Let’s buy a home together.
There are so many home loans to choose from, with new ones always being introduced, not to mention special offers and other ‘deals’.
As a broker, we’ll not only help you find a loan that suits your particular needs, but we’ll also help you complete the paperwork and submit the application for you.
It’s why over 70% of Australian borrowers now use a broker to secure a home loan. Before you use a broker you might like to get a better understanding of what’s available by visiting our Different Loan Types page.
If you want to get a better idea of your borrowing power and what your likely repayments might be, try out our Online Calculators.
At anytime on your home buying journey, feel free to give us a call or email us and we’ll do everything we can to make it easier for you.
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6 tips for home buyers.
Define your budget.
Determine how much you can afford by assessing your financial situation, including your income, existing debts, and future expenses.
Consider additional costs like property taxes, homeowners insurance, maintenance, and potential renovations.
Understand the terms of the mortgage.
Understand the difference between fixed-rate and variable-rate mortgages and choose the one that aligns with your financial goals.
Be aware of additional costs like discharge (closing) fees and consider getting pre-approved for a mortgage to strengthen your negotiating position.
Research the neighbourhood.
Investigate the neighbourhood where you plan to buy. Look into safety, schools, amenities, proximity to work, public transportation, and shopping centres.
Visit the neighbourhood at different times of the day to get a sense of the environment.
Consider future resale value.
Even if you don’t plan to move anytime soon, it’s essential to consider the home’s resale value. Choose a property that has the potential to appreciate in value over time.
Research the real estate market trends in the area to gauge its long-term stability.
Get a home inspection.
Hire a qualified home inspector to evaluate the condition of the property. This can help identify potential issues with the home’s structure, plumbing, electrical systems, and more.
The inspection report can provide valuable information and may be used in negotiations with the seller.
Negotiate effectively.
Feel free to negotiate with the seller, especially if the inspection reveals issues that may require repairs.
Be clear about what repairs or improvements you expect the seller to make before closing, and ensure these terms are clearly outlined in the purchase agreement.
Need a home loan?
Whatever your circumstances, we will look for a loan that’s right for you, not the lender.
Send through a quick enquiry and we will be in touch.
Speak to us today