What you can borrow, what you need saved, which grants you qualify for, and what it all costs once the extras are in. Then we get you pre-approved.
Borrowing capacity across several lenders, which differ more than you'd expect.
What 5%, 10% and 20% each mean for your repayments and up-front costs.
Stamp duty concessions and government guarantees you may qualify for.
Bid or negotiate knowing the finance is solid.
Plenty of first home buyers put the conversation off because they think they're not ready. Usually they're closer than they think, and if not, we'll say what to fix and how long it takes.
That's enough for a first conversation. Estimates are fine.
Often yes, with lenders mortgage insurance, or without it under a government guarantee if you're eligible. We'll show the cost difference either way.
Yes. It reduces assessable income, and lenders treat it differently. It's why the same applicant gets different answers from two banks.
Yes. It sets your ceiling and lets you move quickly. Most last three months and can be extended.
Stamp duty (if not waived), conveyancing, building and pest, loan and registration fees, insurance and moving. We'll give you a figure for your purchase.
Twenty minutes and you'll know where you stand.