Purchasing your own home is one of the most exhilarating decisions you will ever make in your life.  Buying a house can also be quite costly and time-consuming, making the whole process stressful and confusing for soon-to-be homeowners. However, with expert advice on the most suitable home loan for your financial situation, purchasing your own home can be a breeze!

From A-Z and anything that pops up in-between, our team of mortgage and insurance experts assist with the entire home buying process from start to finish and even after you have moved into your new home!  We start by explaining how the home-buying process works: from making an offer to conditions you should present; from how tenders and auctions work to defining and explaining all the jargons of home buying.  We also provide an ongoing service of assisting you in managing the re-fixing of your mortgage facilities and processing any insurance claim requirements you may have.

We have an extensive knowledge of the property market and are associated with a wide network of lenders who offer various home loan options – it’s our job to make sure you get the best one!  We have a number of allied services we recommend along the way – whether it be arranging a valuation, booking a building inspection or advocating legal advice.

The most exciting part is that buying a home through our service is free.

Interested? Let’s get the process underway…

Loan Applications

Process step 1Loan applications are very easy and we can complete this alongside you.  The initial meeting will involve a basic run down of your income, assets and liabilities.  Once we have an understanding of your current position, along with the required documentation we can qualify who will be the best bank or lender for you and present your application.

Pre-approvals

Process step 2If you haven’t found your dream home, it is highly recommended to seek a pre-approval as your first step. This will give you an idea of how much you can borrow so when you start looking for the perfect home you will have a budget in mind already. Better yet, the seller will find your offer more attractive if you are already pre-approved. Pre approvals are generally valid for 6 months which gives you plenty of time to peruse the real estate market.  Our experts will be in contact before your pre-approval expires to see how the house hunting is going and we can always look to extend your existing pre approval should you need more time.

Approval

Process step 3When you have found your dream home and signed a sale and purchase agreement we help you tick all of the correct boxes to get your final approval. From valuations to home insurance, no stone is unturned to help get your approval unconditional.

Settlement

Process step 4Your lawyer handles the transaction on settlement day. We always touch base to let you know when the funds have been released to your lawyers trust account and we give you a call to make sure everything has gone smoothly.

We also future proof to make sure you continue to get a great deal by diarising for your future re-fix expiry date(s).