Buying your first home is an exciting milestone, but it can also feel overwhelming. From saving for a deposit to navigating the mortgage process, the path to homeownership can seem daunting.
The good news is there are plenty of solutions to help you get into the property market, even if saving 20% feels like a daunting task.
We provide first-time home buyer choices with minimal or no deposit requirements .It may be closer than you think to become a homeowner with the correct advice and loan arrangement. Your dream of owning a home can come true without having to wait years to save up thanks to government incentives, guarantor loans, and low-deposit options.
When it comes to purchasing your first home, understanding your budget is crucial for securing the right loan. Begin by determining your borrowing capacity, considering factors such as income, expenses, and any existing debts. Next, factor in upfront costs like the deposit, stamp duty, and other associated fees. Be sure to plan for ongoing costs such as mortgage repayments, home insurance, and maintenance. It’s important to strike a balance between the home you want and what you can afford, ensuring you can comfortably manage repayments without stretching your finances too thin. Working with a financial advisor or lender can help clarify your options, making the process of buying your first home smoother and more manageable.
Buying your first home is a big milestone, and luckily there’s a range of government grants and support schemes available to help you get there faster. The first step is to know your budget — work with a mortgage broker to understand how much you can borrow and use our deposit calculator to figure out how much you’ll need to save.
Once you have a budget, it’s time to find the right suburb. Tools like CoreLogic’s Market Mapping and Homely can help you compare local property values, community vibes, and liveability.
From there, you can start searching for the right home. Check out Walk Score to see how walkable a neighbourhood is and ask your broker for a property valuation to make sure you’re not overpaying.
There’s also a wide range of government support available:
Finally, when you’re ready to move forward, take time to finalise your loan wisely. Remember, factors like your income, family setup, and job type can also impact your eligibility so it pays to plan ahead.
Need help? We’re here to support you from budgeting to settlement.
Choosing the right suburb for your next move is a crucial decision that goes beyond just finding a house. It’s about finding a location that fits your lifestyle, budget, and future needs. Start by evaluating property prices in various suburbs to ensure they align with your budget, keeping in mind additional costs like utilities and council rates. Consider the availability of key amenities such as schools, healthcare, shopping centres, parks, and public transport, as well as how close the suburb is to your workplace and social activities.
Safety is another important factor, so research crime rates in the area to ensure it’s a secure place to live. Additionally, look into the suburb’s potential for future growth, as an up-and-coming area can offer increased property value down the line. Finally, think about the community vibe—whether you’re seeking a quiet, family-oriented environment or a vibrant, social scene. By weighing all these factors, you can find a suburb that suits both your immediate needs and long-term goals.
Finding the right house for you is a significant decision that requires careful consideration of various factors. Start by determining your budget and borrowing capacity to ensure you can afford the house you want. Next, think about the size and layout of the house—does it suit your current needs and potential future plans? Consider the number of bedrooms, bathrooms, and living spaces, as well as whether the property offers room for growth if you plan to expand your family.
Location is key, so make sure the house is in a suburb that aligns with your lifestyle, offering convenient access to work, schools, shops, and public transport. Don’t forget to consider the condition of the property look for potential maintenance issues or areas that may require immediate repairs. Finally, think about long-term investment value how will the property hold up over time, both in terms of its physical condition and its location's growth potential? By evaluating these factors, you can find a home that meets both your immediate needs and future goals.
Finalising your loan is a critical step in securing the property you’ve chosen and ensuring you’re set up for financial success.
Here are the key points for finalising your loan:
These steps ensure you’re fully prepared to finalise your loan and proceed with your property purchase confidently.
Let’s start by taking a good look at your finances together by understanding your income, expenses, and goals, we can create a solid plan to help you find the right loan that fits your needs.
At this stage, it’s essential to explore the various loan options available to you, We will guide you in identifying the loan that best aligns with your needs and financial goals.
Finding the right broker can make a significant difference in you loaning experience. We can help you connect with a knowledgeable broker through the process and secure the best options for your financial situation.
Achieving loan approval is within reach! We will guide you through entire process, from gathering the necessary document to finalising your application, we will secure your loan smoothly.
Designed by Insil
Dasht Pty Ltd T/A Dasht ABN 90 665 645 296. Credit Representative 491272 is authorised under Australian Credit License 384704. Your full financial situation would need to be reviewed prior to acceptance of any offer or product.
