01·Grant
$10K
First Home Owner Grant
VIC FHOG for new builds under $750K.
Learn more
Strategic first home
buyer loans,
for Melbourne.
- Low-deposit pathways
- First Home Owner Grants
- Guarantor structures
24-48 hour pre-approval response
01 / 04
Bankwest Broker Awards · 2026
Why Melbourne Trusts Us
Award-winning, and
always on your side.
[ 01 ]
Hall of Fame
Bankwest Broker Awards · 2026
[ 03 ]
Your data is secure
Never shared or sold to third parties
[ 04 ]
20+
Years helping
Melbourne first home buyers
[ 05 ]
$0
No cost to you
We are paid by lenders, not by you
Analysis
Does this
sound familiar?
You've been looking at listings for months but no one has given you a real borrowing figure.
You're unsure which grants and schemes you qualify for FHOG, FHGS, VHF, stamp duty relief.
You're worried you'll lose an auction because your pre-approval won't be ready in time.
[ 02 ] Personalised lending
For every
stage of life.
Imagine the possibilities when you have access to the right financing. At Cutter & Co, we specialise in assisting first-time buyers across Melbourne's inner-north and beyond demystifying stamp duty concessions, family pledge options, and guarantor loans, so you know exactly what you can borrow.
Pascoe ValeCoburgBrunswickGlenroyMelbourne CBDEssendonGeelong
Chantal Cutter
Founder & Strategic Director
How We Help
Here's how
Cutter & Co helps.
Three things that change how a first home loan gets built and finalised.
[ 01 ]
A real borrowing figure not a calculator estimate.
In one conversation we give you a precise number, drawn from live lender scenarios not a sliding widget on someone else's website.
[ 02 ]
Every grant and scheme checked.
FHOG, stamp duty concessions, First Home Guarantee, Victorian Homebuyer Fund we stack every incentive you're entitled to.
[ 03 ]
Plain English, paperwork handled.
We explain every clause in language that makes sense, then do the submissions, follow-ups, and signatures on your behalf.
[ 03 ] Strategic options
Four ways in.
Pick the one that fits.
Every first home is different. We blend grants, guarantees, and equity levers so you move in sooner without overpaying.
02·Deposit
5%
No LMI, Low Deposit
Federal + Victorian schemes, LMI waived.
Learn more
03·Leverage
0%
Family Pledge Loans
Buy with zero deposit using family equity.
Learn more
04·Concession
$31K+
Stamp Duty Relief
Exempt under $600K, tapered to $750K.
Learn more
[ 04 ] Roadmap
Your roadmap to
homeownership.
Four deliberate steps designed to move as fast as the Melbourne market.
- Step01
Build your deposit
A structured savings plan FHOG, equity, and Victorian schemes stacked.
- Step02
Find the best loan
37+ lenders compared. We pick structure that fits your life, not the other way round.
- Step03
Rapid pre-approval
Conditional approval in 24-48 hours. Bid with confidence at Melbourne auctions.
- Step04
Settlement & support
From property inspections to the keys we sit beside you to the end.
Bankwest Broker Awards · 2026
Induction · Melbourne
Hall of Fame 2026
[ 05 ] A moment
Melbourne's Broker
Hall of Fame because
your first home deserves
an award-winning team.
“First home buyers aren't just customers they're the decade ahead. We structure every loan like it's the first of many.”
2026
Hall of Fame
80+
5-Star reviews
MFAA
Accredited
Our Partners
Accredited Across 40+
Leading Lenders
“Chantal and her team were professional, friendly, and incredibly helpful in finding the right loan for our first home. Their guidance and communication throughout the process were excellent.”
Laura & Joey S
Verified Client
“The level of service, attention to detail and positive attitude has been consistent every time. If you're looking for a 5-star team that makes you feel like a valued client, look no further.”
Jean C
Verified Client
“Chantal and her team worked tirelessly to find the right loan for our needs. We would highly recommend Cutter & Co to anyone looking for a reliable, professional broker.”
Nat & Damien B
Verified Client
“Truly outstanding. From the moment we made our initial enquiry they worked diligently to find a loan that met our needs their communication was exemplary.”
Measha & Dean A
Verified Client
[ 05 ] Essential answers
Questions first
home buyers
actually ask.
Short, honest answers. Bookmark this page it updates with every Victorian policy shift.
Eligible buyers can receive a $10,000 cash grant for buying or building a brand-new home valued up to $750,000. We handle the paperwork end-to-end.
Get My Free First Home ConsultationReady to stop renting
your landlord's mortgage?
Tell us where you're at. We'll come back within 24 hours with a shortlist of loans, grants, and schemes tailored to your situation Melbourne-only.
- Your data is secure never shared or sold.
- 20+ years helping Melbourne first home buyers.
- No cost to you. We're paid by lenders.
Step 1 of 3
Where are you in your first home journey?
Takes less than 60 seconds. 100% free. No obligation to proceed.