Most couples who come to me are renting, both working, and have been told they're years away from buying. Usually they aren't.
What they're missing isn't income. It's a straight answer to three questions: which scheme do we qualify for, what will a bank actually lend us on two incomes, and how much do we really need saved?
That's my job.
I'm a mortgage broker based in Yarraville, working with first home buyers across Melbourne's west and north. Most of my clients are couples in their late twenties to forties, paying rent that's already close to what a mortgage repayment would be.
Four things that usually surprise them:
→ You probably don't need a 20% deposit. The 5% deposit scheme means no LMI, and there's no income cap for couples any more.
→ Two incomes often stretch further than the online calculators suggest.
→ In Victoria, stamp duty is $0 on a first home up to $600k.
→ If you've been salary sacrificing, the First Home Super Saver Scheme may already be holding part of your deposit, up to $100k for a couple.
A Tarneit couple I worked with in June got in on a 5% deposit and saved about $18k in LMI. Five weeks from first call to unconditional.
How it works. One 30 minute call to find out where you both actually stand. If the numbers work, I handle the lenders, the paperwork and the scheme applications. Most of it happens over email and text, early or late, around both your jobs.
Free guides and calculators for first home buyers: firsthomemelbourne.com.au
Jacob | 0468 097 364 | [email protected]
Jacob Williams is credit representative number 570865 of Alliance Financial Group Pty Ltd ACN 123 511 848 (Australian Credit Licence 390664).
5.0
29 Reviews
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Jeremy Munro
Jacob was sensational in getting our pre approval done quickly! He was always answered any of questions no matter when we called or emailed
Bailey Battye
WOW! I would give more stars if I could! Absolutely seamless, genuine help every step of the way! I have told everyone who will listen or mentions anything to do with loans and buying/selling. Matt walked through all of our options and showed us the best, most accomodating loan option and how to use and utilise it to our benefit. Extremely encouraging and willing to teach and share all of his knowledge! I honestly could not recommend Jacob and Matt enough!
bethany Laffer
Jacob from Nude Home Loans made what can be such a difficult process and a huge life decision so seamless providing so much knowledge, advice and support throughout the whole process to get you what works best for you. Jacob was so easy to work with and had excellent communication via telephone and email to answer any question along the way or to talk through any concerns. Jacob secured us a great home loan and we are so thankful to the team for all their hard work and dedication to their customers even providing us a congratulations gift. I will be recommending Nude Home Loans to all my friends and family for everything from refinancing to buying your first home.
Colby Greene
I have absolutely had the most amazing experience with Nude Home Loans. They have been so easy to work with and their knowledge, support and guidance has been exceptional! I would strongly recommend Nude Home Loans to anyone looking at home loans! Jacob and Matthew have been totally amazing! I really can't thank them enough! Colby Greene.
Christina Grehan
Jacob is an absolute legend of a broker. He’s there not only to help you get the best deal but to help navigate you through the entire process. Such a kind and genuine guy as well. I would recommend anyone and everyone to get their home loan with him!
Rylan Ellul
Jacob and the team couldnt have been more helpful through out the process, highly recommend !
Areas Serviced
Specialties
First Home Buyers
Low Deposit Home Loans
Government Grants & Schemes
Owner Occupied Loans
Experience
Lender Count: 60
Broker Since: 2021
Captial Cities
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