Start with a workable budget
Speak with a qualified lender or broker about your borrowing position. Then compare the whole purchase: land, build, site allowances, finishing items and transaction costs.
First home / Victoria
Your first home,
with a clearer plan.
You don’t need to know every step before you begin. We help you understand your options, choose areas to explore and compare what each package includes.
Your starting point
Budget, location,
then the home.
Choose the places that suit your week
Think about work, family and the services you use. We help you compare the actual estate and lot, including what is open now and what is still planned.
Understand the home and the timeline
Look at the floor plan, inclusions, title status and purchase steps together. Ask which decisions need to be made now and which can wait.
A first-home trade-off
Look beyond
the asking price.
A larger block in a newer estate and a smaller block closer to your daily destinations may both fit the advertised budget. Compare travel, usable space, finishing costs and timing before choosing. The lowest headline price may not explain the whole difference.
Understand a package price →Before your first purchase
Questions worth
asking early.
Can I start before I have finance approval?
Yes. You can learn about areas and package options while a lender or broker assesses your position. Luna does not approve finance or determine borrowing capacity. Confirm your position with your finance professional before committing.
Can you explain first-home support?
We can help you identify questions to ask about first-home support and connect you with finance professionals. Start with our 5% Deposit Scheme guide, then confirm eligibility and property requirements with a participating lender.
What should I bring to the first conversation?
A rough budget, two or three areas, your must-haves and any timing constraints are enough to start. If these are still unclear, tell us which decisions you need help understanding.
Personal service
Start with a
workable brief.
Tell us your budget, preferred areas and what matters in your first home. We’ll help you identify what to compare next.