Step by step mortgage solutions for first home owners.
Owning your first home is an exciting journey leading to freedom from paying rent and the freedom to live your life the way you want. However, there is lots to do before you start searching for your dream home.
A great starting point is knowing if you qualify for any Government grants and schemes, understanding how much deposit you need to save, and what your upfront and ongoing costs will be. Engaging a mortgage broker and a licensed conveyancer or solicitor will help you answer these questions.
If you are struggling to save a big deposit, don’t stress. The Australian Government wants to encourage home ownership and there are various incentives you may be eligible for that will help you to buy your first home sooner.
Let us quickly perform a free mortgage assessment to ensure the most suitable home loan package for your individual circumstances and preferences.
Specialist Mortgage have access to hundreds of home loan options and will provide you with a selection of mortgage packages that suit your individual circumstances.
Whether you are searching for the highest borrowing capacity, lowest rates, most flexible features, or lowest cost fees, we’ve got you covered.
As a first home buyer you might be able to get into your first home with little to no deposit by taking advantage of the First Home Buyers Grant (FHOG), First Home Super Save (FHSS) scheme and First Home Owner Stamp Duty Concessions.
We clearly explain the home loan process, different types of home loans and their features, we will help you to understand bank terminology, and support you all the way through to settlement.
Buying your first home can be simple and seamless with the right team. Are you ready to take the first step?
Start your buying journey and find out how much you may be able to borrow today.
Calculate your estimated home loan repayments or see how refinancing could save you money.
Find out how much money you could save on a weekly, monthly or annual basis.
A home loan pre-approval indicates how much you may be able to borrow from a lender or a bank. It gives you the confidence to shop for your dream home as you will know your budget. You will also be taken more seriously by sellers and agents as they know you have capacity to buy.
You can arrange a pre-approval through our mortgage brokers. You will require ID as well as evidence of income, expenses, assets, debts, and lines of credit such as credit cards. A pre-approval will generally last for 3 months, after which you may be able to apply for a 3 month extension.
A pre-approval is important because it establishes your budget, no matter what type of property you’re considering buying, be it an established home, under-construction or off-the-plan home, or even a house and land package.
We can help you navigate the finance application process for new and established properties so that you can buy a home with knowledge and confidence.
Committed to finding the right solution for your budget and circumstances, and our service to you is free.
We compare home loans produced from Australia’s leading lending institutions and present tailored solutions for you and your individual circumstances.
A mortgage broker has access to a wide range of mortgage products and lenders for first home buyers, some of which you might not be able to access on your own. They can therefore help you find the best rates and most attractive terms based on your financial situation.
Mortgage brokers can use their relationships with lenders to negotiate on your behalf, potentially securing a better deal than you could get on your own.
By finding the most competitive mortgage rates and terms, a broker can help you save a significant amount of money over the life of your mortgage.
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