First home buyer loans and grants
Not sure where you stand?
We’ll connect you with a finance specialist to help you work through your budget, loan options and next steps.
We’ll connect you with a finance specialist to help you work through your budget, loan options and next steps.
A supported path to your first home
Buying your first home is exciting, but the finance side can feel like a different language.
How we help
Lumi works with a finance partner experienced in new home construction. We can introduce you to a specialist who’ll look at your situation, explain possible pathways and help you understand what may be within reach.
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How our finance partner helps
Our expert finance partner can help you:
- understand your borrowing capacity
- prepare for finance pre-approval
- explore first home buyer loans and low-deposit options
- understand deposits and other upfront costs
- explore government grants and schemes
- understand how construction loans and progress payments work
- plan finance for a home build or house and land package.
Finance approval, loan amounts and government support will always depend on your circumstances and the relevant lender or government eligibility rules.
Get financial help.
- First home buyer loan support
- Construction finance guidance
- Government grants and schemes
Frequently asked questions
Whether you’re a couple starting out, a young family needing room to grow or an investor looking for a smart, stylish property, there’s a Lumi home that’s perfect for you.
Construction takes 24 weeks from the day your slab is ready to handover, guaranteed. Before construction starts, there's time for contract signing, permits and site preparation, which adds 8-12 weeks. From signing to moving in, you're looking at around 6-7 months total.
We handle all construction, trades and inspections. You don't need to organise anything. Your role is to make final selections in our colour studio before construction starts.
Our 24-week build guarantee means we're committed to your completion date. If unexpected issues arise, like extreme weather or material shortages, we'll communicate immediately and work to minimise any impact.
Your Project Coordinator provides regular updates, and because we work to a fixed 24-week timeline, we proactively manage any delays.
Your contract outlines payments tied to construction milestones, typically at base stage, frame, lock-up, fixing and completion. Your lender releases funds at each stage once work is complete.
Every stage includes quality inspections by our team and independent building surveyors. We check structural work, waterproofing, electrical and plumbing before moving to the next phase. At key stages, your lender's inspector and the registered building surveyor also conduct mandatory inspections. This multi-layered approach ensures your home meets all Australian building standards.
Your lifetime warranty covers major structural defects in your foundation, frame, roof and load-bearing elements. This is backed by insurance as required by Victorian regulations. We provide full warranty details at handover.
In the first 90 days, you can submit a defects list for anything that doesn't meet expectations. Our maintenance team inspects and arranges repairs. After 90 days, your warranty continues to cover any issues.
Lumi Homes are built and backed by Arli Homes, a family-owned Melbourne builder with over 20 years of experience. Every Lumi home benefits from Arli's proven systems, experienced trades and rigorous quality control. Your home comes with a lifetime structural warranty backed by insurance, and we're here for ongoing support. Our commitment to you doesn't end at handover.
