Should I fix or go variable in 2026?

With the RBA cash rate at 3.85% in early 2026, fixed rates are pricing in market expectations of future movements. Fixed gives certainty; variable offers flexibility with features like offset accounts and extra repayments. Many clients split their loan. We model both scenarios for you.

What's the first home buyer process in Victoria?

In Victoria, first home buyers may be eligible for the First Home Owner Grant ($10,000 for new homes), stamp duty exemptions (properties under $600K), and concessions (up to $750K). The process: get pre-approved, find a property, make an offer, apply for formal approval, and settle. We guide you through every step.

Home Loans - Overview

Looking for the right home loan in Melbourne? FGO Finance Group compares options across a diverse range of lenders - from the major banks through to specialist mortgage providers - to find the best rate, features, and structure for your situation. Whether you're a first home buyer, refinancing, or investing, our service is free and we handle the entire process.

What Is a Home Loan Broker?

A mortgage broker acts as an intermediary between you and lenders. Instead of walking into a single bank and choosing from their products, a broker compares home loan options across dozens of lenders on your behalf - giving you access to the whole market rather than one institution's range.

The key difference between going direct and using a broker comes down to breadth. A bank can only offer their own products. A broker compares rates, features, cashback offers, and credit policies across their entire panel to find the loan that genuinely fits your circumstances. This is especially valuable when your situation is slightly outside the box - self-employed income, multiple properties, or a tight deposit.

For most home loans, brokers are paid a commission by the lender, which means the service is free to you. Your broker also handles the paperwork, manages the application process, negotiates on your behalf, and follows through to settlement.

How FGO Finance Group Helps

We work with a diverse panel of lenders, from major banks to specialist and non-bank lenders. This means we can run a personalised comparison based on your income, deposit, property type, and goals - rather than fitting you into a one-size-fits-all product.

Our service covers the full process: initial assessment and borrowing capacity, lender comparison, application preparation, document collection, valuation coordination, and settlement management. We also conduct ongoing rate reviews for existing clients to ensure your loan stays competitive over time.

"Getting a home loan isn't just about finding the lowest rate today. We take the time to understand where you are now, what you're trying to achieve in the short and long term, and structure your loan accordingly. The right loan for your situation is often different to the one with the headline rate."

Jonathan Chan

Director, FGO Finance Group

What We Offer

First home buyer loans

Refinancing and rate negotiations

Investment property loans

Construction loans

Accessing your Property Equity

Pre-approval services

Who This Is For

First home buyers navigating the market
Homeowners looking to refinance for a better rate
Property investors expanding their portfolio
Self-employed borrowers with non-standard income
Buyers needing pre-approval before auction

The Process

Free Consultation

We understand your goals, income, and borrowing capacity.

Lender Comparison

We compare rates and features across our lender panel.

Pre-Approval

We secure pre-approval so you can bid or make offers with confidence.

Application

We handle the full application, valuations, and document collection.

Settlement

We manage the process through to settlement day.

Frequently Asked Questions

How much can I borrow for a home loan?

Borrowing capacity depends on your income, expenses, existing debts, deposit size, and which lender we use - different lenders assess these factors differently, which is exactly why working with a broker matters. We run a full assessment across our lender panel to find the options that work best for your situation.

How does a mortgage broker save me money?

A broker compares rates and features across multiple lenders - something most people don't have time to do themselves. We negotiate on your behalf, identify fee waivers, and find lenders whose credit policies best match your situation. Our service is free for most home loans as lenders pay us a commission.

What government assistance is available for first home buyers?

First home buyers in Australia may be eligible for a range of government incentives, including the First Home Owner Grant - a monetary grant for eligible buyers purchasing or building a new home - as well as stamp duty exemptions and concessions that can significantly reduce upfront purchase costs. Eligibility criteria and benefit levels vary by state and are updated periodically. We stay across current schemes and identify what you qualify for as part of our initial assessment.

Related Services

Ready to find the right home loan?

Book a free consultation. We'll compare options across our lender panel and help you make the best decision for your situation.

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