Loans for first home buyers

Wanting to buy your first home but don’t know where to start?

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Wanting to buy your first home but don’t know where to start? As a first home buyer you don't have to be an expert in buying property. We are here to help you.

PLANNING

GET SAVING

If you can afford it a bigger deposit is better, the less you borrow, the lower your repayments are. It is looked upon fondly if you can show that you can produce large savings.

FIRST HOME OWNERS GRANT

Stick to the facts when applying for a FHOG, if you’re not a genuine contender for the grant you could be asked to repay it, plus penalties. Do your research to fully understand the FHOG entitlements in your state or territory.

KNOW YOUR COST

The true cost of buying a home goes well beyond the purchase price. Things to consider include stamp duty, conveyancing, pest and building inspections, strata reports, loan fees, insurance and utilities.

GET YOUR LOAN

GET THE RIGHT LOAN

Not only are there hundreds of loans to choose from, some are marketed using names and descriptions that don’t really say much about the loan and how it works.

APPLY RIGHT

There’s a lot riding on your home loan application, and the more prepared you are, the more likely you’ll receive a thumbs up from a lender.

GET PRE–APPROVED

Get auction-ready with a conditional loan approval. Our home loan specialists will help you work out what loan is right for you – and can even start filling out your application.

BUYING YOUR HOME

AUCTION SAVVY

Auctions can offer big advantages – like the chance to secure your dream home at a price that truly reflects its market value. But successful buying at auction calls for some additional work behind the scenes, and knowing what you’re up against is crucial in mastering the auction game.

PREP YOUR CHEQUE

When you make the winning bid at an auction you immediately enter into a binding contract. There is no cooling off period (so it pays to have your home loan pre–approved). During this time it is expected that you pay a deposit – usually 10% of the sale price.

SETTLE UP

The average settlement period is between 4–6 weeks, and if you’re relocating to a new home it can be a busy period with plenty to plan for such as moving furniture, organising a new school for the kids and maybe even a new job.

FINANCIAL CALCULATORS

Free online home loan calculators which we invite you to use.
These calculators will provide you with a solution which may assist you when considering purchasing a property.
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Property Fees
Estimate how much stamp duty and extra fees you might need to pay for a property.
Calculate
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Borrowing Power
Calculate how much you can borrow based on your income, assets and financial commitments.
Calculate
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Repayments
How much will your repayments be? How much can you save with extra repayments?
Calculate

ARE YOU READY TO TAKE THE NEXT STEP?

Our finance specialists are available to help you and answer all your questions
Book an appointment
Apply online
OUR PANEL OF LENDERS
Thousands of loans, multiple lenders.
We’ll guide you, giving you the ins and outs of each loan, so you can make a more confident decision.
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WHAT OUR CLIENTS SAY

We’ve helped thousands of Australians finance their dreams
"As first home buyers we knew nothing about buying property let alone financing it. Richard guided us step by step through the whole process. His banking experience and product knowledge left us feeling confident and comfortable with the decisions we made. Definitely be recommending to all our friends and family. Thankyou"

- Probst & Travis
"Richard's communication and dedication to his role is outstanding, proactively checking in with us through the process to make sure we understand everything and to answer the numerous questions we had quite often. We will be keeping in touch periodically moving forward to ensure we're getting the best setup for our loans. Thanks Richard"

- Everitt & Jinks
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DON'T FORGET INSURANCE

Keep your home safe with our many insurance options.
Should you be unable to service the loan repayments through illness, injury or death, be sure you have the right insurance cover.
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