Buying your first home is one of the largest financial decisions you will ever make. This is why planning is such an important step in the process.
The first hurdle is determining what you actually can afford – this is where we come in.
We review your overall financial position, provide you with the associated costs of entering the housing market, determine your approximate borrowing power and develop a lending strategy. This will give you a gauge of the size, type and location of the properties you can afford, which will assist with your search.
The next step is obtaining a pre-approval – this gives you a more precise financial limit so you can confidently go property hunting. Once you are ready to take this step, we will present you up to four lenders that suit your requirements. We then decide on the most suitable lender, and we then start the application process on your behalf.
When you have your pre-approval, the next step is for you to buy your first home.
When you have received the contract of sale we will then proceed to submit your loan application and attain an unconditional approval.