01·Grant
$10K
First Home Owner Grant
VIC FHOG for new builds under $750K.
Learn more
Strategic pathways for
first home buyers
in Melbourne.
- Low-deposit pathways
- First Home Owner Grants
- Guarantor structures
Pre-approval response in 3-5 business days
01 / 04
Team Cutter & Co
20+ Years
Experience
Award-winning
Team
98%
Loan approvals
Tailored
Borrowing solutions
Strategic
Financial advice
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.
[ 01 ] Personalised lending
For every
stage of life.
Imagine the possibilities when you have access to the right finance. 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 current government grants, so you know exactly what you can borrow.
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.
[ 02 ] 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
[ 03 ] Roadmap
Your roadmap to
lending success.
Six deliberate steps engineered around the way you actually live, earn, and plan.
- Step01
First strategy session – 15 minutes
Our team takes the time to understand your current financial position, future goals, and long-term objectives so we can provide the right lending strategy and guidance for you and your family - because the right strategy makes all the difference.
- Step02
Eligibility assessment
We conduct a comprehensive assessment of your financial position, goals, and lending needs to provide tailored recommendations based on current lender policies and market research. By considering your income structure, lending requirements, and available rate discounts, we help match you with the lender and loan solution best suited to your circumstances.
- Step03
Submission to the bank
We take the stress out of the lending process by managing everything on your behalf and working closely with the banks to ensure your application is assessed correctly from the start. Our team advocates for you behind the scenes to achieve the fastest possible pre-approval or formal approval turnaround, allowing you to focus on the exciting next steps with confidence and peace of mind.
- Step04
Pre-approval or approval
Our team has a strong background in credit assessment, giving us the expertise to structure applications strategically and achieve the best possible outcomes for our clients. By working closely with lender credit teams throughout the process, we help secure smooth approvals and faster turnaround times for you.
- Step05
Settlement
We make every stage of the process as seamless and stress-free as possible by providing a clear funding breakdown for your refinance or purchase, so you know exactly where you stand leading into settlement. We also manage the discharge process, coordinate with your solicitor or conveyancer, and handle the communication with the lender - allowing you to relax while we take care of everything behind the scenes until the moment we can say, “Congratulations, your loan has settled.”
- Step06
Ongoing support
You’ll be supported by a mortgage and finance firm built entirely around people, not numbers. Our focus is always client-first - guiding and supporting you through every stage of your journey, from exciting milestones to times of uncertainty. We’re here to help protect what matters most to your family while ensuring your lending remains competitive, with the best possible rates and solutions available to you at every stage of life.
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Award-winning team · Melbourne
The Cutter & Co team
Melbourne
[ 04 ] A moment
Your first home journey,
backed by 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
Google · 5.0
[ 05 ] Reviews
Client reviews on our first home advice.
“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
[ 06 ] Essential answers
Questions first
home buyers
actually ask.
Short, honest answers. Bookmark this page it updates with every Victorian policy shift.
A bank can only offer its own products. A mortgage broker compares multiple lenders, policies, and loan structures to find an option that better suits your goals.
At Cutter & Co, we look beyond the rate. We help structure your application, manage the paperwork, liaise with lenders and solicitors, and guide you from strategy through to settlement. For clients with complex income, business income, ABN income, or long-term wealth goals, the right broker can make the process clearer, smoother, and more strategic.
Get My First Home ConsultationReady to stop paying
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. No obligation to proceed.
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