Stepping into the property market for the first time is a huge milestone. But it also comes with a lot of questions, new terms, and paperwork that can leave you feeling confused before you’ve even found a house.
At Kaushal Lending, we specialise in supporting first home buyers across Melbourne and Australia-wide. From understanding your budget to securing the right loan, we simplify every step—so you feel confident, supported, and ready to move forward.
What We Do for First Home Buyers
We’re not just here to “get you a loan”—we’re here to guide you through one of the biggest financial decisions of your life. We take the time to walk you through the process, explain your options clearly, and make sure you’re not missing out on grants, concessions, or better deals.
Here’s how we help:
Support you through every step : From paperwork and lender submissions to approvals and settlement—we keep it calm, clear, and pressure-free.
We’re based in Melbourne, so we understand the local market—from new estates in Tarneit and Officer to apartments in Brunswick or Richmond. But we also work with first home buyers across Victoria and interstate.
We’ll help you:
Understand postcode lending restrictions (some banks limit where you can buy!)
Compare lender policies for different property types (apartment vs house and land)
Ensure you’re not overpaying on LMI, interest rates, or hidden fees
No two financial journeys are the same, and we don’t believe in one-size-fits-all advice. Whether you’re buying your first home, building something new, refinancing to cut costs, or navigating a self-employed income, Kaushal Lending is here to make it simpler. As a trusted mortgage broker in Melbourne, we’ll guide you through real lending options—tailored to where you are now and where you want to go next.
Let’s be real—buying your first home can feel like a mess of numbers, banks, and confusing advice. We break it all down for you: how much you can borrow, what deposit you actually need, and what grants you’re eligible for (like the FHOG in Victoria). We’re a local mortgage broker in Melbourne, and we’ll be with you from that first “can I do this?” moment right through to getting the keys. Simple, honest help. That’s how we work.
Interest rates change. Life changes. Your loan should too. Whether you want to refinance to lower your monthly repayments, roll in some credit card debt, or access equity to renovate—this is where we shine. We do the legwork, compare better lenders, and make the switch smooth. It’s your money. We help you make more of it.
Construction finance isn’t like a normal home loan—it works in stages, and there’s a lot of timing involved. We help you line everything up so your loan keeps pace with the build, not the other way around. Whether it’s your dream home or your next investment, we’ll structure your construction loan to keep things running smoothly (and without surprise headaches).
Being self-employed or running multiple properties shouldn’t make finance harder—but banks don’t always agree. We work with lenders who get it. Whether your income is seasonal, split across entities, or just not super “bank-friendly,” we’ll help you find a home loan that works with your reality. From self-employed loans to smart solutions for property investors, we know the way through.
Let's talk about what you can borrow, how to structure it, and what makes sense for your goals. No jargon, no fluff—just the info you need.
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