First Home Buyers

Your First Step to Home Ownership in Dubbo & Central West NSW

Buying your first home is an exciting milestone, and we specialise in making that dream a reality for new buyers across Dubbo and the wider Central West NSW region. We are your local, trusted experts dedicated to helping you get your First Home Loan with confidence. Our dedicated home loan service is at no cost to you, as we are paid a commission by the lender once your loan settles. Navigating the home loan landscape can be complex, but we simplify the process. As specialist Dubbo Mortgage Brokers, we connect you with hundreds of Home Loan options from a wide panel of banks and lenders, ensuring you find a mortgage solution perfectly tailored to your unique financial situation.

A crucial part of your journey is leveraging available government support. We provide expert guidance on securing the maximum benefit from both the First Home Owner Grants (FHOG) and Stamp Duty Exemptions & Concessions, including checking your eligibility and managing the application process. For first home buyers in New South Wales, we clearly explain how these significant savings can reduce your upfront costs. Our goal is to ensure you understand any First Home Buyer Grants & Incentives available to make your purchase more affordable.

We guide you through the key financial aspects, turning confusing jargon into clear steps. This process involves determining your borrowing power by conducting a thorough assessment of your financial health, including your credit history and bank statements, to establish your maximum loan amount. Getting pre-approved for your First Home Loan also gives you a competitive advantage in the property market, signalling to sellers and agents that you are a serious, verified buyer. We also provide interest rate advice, explaining the difference between fixed and variable rates, and help check your eligibility for Lenders Mortgage Insurance (LMI) Waivers, which can save you thousands of dollars at settlement.

While we are passionate about helping you get your First Home Loan, our expertise extends to all your future property goals, including refinancing, construction loans, and investment loans. Our professional and approachable team is committed to making the application process as simple and stress-free as possible.

Contact Dubbo Mortgage Brokers for a free, no obligation discussion today.

Ready to chat with the team at Dubbo Mortgage Brokers?

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Our Process

1. Initial Appointment
Your journey starts with an obligation-free appointment with one of our brokers. During this meeting, we’ll discuss your goals, address your questions, cover the first Home Owner Grant availability (if applicable), deposit requirements, borrowing capacity, and any other questions or scenarios you might be thinking about.

2. Collecting Your Information
We gather your financial details — including income, assets, liabilities, and supporting documents — to fully assess your borrowing position.

3. Lender Comparison & Recommendation
We search across a wide range of banks and lenders to find the most suitable home loan options for your situation, focusing on the best rates, lowest fees, and the highest approval likelihood.

4. Preparing & Submitting Your Application
Once you’re happy with the chosen loan, we complete, prepare, and submit your application on your behalf.

5. Loan Approval
We manage the process from start to finish and keep you updated. When your approval comes through, we guide you through the next steps.

6. Settlement Coordination
We work with your solicitor, conveyancer, and real estate agent to coordinate settlement and ensure everything runs smoothly from start to finish.

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Our Latest Reviews

James Clark

I had an outstanding experience with Adam, Brad, and Caitlin at Dubbo Mortgage Brokers. They guided me through the refinancing process with expertise, patience, and genuine care. Every step was explained clearly, and they went above and beyond to secure the best outcome for my situation. Their professionalism and friendly approach made what could have been a stressful process feel smooth and straightforward. I’m truly grateful for their support and highly recommend them to anyone looking for expert mortgage advice and exceptional service.

Emily Watson

Adam, Brad and Caitlin were absolutely incredible! As first home buyers, my husband and I had no idea what we were doing. The team made it so easy and really simplified the process. They were all very professional and personable. I could not recommend them enough. I will be returning for future purchases in the years to come. Thank you Adam, Brad and Caitlin ♥️

Lindsay Honeyman

Adam and his team are unreal, bought my first home with the help of this team and the knowledge from them through the process is second to none. Highly recommend

Stephanie Steel

Adam and Brad were absolutely amazing! They went above and beyond to help me and my family buy our first home. Their patience, dedication and kindness were truly exceptional. They listened to all my needs, guided me every step of the way despite the time of day and made my dream into a reality. I am forever grateful for their hard work and professionalism. Highly recommend! ????

Hannah Grace

Adam and the team at Dubbo Mortgage Brokers (Brad and Caitlin) were so easy to work with and everything was easy with these guys looking after us. My partner and I first made contact with Adam back in March and was very patient and ...

Monique McGrath

The service we received from Adam and his team was very informative and helpful. He knew what we wanted and helped us get the best finance deal for our new home. ...

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Frequently Asked Questions

Does Dubbo Mortgage Brokers handle more than just Home Loans?

Absolutely! While Home Loans (First Home Buyer, Refinancing, Construction, and Investment) are core to our service, Dubbo Mortgage Brokers handles much more than just mortgages. We act as a complete finance solution for our clients. We offer in-house access or managed referrals for Car Loans, Personal Loans, Commercial Property Loans, Business Loans, Asset Finance (equipment), and SMSF Loans. We are here to support your full financial picture, not just your mortgage needs.

How do you get paid, and will your service cost me anything?

For residential home loans (First Home Buyer, Refinancing, Construction, and Investment Loans), our service is at no cost to you. We are paid a commission directly by the lender once your loan settles. The home loan product, interest rate, charges, and loan documents you get through us are exactly the same as if you went directly to the lender. There are no hidden costs or extra charges for using a broker. For non-residential finance (Personal, Car, Asset, and Business Loans), we manage these through trusted in-house referral partners, who will fully disclose any fees or commission structures to you upfront before you commit.

How much deposit do I actually need to buy a home?

The ideal deposit is 20% of the property value, as this helps you avoid paying Lenders Mortgage Insurance (LMI). However, many lenders accept smaller deposits, and in some cases (such as certain guarantor loans or government schemes) they lend up to 98% of the property value. We will assess your specific financial situation and help you explore all options, from a low deposit to avoiding LMI altogether.

What about the Government's 5% Deposit Scheme for First Home Buyers?

The First Home Guarantee (FHG) is a vital program that lets eligible buyers purchase with just a 5% deposit and avoid LMI. Crucially, the scheme has removed income caps, meaning your income no longer restricts access. For the Dubbo area, the maximum purchase price limit under this scheme is $800,000. We specialise in checking your eligibility and submitting your application to secure one of these places.

How much can I borrow, and how is my borrowing power calculated?

Your borrowing power is not just based on your income. Lenders use a complex assessment that considers your total income, existing debts (like credit card limits and car loans), living expenses, employment stability, and whether you have dependents. We conduct a detailed, thorough assessment across all our panel lenders to calculate your true borrowing capacity and determine how much you can comfortably afford to repay.

Could you still help me with my finances if I'm not in Dubbo or the Central West?

Yes, absolutely! While we specialise in supporting the Dubbo and Central West NSW community and have local knowledge that benefits clients here, we have clients all over Australia. Our systems are built on a 100% digital platform, allowing us to conduct all consultations virtually (via phone and video calls) and handle electronic applications, so we can effectively service your financial needs from anywhere in Australia.

What about using AI for financial research?

AI is a great research tool, but the answers it provides can vary significantly depending on the service and the data it accesses. It's always best to use these tools as a guide only. Financial decisions, especially those involving large loans, are complex and require verification. We strongly recommend you always talk to either your Bank or Broker to confirm any information you receive and ensure it applies specifically to your personal financial situation and goals.

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