First Home Buyer Checklist for Geelong
Buying your first home in Geelong has a lot of moving parts: a deposit, Victorian grants and concessions, a pile of paperwork, pre-approval and settlement. Tick off each step below as you go. Your progress is saved in this browser, so you can come back to it. When you want it checked against your own situation, an experienced broker from our network can walk through it with you.
Your Geelong home loan checklist steps
1. Work out your budget and deposit
2. Government help to check
3. Documents to gather
4. Get pre-approval
5. House hunting in Geelong
6. Apply and settle
Method and sources: how this is calculated
Plain English. The dollar figures and rules come from official Australian and Victorian government sources.
Tick each item as you complete it. Your ticks are saved in this browser only (in local storage), so nothing is sent anywhere and you can return to finish later.
- Victorian First Home Owner Grant, stamp duty exemption and concession. Figures and eligibility from the State Revenue Office Victoria: sro.vic.gov.au.
- First Home Guarantee (5% deposit, no LMI, which is lenders mortgage insurance) and the Greater Geelong price cap. From the Australian Government first home buyer information: firsthomebuyers.gov.au.
- General home loan guidance. The consumer resources from ASIC (the Australian Securities and Investments Commission, the financial-services regulator) at MoneySmart: moneysmart.gov.au.
All figures are general information as at June 2026. Grant amounts, caps and concession thresholds change, so confirm the current numbers on the official sites above, or request a free review and an experienced broker from our network will confirm what applies to you.
Read more about first home buyer loans in Geelong for the deeper breakdown of grants and deposits, or estimate your numbers with the borrowing power calculator.
General advice only. Information on this page is general in nature and does not constitute personal financial advice. It does not take into account your individual situation, objectives or needs. Consider whether the information suits your situation before acting on it. Grant, concession and guarantee eligibility is set by the relevant government body and subject to its current rules. Credit applications are subject to lender approval and lending criteria.
Comparison rate warning. A comparison rate (a single rate that combines the headline interest rate plus most lender fees, designed to make rate comparison fairer) is based on a loan amount of $150,000 over 25 years. WARNING: This comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates.