The Melbourne numbers that shape first home buyer leads
The 5% deposit scheme's Melbourne cap of $950,000 on the government's table sits above the median, so most of the city qualifies. Melbourne's median dwelling value was $786,718 in August 2026, down 4.7% over the year and 1.1% lower in the month, on Cotality's index. Westpac's survey found 54% of Victoria first home buyers considering rent-vesting, so a share of first home enquiries are investment enquiries.
Victoria wrote 23,539 new owner occupier loans in the June quarter of 2026 at an average of $664,000, on the ABS lending indicators. A first home buyer in Melbourne is borrowing toward mid-sized loans, with no equity and a short credit history, which is why the finance screen matters most for this lead type.
What a Melbourne record carries
Beyond the fields every record carries, a Melbourne campaign for this lead type captures the details that decide the first call.
- Deposit saved, and whether it is savings, a gift or a guarantor
- Whether they expect to use the scheme under the $950,000 Melbourne cap
- Live in it, or rent it out
- Suburbs of Melbourne or elsewhere in Victoria
- Employment type and time in the role
- Timing in their own words, plus the time stamp and consent record
What is checked in Melbourne
Before a Melbourne record reaches your CRM it has passed three checks. The mobile was verified by SMS, the record was matched against everything already sent to you, and the enquiry was screened on finance with up to 98 data points. Of high income property enquirers we measured, 51.8% fail on finance. Fewer than 5% of leads that clear the screen do. The screen is not an approval.
Who this is not for
Brokers without Victoria coverage, or brokers who only want refinancers. First home buyers need more explaining than any other enquirer, and the first call in Melbourne is a deposit and scheme conversation before it is a rate conversation.
Pricing
The price is a fixed cost per verified lead, agreed before anything runs. There is no retainer and no lock in. Records are exclusive to you and arrive live in your CRM. A lead that turns out to be wrong is reviewed within five business days and replaced or credited when confirmed.