First Home Buyer
Buying 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;
- Help you to establish your borrowing capacity
- Identify all the costs associated with buying you 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 grants and benefits you qualify for
- Explain the home buying process from start to settlement
- Assist you with applying for the Governments First Home Owner Grant Scheme 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:
- Can I demonstrate either a savings history or sufficient funds in my account over the last 3-6 months? or have I made extra repayments on any other loans I have?
- Have I got a clean credit history?
- Have I been employed with my current employer for 12 months or more? if not, have I been in the same industry over the last 2 years?
- Do I feel comfortable engaging in a mortgage commitment?
- Am I aware that if I apply to several lenders without taking mortgage advice that I could jeapordise my chances of getting a loan?
If you can't answer 'YES' to all these questions, don't despair there are other alternatives we can explore. Yes! I will need to explore these other options (Fact Find)
Tell me more... download your Home Buyers Guide detailing what happens and when - you'll find this on the home page |
How much can I borrow?
We have all 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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