Making your first home dreams a reality.
Buying your first home is an exciting milestone, but navigating the process can feel overwhelming. We’re here to guide you every step of the way, from understanding your borrowing power to securing the right loan for your needs. With access to a wide range of lenders and exclusive first-home buyer incentives, we’ll help you make informed decisions and get into your dream home sooner. Let’s turn your homeownership dreams into reality!
Our expert team holds an extensive wealth of knowledge on the mortgage market, loan products, as well as lending policies. We’ll guide you through your home loan options, clearly explaining the differences between each product, so you can make confident, informed decisions.
Our team of brokers will walk you through the entire process, making navigating purchasing your first home easy, seamless and hassle free.
Speak to one of our award winning brokers that can assist you with obtaining a home loan pre-approval.
Start searching for your dream property using online platforms, attending inspections, and shortlisting real estate options.
Engage a trusted conveyancer to review the contract of sale and ensure a smooth transfer. We recommend Homecall Conveyancing.
Submit an offer on your dream property. Negotiate favorable terms with the vendor, supported by your broker or experienced real estate agent.
Smart Lending finalises your loan with formal approval, ensuring a smooth, seamless process for successfully securing your new home.
Schedule a comprehensive building and pest inspection to ensure your property is in good condition before moving ahead with the purchase.
Sign the contract of sale to secure your dream property. Our expert team will guide you through this crucial and important step confidently.
Pay the deposit as agreed with the vendor. This step confirms your commitment, secures the property, and sets the foundation for settlement.
Organise home insurance to begin on the day you settle on your property, ensuring full protection and coverage from day one onwards, securing your investment.
Pay stamp duty (if applicable), a necessary cost in property transactions, and ensure all legal obligations are met promptly.
Settle on the property and pick up the keys to your dream home, marking the beginning of your new journey and exciting adventure.
Discover how we’ve helped our clients achieve their goals. Watch this testimonial to see the impact we’ve made firsthand.
We are all unique and have different requirements when it comes to our finances and borrowing needs.
Get in contact with our team today so we can tailor your servicing to your unique individual needs.
Usually between 5% – 10% or 20% of the value of the property, which you pay when signing the Contract of Sale.
If you’re struggling to save for a deposit, many first home buyers are utilising using a guarantor or receiving a non-refundable gift.
Speak with our first home buying specialists today to discuss your options for a deposit.
Most lenders offer flexible repayment options to suit your individual pay cycle.
When purchasing a home, there are a number of fees and costs involved. To help avoid any surprises, the list below sets out a variety of the costs that come when purchasing a home. At
Stamp Duty
Legal/conveyancing fees
Building Inspection
Pest Inspection
Lender costs
Lenders Mortgage Insurance costs
Additional ongoing costs (council and water rates, building insurance, and contents insurance)
Our summary of loan types and features will help you learn about the main options. There are hundreds of different home loans available, so let us provide a short-list of the most suitable loans for your individual needs.
Your repayments will depend on the loan size, interest rate, and repayment type on your home loan. Contact us today, so we can help with calculations based on your circumstances.
This is a grant available to Australian citizens or permanent residents who wish to buy or build their first home, which will be their principal place of residence within 12 months of settlement. Contact us directly to find out more about eligibility requirements in your state and how much grant money or stamp duty concession you could receive.
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