First Home Buyer Schemes and Grants in Victoria: Everything You Need to Know in 2025
Why First Home Buyer Grants Matter Buying your first home in Victoria can be expensive.…
Buying your first home can feel overwhelming – the jargon, the paperwork, the “where do I even start?” moments. I’m Yash, and I make the whole process simple, clear, and actually enjoyable. No confusion, no pressure – just honest guidance from someone who genuinely has your back.
I became a mortgage broker because buying my own home showed me just how unnecessarily complicated the whole process felt. I wanted to be the person I wished I’d had — someone who makes it simple, speaks plainly, and genuinely has your back.
Based in Melbourne, I specialise in helping first home buyers get into their home with confidence — without the stress or confusion.
Buying your first home? I specialise in helping Melbourne first home buyers navigate the loan process with confidence — finding the right loan from 30+ lenders, guiding you through grants and schemes, and being there from first conversation to settlement day.
Haven't reviewed your home loan lately? There's a good chance you're paying more than you need to. I'll compare your current loan against the market and find out if there's a smarter option for you.
Ready to build long-term wealth through property? I'll help you get the right loan structure in place to maximise your borrowing power and support your investment goals.
Discover the benefits of working with a mortgage broker! Enjoy personalized solutions, greater lender options, expert guidance, and ongoing support tailored to your needs. We make securing the best loan easy, saving you time, money, and stress.
1. Mortgage brokers must legally act in your best interests. 2. My advice focuses entirely on your needs and goals. 3. This duty ensures that every recommendation is made with your best interest at heart, providing you with confidence and peace of mind in making informed decisions about your financial future.
1. Banks offer only their own limited range of loan products. 2. I provide access to hundreds of options from over 30 lenders. 3. This ensures you find a loan tailored to your unique needs and goals.
1. Every financial journey is unique, so I take time to understand your goals. 2. Our no-obligation consultation helps identify and compare the best loan options. 3. I tailor mortgage solutions that work for you now and in the future.
1. My commitment extends beyond securing your initial loan. 2. I provide ongoing support to ensure your mortgage aligns with your goals. 3. As life changes, I’ll guide adjustments to keep you on track.
1. Mortgage brokers leverage a broad network to negotiate better rates and terms. 2. Lenders work harder to compete through brokers, often offering deals not available directly to clients. 3. This gives you an advantage in securing the best possible loan.
1. I understand lender policies, giving you an advantage in loan approval. 2. Factors like income, credit, and savings vary across lenders' criteria. 3. I guide you to lenders suited to your unique financial profile.
Real stories from real clients. See how I’ve helped people achieve their financial goals with personalized loan solutions and expert guidance.
Posted on Angela rajbhandariTrustindex verifies that the original source of the review is Google. Fantastic support with my home loan—clear, efficient, and stress-free from start to finish. Yash explained everything simply and helped me secure a great outcome. Highly recommend!
Owner's reply
Thank you so much Angela, really appreciate your kind words! Glad we could keep the process simple and stressfree for you 😊. Enjoy your home and I’m always here if you need anything down the track. CheersPosted on David PetrovskiTrustindex verifies that the original source of the review is Google. My partner and I were looking to get our first home so we approached Yash and I got to say what an amazing experience we had. Yash helped us a lot throughout the whole process. Yash explained everything in fine detail and was always available when we needed him. Yash helped us to pick the best loan option for our new house. Highly recommended
Owner's reply
Thank you for the kind review David! It was a pleasure helping you guys purchase your first home. I'm really glad I could guide you through the home loan process and help secure the right loan for your new place. Wishing you both many happy years in your new home, and thank you again for trusting me with your home loan. Cheers!Posted on Subash DahalTrustindex verifies that the original source of the review is Google. We had a great experience working with Yash as our mortgage broker for our investment property loan. He was extremely knowledgeable, professional, and guided us through the entire process from start to finish. Yash took the time to understand our situation, explained all the options clearly, and secured a loan that suited our needs. Communication was excellent and everything was handled smoothly and efficiently. Highly recommend Yash to anyone looking for a reliable and trustworthy mortgage broker.
Owner's reply
Thank you so much, Subash, for the kind words and for trusting me with your investment property loan. I really appreciate you taking the time to leave this review. It was great working with your family, understanding your goals, and structuring a solution that suited your needs. Looking forward to continuing this relationship and working together towards your investment goals - plenty more wins ahead! Cheers, YashPosted on Smriti RaiTrustindex verifies that the original source of the review is Google. I would highly recommend Yash…From our first conversation through to settlement, he was incredibly supportive, knowledgeable, and proactive. Buying an investment property can feel overwhelming, but he made the entire process smooth and easy to understand, always taking the time to explain options and give clear, strategic advice. I really appreciated how focused he was on my long-term goals, not just getting the loan approved…. Communication was excellent throughout, and I always avabiable to help me. If you’re looking for a mortgage broker you can genuinely trust, I surely recommend him
Owner's reply
Hey Smriti, this absolutely made my day - thank you so much for such a thoughtful review! 🙏🏻 It’s been a long journey from our first chat to settlement, but you and Subash stayed persistent the whole way way through, even when the investment roller coaster got a bit wild. Really appreciate you both for trusting me with such an important step and for letting me be part of your long-term goal. Wishing you guys plenty of growth, good tenants and many more smart investments ahead!Posted on Nilofer ManiarTrustindex verifies that the original source of the review is Google. Yash helped us through the entire process so smoothly. He genuinely treated our case as if it were his own and always had our best interests in mind. He worked hard to get us the best possible deal, explained everything clearly, and was always reliable and responsive. We felt completely confident and supported throughout. Highly recommend him to anyone looking for a mortgage broker they can truly rely on.
Owner's reply
Nilofer ji, you’ve made my day with this review - thank you so much! 🙏🏻 It was a real joy working with your family, and I’m glad the process felt smooth and supportive. I always say: home loans don’t have to be scary when you’ve got the right guide (and great clients 🙂)! If your friends or family ever need help navigating the world of home finance, please send them my way - I’ll treat them like my own. Wishing your family many happy memories in your new home! Regards, YashPosted on Christopher-Eissa ToumehTrustindex verifies that the original source of the review is Google. Yash and his team were extremely supportive and were always constantly ready to help all the time. He was always ready to help and is across everything the overall support and service Yash provided was truly the best I’ve seen.
Owner's reply
Thanks so much, Chris! 🙏 Really appreciate your trust throughout this process. This home loan journey was definitely a ride, but we got it all done together! Big congratulations on securing your new home- enjoy home ownership, you’ve earned it! If you ever need help again with home loans or know someone starting their first home buyer journey, we’re always here to help. Cheers, YashPosted on Raunak MTrustindex verifies that the original source of the review is Google. Working with Yash was an absolute pleasure. He took the time to explain every step of the process clearly and made sure I understood all of my options. He was patient, professional, and always available to answer my questions. Thanks to him, I secured a great rate and closed on my dream home without stress. Highly recommended!
Owner's reply
Thanks for the awesome review Raunak! Really glad I could help out and dig into all the options to find the right fit. It was a pleasure working with you. Appreciate how easygoing and switched on you were through the whole process! If anything comes up or you just want to bounce around ideas again, I’ll be in touch. Cheers, YashPosted on Ashish HarsoliaTrustindex verifies that the original source of the review is Google. We were looking for our First Home and got a reference for Yash to help us with our Home Loan requirements. Yash was absolutely fantastic throughout and made sure that we had ample communication regarding the next steps all along the process. Strongly recommend his services for anyone looking to have a smooth home loan journey.
Owner's reply
Hey Ashish, thank you so much for the awesome review! It was a real pleasure working with you on your first home - such an exciting time! I’m really glad the process felt smooth and that the communication helped along the way. Appreciate the kind words and the recommendation, means a lot to me. I’m always just a call away if you need me. Wish you and Shimona many happy memories in your new home! Cheers, YashPosted on Katerina DiamantTrustindex verifies that the original source of the review is Google. Smooth and hassle-free refinance experience! Helped us secure a better rate and save on repayments. Great service, clear communication, and expert advice. Highly recommend for anyone looking to refinance their home loan.
Owner's reply
Thanks so much for the awesome review Katernia! I am so glad we could make your refinance smooth and help you save some solid $$$. It’s always a win when we can take the stress out and get a better deal. If anything comes up or you just want to chat through options in the future, i’m just a call away!Posted on Smarth BajajTrustindex verifies that the original source of the review is Google. Yash Duggal at Think and Grow Finance totally blew us away with how easy he made buying our first home in Australia! As a young couple, we were pretty stressed about getting a home loan, especially since my partner gets bonuses that make our income a bit tricky to pin down. Yash just got it, though. His know-how with first home buyer loans and dealing with bonus income was a total game-changer. He walked us through the First Home Buyer scheme like it was no big deal, landing us an awesome loan with a low deposit and a great rate that fit our budget perfectly. Yash was super patient, always ready to explain things in a way that made sense, and he even pointed us toward some government grants that saved us a heap of cash. The guy’s professionalism and commitment to helping us were unreal, and he clearly knows the Aussie mortgage scene inside out. If you’re a first home buyer, dealing with bonus income, or just need a solid mortgage broker for refinancing or investment properties, Yash is your guy. We’re over the moon with our new place and can’t recommend him enough!
Owner's reply
Thanks for the amazing feedback Smarth! It was an absolute pleasure helping you guys secure your first home loan! I’m thrilled you’re enjoying your new home! Looking forward to assisting with your next one! Cheers, YashLoad moreGoogle rating score: 5.0 of 5, based on 18 reviewsVerified by TrustindexTrustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more































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