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Buying your first home, great news!

Buying your first home will be one of the biggest financial decisions you’ll ever make. It can seem like a daunting task - but we're here with you every step of the way.

And here's how.

The home buying journey

How does the process of buying a home actually work? We’ve broken down into simple steps so you know what you’re doing, when.

Connect with us
The first step will be to connect with us - we'll ask you about your current situation and what you're looking for.
Provide key financial information
Your first challenge is figuring out what you can afford. That’s where we come in. We review your current financial position and educate you on the costs of entering the housing market.

At this point, we'll get some key financial information from you - such as bank account balance(s), existing loans and your salary.
Meet to discuss your options
Once we have all your financial information and understand what you're looking for, we run a search against all lenders to get an indication of your borrowing power. From there, we show you up to 3 lenders that suit your needs.
Select a lender that suits your needs
Next, you'll decide which lender and lending setup works best for you. We'll help clarify any questions here about loan setup, such as fixed vs variable loans, principal and interest vs interest only repayments to ensure you're happy and understand the proposed loan arrangement.
Get pre-approval
Pre-approval is a very important step - obtaining pre-approval ensures you can confidently go property hunting knowing your financial limits.

Once you're comfortable with a particular lender, we will apply for pre-approval.
Purchase a property
When you’re a successful buyer, the rest is simple! We inform the lender, help you to complete all required paperwork and ensure the keys make it into your hands at your settlement date.
Finalise the loan structure
Once you have successfully purchased a property, we'll liaise with your lender and take your loan from pre-approved to approved.
Settle on your property
Once your loan has been approved, your lender will pay the agreed amount to the vendor of the property you're purchasing.

At this point you'll agree with the vendors settlement terms - usually 30, 60 or 90 days from purchase.
Annual catch up to review your position
Once you're in your property, we're still here to help. Each year we'll check in with you and assess how your loan setup is working for you. We'll discuss with you any options that might make your loan better - for example, switching lenders or modifying the loan structure.

Let's get started

We're here to help you make exciting decisions.

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