Home Loans
Are you a first-home buyer? We understand that buying your first home is a huge decision and can sometimes be daunting and confusing.
We assist first-home buyers throughout the process by breaking it down into simple steps, from the first appointment to loan settlement for established homes, finding a block and selecting a reliable builder, to key handover for construction loans.
Current benefits for first home buyers
First Homeowner Grant of $10,000 from WA State Government for first-home buyers who are constructing a home or buying a new home. They will be the first occupants of the home.
Kindly follow this link for more informationWho We Assist
- First-home buyers
- Existing homeowners
- Upgraders
- Downsizers
Federal Government First Home Guarantee Scheme
This initiative allowed first-home buyers to purchase or build their first home with just a 5% deposit. No lender’s mortgage insurance (LMI) is required. This is not a cash payment. It is a government-backed guarantee through which participating lenders offer home loans to first-home buyers.
To be eligible, an applicant must be:
- Citizen or Permanent resident
- 18 years and above
- Never own had interest in a home before
- Annual income must not exceed $125,000 for a single applicant
- Couple $200,000 or less. For more information, please visit https://nhfic.gov.au/home-guarantee-
Home Buying Process
Borrowing Capacity
Assessing your income, expenses and financial position to determine your borrowing power.
Deposit Requirements
Understanding minimum deposit requirements, savings criteria and upfront costs.
Loan Options
Exploring and comparing suitable loan products from our lender panel.
Government Schemes Where Applicable
Navigating state and federal first-home buyer grants, guarantee schemes and concessions.
Loan Structure
Tailoring fixed, variable or split loan structures and features suited to your goals.
Application
Guiding you through required documentation and lodging your formal loan application.
Approval
Managing lender requests from pre-approval through to formal unconditional approval.
Settlement and Ongoing Support
Guiding you right through to settlement and remaining available as your finance needs evolve.