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Melbourne’s Trusted Mortgage Brokers for First Home Buyers

Navigating your first home loan in Victoria can be complex – that’s why first home buyers turn to Money Bar. We provide end-to-end guidance on everything from loan strategy and deposit options to lender selection and pre-approval.

You’ll get personal, expert support that puts clarity and confidence behind every step, from your first call to settlement day.

What Sets Our First Home Buyer Mortgage Brokers Apart

We specialise in first home buyer loans across Melbourne and Victoria, with smarter comparisons, expert grant advice, and a clear plan from your first call to final approval.

  • Specialists in first home buyer lending

  • Access to over 40 lenders with side-by-side loan comparisons

  • Pre-approval strategy tailored to your income and goals

  • Grant guidance and eligibility checks included – at no cost to you

Smarter First Home Loans Start Here With Over 40 Lenders Compared for You


As first home buyer mortgage brokers, we help you find more competitive rates, lower repayments, and lender deals designed for your situation instead of the bank’s bottom line.

Local Knowledge, National Reach

Our brokers are based in South Yarra and understand Melbourne’s property market deeply. We match your goals with policies from over 40 banks and non-bank lenders.

Save More Money

We negotiate with over 40 lenders to secure more competitive rates, often pushing the banks to compete for your loan. Some of our clients have saved up to tens of thousands of dollars over the life of their mortgage.*

No Fees, No Surprises

You don’t pay us – ever. Our mortgage broking service is 100% free because lenders pay us when your loan settles. You get expert support, at zero cost.

Meet the Team Behind Money Bar

Dean Alateras Director at Money Bar

Dean Alateras

Director

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With a background in financial analysis and formal qualifications in both commerce and mortgage broking, Dean brings rare depth to his role as a broker. He began his career decoding complex markets but found his passion in helping everyday Australians navigate the home loan process with clarity and confidence.

Dean’s approach is quietly methodical. He listens closely, thinks strategically, and gives clients the knowledge they need to make empowered decisions – whether they’re buying their first home, investing for the future, or refinancing to get ahead.

His strength lies in making things feel simple without oversimplifying. He’s here to guide, support, and deliver outcomes that genuinely move people forward.

Bachelor of Commerce (Finance & Financial Planning), Cert IV & Diploma of Finance and Mortgage Broking

Contance Alateras Director at Money Bar

Constance Alateras

Director

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Constance combines sharp analytical thinking with a deeply human approach to finance.

With qualifications in mortgage broking and experience working alongside financial planners, she understands how lending decisions fit into the bigger picture of a client’s goals and lifestyle.

Alongside running Money Bar, Constance is completing a doctorate focused on developing an online education platform that will support access and education in her area of expertise. Clients value her for her thoughtful communication, calm presence, and clear, practical advice – especially when navigating complex lending scenarios.

Vicki Alateras Director of Money Bar

Vicki Alateras

Mortgage Broker

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With decades of experience in financial services, Vicki is the steady hand behind many of Money Bar’s long-term client relationships. She holds advanced qualifications in mortgage broking and financial planning and is fully accredited as an ASIC-licensed credit representative and MFAA member.

What sets Vicki apart is her ability to balance technical expertise with genuine care. She takes time to understand each client’s needs and builds lending strategies that are both practical and forward-thinking.

Whether you’re buying your first home or restructuring your loan for better results, Vicki offers calm guidance and solutions built to last.

Diploma of Mortgage Broking, Advanced Diploma of Financial Planning, MFAA Full Member, ASIC Licensed Credit Rep

Common Questions First Home Buyers Ask Us

Buying your first home raises a lot of unknowns – here are the answers our clients ask most.

  • How early should I speak to a mortgage broker?

  • Do I need 20% saved to get a home loan?

  • How are brokers different to banks?

  • Is your service really free?

  • Will applying with a broker affect my credit score?

  • Can I get help even if I’m not ready to buy yet?

Here to help

Reach out to us effortlessly! Whether you opt for a chat, an email, or a brief form, we’re ready to establish a connection and offer the personalised assistance you require. Select your preferred contact method and initiate the discussion today.

Email: money-bar@money-bar.com.au

Phone: 0476 291 998

Address: 547 Chapel Street, South Yarra, Victoria, 3141

* Money Bar Pty Ltd (ABN 20 646 025 470) is a Credit Representative (555438) authorised under Australian Credit Licence 389328. The information on this page is general in nature and does not take into account your objectives, financial situation or needs. We provide credit assistance by comparing products from a panel of lenders (not all lenders in the market). Product availability, interest rates, fees and credit criteria are set by each lender and may change at any time. We do not guarantee loan approval or specific timeframes. Time references relate to our internal process only. Consider whether this information is appropriate for you and seek personal advice before making decisions.

References to the First Home Owner Grant (VIC), stamp duty concessions, the First Home Guarantee (Housing Australia) and similar programs are provided for general information. Money Bar is not affiliated with or endorsed by any government department or Housing Australia. You can apply for these programs directly with the relevant authority or participating lenders. Eligibility criteria, property price caps, place availability, deposit requirements and other conditions apply and may change without notice. Grant and concession amounts vary by location and personal circumstances.

“5% deposit” refers to eligible first-home buyer schemes or lender programs that allow purchases with deposits from 5%. Eligibility and lender criteria apply; not available to all borrowers. Lenders Mortgage Insurance (LMI) may still apply unless an eligible guarantee is used.

“Up to $10k” refers to the VIC First Home Owner Grant for eligible purchases. Amounts and conditions vary by property type and location. Check current details with the State Revenue Office (VIC).