Can a Mortgage Broker Help with Government Grants?

Government grants can be an absolute game changer when you’re buying your first home — but actually finding them, applying for them, and getting them approved? That’s where things get messy.

The good news? You don’t have to figure it all out on your own.

At Nude Home Loans, we help first home buyers across Victoria access thousands in government grants and schemes every year — without the stress.

Here’s how we do it (and how much you could be missing if you go it alone).

🌎 The Main First Home Buyer Grants Available in VIC (2025)

🏡 First Home Owner Grant (FHOG)

• $10,000 one-off payment

• Must be buying a new home (not established)

• Property price must be under $750,000

🧵 Stamp Duty Concession / Exemption

• No stamp duty for homes under $600,000

• Discounted stamp duty up to $750,000

• Can apply to established and new homes

📅 First Home Guarantee

• Buy with 5% deposit, pay no LMI

• Federal scheme (limited spots)

• Income and property price caps apply

🧳 Family Home Guarantee

• For single parents with at least one dependent

• Buy with just 2% deposit, no LMI

• Must live in the home for 12+ months

There are others too — like regional schemes, shared equity programs, and occasional one-off bonuses.

🤝 How Nude Helps You Access These Grants

We:

• Check your eligibility across all grants

• Explain the fine print in plain English

• Prepare and lodge your paperwork as part of your loan

• Coordinate with your lender and the SRO so nothing falls through the cracks

We do this every day — and we’ve seen how often buyers miss out on $10k+ because they didn’t know what they were entitled to.

🏡 Real Example: Olivia & Jay, First Home Buyers in VIC

• Buying a $595k new build in Ballarat

• Had a 6% deposit ($35k)

• Thought they needed more to qualify

We:

• Secured the $10k FHOG

• Got them full stamp duty exemption

• Matched them to the First Home Guarantee (no LMI)

They got into their first home months earlier and saved over $25,000 in costs.

🚀 Why Going Through a Broker Makes Life Easier

Let’s be real — the application forms, eligibility rules, and deadlines are confusing.

Going through a mortgage broker (especially one who’s done this hundreds of times) means:

• No missed deadlines

• No incorrect applications

• No back-and-forth between lender, broker, and government

Just smooth sailing from “we want to buy” to “we got approved.”

✅ Find Out What You’re Eligible For

There’s no catch — just money on the table for first home buyers.

We’ll help you:

• Know exactly what you can claim

• Bundle the right grants with your loan strategy

• Move fast before scheme spots run out

👉 [Book your free grant check with Nude Home Loans]

Don’t miss out on thousands. Let’s get you every dollar you deserve.