Buying a home is a big decision. Having someone in your corner can make the whole process feel a lot simpler.
Whether you’re buying your first home, your next home or simply starting to explore your options, there can be a lot to think about.
From understanding how much you may be able to borrow, to comparing lenders and loan options, we can help you work through the numbers and find a loan that suits your circumstances.
We’ll guide you through the process, explain things in plain English and take care of the home loan application from start to finish.
And our support doesn’t stop at settlement. We’re here whenever you need help with your loan along the way.
Before you start house hunting, it helps to understand what you can comfortably afford.
Consider your income, existing debts, regular expenses and the additional costs that can come with buying a home, such as stamp duty, conveyancing, building and pest inspections and moving costs.
Getting a clear idea of your borrowing capacity early can help you search within a realistic price range.
Take some time to get to know the suburb or area you’re considering.
Think about things such as schools, shops, transport, commute times and other amenities that are important to you.
It can also be worth visiting the area at different times of the day to get a better feel for what it would be like to live there.
A building and pest inspection can help identify potential issues with a property before you commit to the purchase.
Having this information upfront can help you make a more informed decision and may also give you an opportunity to negotiate if significant issues are found.
There’s more to a home loan than just the interest rate.
Features such as an offset account, redraw, fixed or variable rates and repayment flexibility can all make a difference depending on your circumstances.
We can talk you through the options and help you understand what may suit you best.
Even if you’re planning to stay in the property for a long time, it’s worth thinking about how the home may suit you in the years ahead.
Consider things such as location, layout, future family needs and whether the property gives you room to grow.
A home is a big commitment, so ideally it should work for both your life now and where you may be heading.
You don’t always have to accept the first price or terms presented to you.
Your real estate agent, conveyancer or solicitor can help you understand the contract and negotiate where appropriate.
And before you make an offer, having your finance position understood can give you more confidence about what you can comfortably commit to.
Whether you’re buying, refinancing or just want to know your options, we are here to help make it simple.
Send through a quick enquiry and we’ll be in touch.