Are you a First Home Buyer?

first_home_buyerBuying your first home is exciting. We know it can also be stressful. Therefore we try to make the process as simple and easy as possible by helping you through all the steps.

 

As part of our service we cover the following;

  • Help you to establish your borrowing capacity
  • Identify all the costs associated with buying your first home
  • Determine the maximum LVR (Loan to Value Ratio) that you can be approved to
  • Help you understand how much deposit you will require
  • Clarify exactly which Government Grants and benefits you qualify for
  • Explain the home buying process from start to settlement
  • Assist you with applying for any applicable Grants and ensure you get your maximum benefits.

 

Due to changes in global market conditions, lenders have tightened up their policy and it is therefore crucial you talk to an experienced mortgage adviser to guide you.
Before applying, these are the Top 5 questions you must be able to say ‘YES’ to:
  1. Can I demonstrate either a savings history or sufficient funds in my account over the last 3-6 months?
  2. Have I got a clean credit history?
  3. Have I been employed with my current employer for at least 6-12 months?  If not, have I been in the same industry over the last 2 years?
  4. Do I feel comfortable engaging in a mortgage commitment?
  5. Am I aware that if I apply to several lenders without taking mortgage advice that I could jeopardise my chances of getting a loan?
If you can’t answer ‘YES’ to all these questions, don’t despair there may be other alternatives we can explore

How much can I borrow?

We have the tools to answer that all-important question.

Contact us or Apply Now by completing our Fact Finder (found in Forms & downloads) and we will work closely with you to work out your borrowing capacity.

 

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Meet Andrew & Annette

Meet Andrew & Annette

We are a husband and wife team and together launched Altitude Finance in 2003 after working separately and then together in the Mortgage Industry.

The growth of our first property purchase in 2002 led us to see the value in property investing towards a more financially secure future. We continued our own investing while helping others through providing well structured finance solutions for the long-term.

We look at the big picture and pride ourselves on being a truly independent brokerage.

Check out our interview with Elite Broker