Melissa Mitchell - Home Lending Specialist

05/05/2026

Buying your first home can feel overwhelming—but the good news is there are some great government schemes designed to help you get in sooner 🏡

Here are 3 key options worth knowing about:

1. First Home Guarantee (5% Deposit Scheme)
This allows eligible first home buyers to purchase a property with as little as a 5% deposit, without paying Lenders Mortgage Insurance (LMI).
✔️ Lower upfront costs
✔️ Get into the market sooner
✔️ Available for both single applicants and couples (income caps apply)

2. Family Home Guarantee
Designed to support single parents or single legal guardians with at least one dependent.
✔️ Buy a home with as little as a 2% deposit
✔️ No LMI required
✔️ A great option for those re-entering the property market

3. Help to Buy Scheme (Shared Equity)
This is a newer initiative where the government contributes towards the purchase of your home in exchange for a share in the property.
✔️ Lower deposit and smaller loan required
✔️ Government contributes up to 30–40% depending on the property
✔️ Bridges the gap between what you can borrow and the price of a home that suits your needs

Each scheme has its own eligibility criteria, property price caps, and availability limits—so it’s important to understand which one suits your situation best.

With interest rates and the market constantly changing, now is a great time to explore your options and put a plan in place.

If you’re thinking about buying your first home, feel free to reach out—happy to help you navigate the process and get you started

📞 0457 103 834
📧 [email protected]

16/04/2026

Hi everyone, I wanted to reintroduce myself as a Home Lending Executive with CommBank Batemans Bay.

With interest rates continuing to shift, now is a really important time to review your current home loan and make sure you’re still getting the most competitive rate and structure to suit your needs.

Whether you’re looking to refinance, purchase, or simply want a health check on your existing loan, I’m here to help guide you through your options and provide tailored advice.

Feel free to reach out for a chat — I’m always happy to help.

📞 0457 103 834
📧 [email protected]

05/06/2025

I’m very excited to have won CommBank’s Regional Home Lending Specialist of the Year branch lending award last week in recognition of the support I provided my customers in the Eurobodalla community.

A big thank you to my wonderful customers for putting their trust in me to assist them with their home lending needs and my colleagues and managers for their support along the way!

I can help you with your home buying or refinance needs as well. Let’s chat today. Either call on 0457 103 834 or email [email protected].

20/05/2025

Big news! Contact me to discuss how this could impact your home buying or refinancing plans.

Either call on 0457 103 834 or email [email protected].

31/03/2025

Before you start browsing dream homes, make sure you know your borrowing power! 💡 Understanding how much you can borrow is key to finding the right property that fits your budget and goals. Knowledge is the first step to making smart, stress-free decisions.

If you’d like to know more about where you stand, get in touch today on 0457 103 834 or email [email protected]

21/02/2025

Seminar Alert: Pathway to Property 🏡✨

Are you looking to buy, invest, or simply understand the property market in Eurobodalla? Join us for Pathway to Property—a must-attend seminar designed to help provide people with the right tools and support to turn their home ownership dreams into reality.

We’re bringing in experienced guest speakers Anna and Peggy from My Agent Team who have deep local knowledge to provide insights on:
✅ Market trends in Eurobodalla 📊
✅ Smart investment strategies 💰
✅ First-home buying tips 🏠

Whether you’re a first-time buyer, investor, or just curious, this seminar will equip you with the tools to make informed property decisions.

📩 Spots are limited! Register now:
https://cbaevents.cba.com.au/ehome/index.php?eventid=100188639&

18/02/2025

📢 Seminar Alert: Pathway to Property 🏡✨

Are you looking to buy, invest, or simply understand the property market in Eurobodalla? Join us for Pathway to Property—a must-attend seminar designed to help provide people with the right tools and support to turn their home ownership dreams into reality.

We’re bringing in experienced guest speakers Anna and Peggy from My Agent Team who have deep local knowledge to provide insights on:
✅ Market trends in Eurobodalla 📊
✅ Smart investment strategies 💰
✅ First-home buying tips 🏠

Whether you’re a first-time buyer, investor, or just curious, this seminar will equip you with the tools to make informed property decisions.

📩 Spots are limited! Register now:
https://cbaevents.cba.com.au/ehome/index.php?eventid=100188639&

19/07/2024

11/07/2024

What a great opportunity!

If you or someone you know require business lending to secure one of these gems, give me a call on 0457 103 834!

07/07/2024

Hi, I’m Melissa, your local CommBank Home Lending Specialist and this is Josh, your local CommBank Business Banker. We can help you with both your Home Buying & Business Banking needs in one convenient appointment.

Let’s save you time and have a joint chat today.

0457 103 834 or email [email protected]
0473 643 339 or email [email protected]