量身定制的首次购房贷款方案
Buying your first home is a significant milestone and a dream come true. Our brokers ensure no financial constraints stand between you and your dream home. At Original Wealth, our vast network of 40 bank and non-bank lenders secures your access to hundreds of mortgage products. This means you will be sure to find a first home loan product that best aligns with your financial situation and goals. With our best mortgage brokers by your side, you make wise investment decisions that fulfill your present needs without overburdening your future finances.
对于首次购房者，您可能有资格申请多项政府支持政策，如首次购房者补助金（First Home Owner Grant，FHOG）及印花税减免，这些都可能为您节省数千澳元。选择我们作为您的首次购房贷款经纪，我们将确保您不遗漏任何符合条件的补贴与优惠，并助您顺利踏上购房之路。我们深知当前房贷市场利率浮动、贷款条件复杂、产品多样，初次接触常令人感到困惑。但有我们在侧，您无需担心 —— Original Wealth 的首次购房贷款专家将全程陪伴、逐步指导，让整个流程清晰明了、毫无压力。
与 Original Wealth 合作，助您锁定更具竞争力的利率与优质贷款条款，安心迈出置业第一步。
屡获殊荣的专业团队，成绩有目共睹
2024
Top 100 Brokers
2024-2025
Elite Broker
2023-2024
Highest Number of Loans Settled
2023-2024
Highest Dollar Volume
2024
MQG Diamond Club
2024
Top Brokerage MPA Australia
2023
MPA Top 100 Brokers in Australia
2021
MPA Top 100 Brokers in Australia
2019-2020
Franchise of the Year (VIC)
2019-2020
Managing Director's Rising Star Award
2023
Choice Platinum Achiever
2020-2021
Franchise of the Year (VIC/TAS)
2020-2021
National Mortgage Broker of the Year
2022
Choice Platinum Achiever
我们的优势
丰富经验，值得信赖
我们拥有超过 10 年的行业经验，能够在购房的每一个环节为您提供专业指导，助您做出更明智、更稳健的财务决策。
量身定制的购房贷款方案
作为您值得信赖的首次购房贷款经纪，我们将根据您的目标、偏好及财务状况量身打造最适合您的贷款方案。
服务全程免费
在整个贷款流程中，您都能享受到我们的专业建议与贴心服务，无需支付任何额外费用 —— 我们的收入来自贷款机构支付的佣金。
流程高效，购房更快一步
我们精简并优化贷款产品筛选、申请及审批流程，确保您更快拿到贷款，早日入住梦想中的第一套房。
Benefits of Working with a First Home Buyer Mortgage Broker
Buying your first home brings in lots of excitement. It is also an overwhelming experience, as homeownership is rarely a straightforward process.
From understanding the loan structure to managing approval uncertainties, one has to deal with numerous issues throughout the process. At Original Wealth, we are among the trusted mortgage brokers for first home buyers, offering professional guidance to avail the best loan product.
Partnering with us ensures you have a learned team that identifies hurdles in your application early and addresses them so you do not have to figure out everything on your own. We assist with:
- Analysing turnaround times of lenders and steering your application towards quicker processing ones.
- Matching your financial profile with lenders, whose policies match your income and employment format.
- Making your file such that no further questioning is required during assessment.
- Timing pricing requests strategically so that changes of rates won’t affect your final approval.
- Coordinating settlement dates with agents, conveyancers & lenders.
With our assistance, you’ll notice there are fewer interruptions. It allows you to focus on the decisions that matter, while the application process, lender coordination, and timelines are handled by capable hands.
First Home Buyer Grants in Melbourne
Buying your first home often brings added financial pressure, particularly during the early stages when upfront costs begin to build. In Victoria, the Government supports first home buyers so as to ease this burden. In this scheme, a one-off grant is payable to first home owners when they satisfy the requite eligibility criterion. There are several concessions too.
At Original Wealth, we help you understand these options clearly so you do not miss out on benefits that may apply to your situation. Our experiences enable us to look beyond the surface-level information and dive deeper to find out which one of the grants and concessions will bring you the maximum benefits. Our team assists with:
- Assessing your eligibility across both state and federal schemes
- Identifying how purchase timing or construction stages may influence the benefits available to you
- Aligning your application with current thresholds, including property value limits and income criteria
- Guiding you through documentation requirements
- Coordinating grant applications alongside your home loan process
With the right approach, these concessions can reduce the financial pressure that often comes with buying your first home. Our team ensures you access the support available to you while keeping the entire process organised and well-managed from start to finish.
计算并做出明智的财务决策
合作贷款机构
常见 问题解答
我们的首次购房贷款经纪是专业的金融顾问，作为您与贷款机构之间的桥梁，帮助双方达成对您最有利的贷款协议。 我们提供全面服务支持，包括：
- 市场调研与多种贷款产品对比
- 推荐适合您财务状况的贷款方案
- 协助准备材料、简化申请流程
- 全程陪伴，确保贷款审批顺利完成
最低首付通常为房价的 5% 起，但具体要求会因贷款机构而异。 您的首付金额将直接影响贷款选择范围 —— 我们的首次购房贷款经纪将根据您的预算筛选合适的贷款产品，确保不会超出您的可承受范围。 此外，还有多项政府支持计划可协助您筹措首付，例如：
- 首次购房者补助金（FHOG）
- 首套房贷款首付计划（First Home Loan Deposit Scheme）
可以。我们的首次购房贷款经纪将协助您申请所有可用的政府补助与激励计划，确保您不错过任何可节省购房成本的机会。 目前有多项政府支持项目可帮助首次置业者实现购房梦想，我们对此非常熟悉。 在 Original Wealth 的协助下，您将有更大机会获得补助金、印花税减免及首付支持，大大降低购房门槛。
相比直接找银行，与首次购房贷款经纪人合作有哪些优势？ 与我们合作，您将享受远超银行的贷款选择和服务体验：
- 银行只能提供自家有限的贷款产品；而我们可为您提供来自银行与非银行机构的上百种选择
- 我们不仅推荐产品，更为您代办贷款前期筛选、利率对比、申请准备、审批流程及后期复审
- 我们全程为您节省时间与精力，让您专注选择适合自己的方案，而不必应对繁琐流程
- 无论是首次贷款还是未来的转贷，我们都将陪伴整个贷款周期，持续提供支持
当然可以。我们拥有丰富的实操经验，能够有效加快贷款申请与审批流程，助您更快实现置业目标。 我们的团队在操作流程上高效熟练，会协助您：
- 准备齐全所需材料
- 审核文件，确保符合贷款机构的所有要求
- 提交高成功率、无疏漏的申请，避免任何不必要的延误
虽然这不是强制性的要求，但在看房前获得贷款预批准是一个明智的选择。 贷款预批准可以帮助您：
- 明确自身的可贷款额度
- 更有针对性地寻找符合预算范围的房产
- 大大节省看房时间与精力，避免盲目出价或错过合适机会
通常，您需要准备以下基础文件：
- 收入证明（如工资单或报税单）
- 银行账单（近期账户流水）
- 身份证明（如护照、驾照等）
- 现有债务与支出明细（如信用卡、车贷等）
可以，您完全可以对首次购房贷款进行转贷，Original Wealth 的专业团队也可以为您提供全面协助。如果您觉得当前的利率已不具竞争力，想要整合债务或争取更优惠的贷款条款，转贷可能是一个非常值得考虑的选择。欢迎与我们联系，我们将为您进行房贷健康检查，全面评估您的财务状况和贷款结构，判断转贷是否适合您的当前需求与长期目标。
申请房贷时，您通常可以在固定利率和浮动利率两种类型之间进行选择：
- 固定利率：贷款期间的利率不变，您每月还款金额保持一致。
- 浮动利率：利率会根据市场情况波动，月供金额也可能随之调整。
我们的首次购房贷款经纪将详细为您讲解这两种利率类型的利弊，帮助您根据自身财务目标做出明智选择。
墨尔本的首次购房者可享受印花税减免或豁免政策，具体如下：
- 购房价格在 60 万澳元及以下：可完全免除印花税
- 购房价格在 60 万至 75 万澳元之间：可享受部分减免
- 购房价格 高于 75 万澳元：不再享有任何印花税优惠
此外，想要享受此优惠，购房者还需满足一定的资格条件，例如：
- 必须是澳大利亚公民或永久居民
- 购买的是首次拥有、全新或未曾转售的住宅
- 购房后需在一定时间内作为主要自住房使用
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