Melbourne Mortgage Broker Clarity Financial Solutions Updates 2026 First Home Buyer Scheme Changes

MELBOURNE, Australia - July 14, 2026 - PRLog -- Melbourne Mortgage Broker Clarity Financial Solutions Helps First Home Buyers Navigate Expanded 2026 Government Schemes

MELBOURNE, VIC — Clarity Financial Solutions, a licensed Melbourne mortgage brokerage (ACL 475676), is helping Melbourne first home buyers access the significantly expanded government schemes available in 2026, including the First Home Guarantee's removal of income caps in October 2025.

The First Home Guarantee now offers unlimited places with no income threshold, allowing eligible first home buyers to access a 5% deposit with zero lenders mortgage insurance on Melbourne property purchases up to $950,000. Previously capped at $125,000 for single applicants, the scheme is now available to Melbourne first home buyers across all income levels.

'The removal of the income cap is the most significant first home buyer scheme change in years, and many Melbourne buyers are still unaware they now qualify,' said Preeti Sidhu, MFAA-accredited mortgage broker at Clarity Financial Solutions. 'Combined with the First Home Owner Grant and stamp duty exemptions, eligible first home buyers can save $40,000 to $60,000 in upfront costs.'

Clarity Financial Solutions compares home loan products from 40+ lenders at zero broker fee to clients, confirming government scheme eligibility and identifying the lender that provides the highest approved borrowing amount for each buyer's profile — a figure that can vary by $60,000 to $80,000 across lenders for the same income.

The brokerage provides services across first home buyer loans, investment property lending, refinancing, construction and bridging finance, SMSF property loans and self-employed home loans. Free consultations are available at the firm's Melbourne CBD office at 303 Collins St or by phone.

About Clarity Financial Solutions: Clarity Financial Solutions is a licensed Melbourne mortgage brokerage (ACL 475676) led by Preeti Sidhu, MFAA-accredited mortgage broker. For more information, visit [BACKLINK: clarityfs.com.au/first-home-buyer-mortgage-broker-melbourne/] or call 0429 533 236.

Media Contact: Preeti Sidhu | info@clarityfs.com.au | 0429 533 236 | https://clarityfs.com.au/