First Home Buyers

Yes. A financial planner can help you understand how much you may comfortably afford, build a deposit strategy, assess whether the First Home Super Saver Scheme could form part of your savings plan, and consider how a mortgage will interact with your superannuation, insurance, cash flow and longer-term goals. Financial planning looks at the purchase in the context of your whole financial life, not just the loan itself.

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Yes. Through Amber Wealth Lending, our mortgage broking service, we can help you understand your borrowing capacity, compare available loan options, consider loan structures such as fixed or variable rates and offset accounts, and guide you through the application and settlement process. Because mortgage broking sits within a financial advisory practice, lending advice is given with your broader financial position in view.

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The First Home Super Saver Scheme (FHSS) is a superannuation-based first-home savings scheme. It allows eligible individuals to make voluntary superannuation contributions — including salary sacrifice and personal contributions — and later apply to release those contributions, along with associated earnings, to help purchase a first home. FHSS is not a grant and is separate from the Victorian First Home Owner Grant. Government rules and eligibility requirements can change.

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Through the First Home Super Saver Scheme, eligible individuals may be able to make voluntary contributions to superannuation and later apply to release those contributions and associated earnings to help buy a first home. You cannot simply withdraw your existing super balance to buy a home. FHSS involves making new voluntary contributions within set limits, then following a determination and release process administered by the ATO. Eligibility and rules can change.

The amount you may save through the First Home Super Saver Scheme depends on the voluntary contributions you make, the concessional tax treatment of those contributions within superannuation, and the associated earnings. There are annual and total contribution limits that apply. The exact saving depends on your personal circumstances, tax position, and the contributions you make. Government rules and eligibility requirements can change, and you should seek personal advice before relying on FHSS.

Whether FHSS, cash savings, or a combination of both is the right deposit strategy depends on your circumstances, including your time horizon, tax position, existing super balance, and contribution capacity. FHSS may offer tax advantages for some savers, but it also involves rules around contributions, release, and timing that cash savings do not. A financial planner can help you compare the two approaches in the context of your overall situation.

Related: Plan My First Home

Yes. Working out how much you can comfortably afford is different from working out how much you can borrow. A financial planner can help you model your cash flow after purchase, consider the impact of the mortgage on your savings, superannuation, insurance and lifestyle, and stress-test your budget against changes in interest rates or living costs. This helps you understand a purchase price range that fits your broader financial goals, not just what a lender will approve.

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First home buyers in Victoria may be eligible for a range of assistance, including the First Home Super Saver Scheme (a superannuation-based savings scheme), the Victorian First Home Owner Grant, and land transfer duty concessions or exemptions. Eligibility for each depends on factors such as property value, whether the property is new or established, prior property ownership, occupancy requirements, and citizenship or residency. Not every buyer qualifies for every form of assistance, and rules can change.

Eligible first home buyers in Victoria may be entitled to land transfer duty (stamp duty) concessions or exemptions, depending on the property value and other eligibility criteria. Whether you receive a full exemption, a partial concession, or no concession depends on your individual circumstances and the property purchase price. Rules and thresholds can change, so you should confirm current eligibility requirements before relying on any concession.

Yes. Amber Wealth provides financial planning advice, and through Amber Wealth Lending, mortgage broking services. Because both sit within the same practice, your deposit strategy, borrowing capacity, loan structure, and post-purchase financial plan can be considered together rather than split across separate providers. This integrated approach is particularly useful for first home buyers, where the mortgage decision affects superannuation, cash flow, insurance and future goals.

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Amber Wealth is based in Brighton and works with first home buyers across Melbourne's South Eastern suburbs, including Brighton, Hampton, Sandringham, Bentleigh, Caulfield, Carnegie, Oakleigh, Chadstone, Clayton, Mount Waverley, Glen Waverley, Malvern, Cheltenham, Mentone, Mordialloc, Berwick, Narre Warren, Dandenong, Keysborough and surrounding areas. Consultations are available in person at our Brighton or Melbourne CBD offices, or by video for clients across greater Melbourne.

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