost ground — new builds kept theirs.
Established property
Older stock
Bought on the open market, typically 15+ years old
- Negative gearing limited on properties bought after 12 May 2026
- Minimal depreciation left to claim
- Ongoing repairs eat into your returns
- Stamp duty on the full purchase price
New house & land
Brand new
Built to your specification in a Victorian growth corridor
- New builds remain exempt from the negative gearing changes
- Maximum depreciation deductions available
- Low maintenance, plus builder warranties
- In a two-part contract, duty is often on the land only
Figures are illustrative only and based on a typical scenario — they are not a quote, an offer, or a guarantee. Interest rates, government scheme terms, eligibility and price caps change and depend on your situation. This is general information, not financial, credit or tax advice.
Latest Insights & Expert Advice
Stay informed with the latest trends, tips, and expert guidance on the Victorian property market.
Frequently Asked Questions
What exactly do you do?
At Vic Home Brokers, we’re your trusted property advocates, guiding you from finance to handover.
We simplify the entire property journey by coordinating finance professionals, developers, builders, conveyancers, and estate consultants on your behalf.
Our services include finance guidance, land selection, builder comparison, home design support, conveyancer referrals, and end-to-end project management.
Best of all, our service is completely free. With our local expertise and industry network, we help you save time, reduce stress, and make informed decisions every step of the way.
Are you a mortgage broker?
Why should I work with builder brokers Instead of going directly to a builder or estate?
- The location
- The land
- The builder
- The contract
- The inclusions
- Future resale potential
- Government incentives
- Available grants
- Overall value for money
Do you charge a fee for your service?
Our initial consultations are free. We’re generally paid through referral arrangements with the industry partners we work alongside – so our service is often at no direct cost to you. We’ll always tell you upfront how we’re paid on your particular arrangement.
Because we’re not owned by or tied to any single builder, we compare a range of builders and will tell you plainly when one doesn’t stack up for your block or your budget.
Can you help me find a block of land?
Yes. We have exclusive access to off-market lots and land releases across Victoria through our extensive developer network.
Do you work with investors as well as home buyers?
Yes. We work with first home buyers, buyers moving to their next home, and property investors.
The journey is largely the same — finance, land, design, builder – but the strategy differs. Investors focus on rental returns, depreciation and long-term growth, while first home buyers focus on grants, low-deposit options and a home that suits their life.
I already own a home. Can you still help?
Absolutely. You won’t be eligible for first home buyer grants, but everything else applies equity in your current property, that can often fund the deposit on your next build or an investment.
Let's get it right, the very first time.
Let's get it right, the very first time.
Whether you’re saving your deposit, ready to build, or planning an investment — start with a free, no-obligation conversation.