First Home Buyers
Guidance for making smart decisions for your future
Contact us for a free consultation.
We make the first home loan process smooth so you can stress less and get back to dreaming about your first home.
A milestone that is both exciting and daunting, buying your first home should be something you look back on as a great decision. There are a number of common mistakes first home buyers make, such as going with the bank they have always used without realising how competetive the market can be. We guide our Clients into smart financial decisions that pay off in the long run.
We promise you
- Smooth process
- Ways to save
- Ample options
We leave no stone unturned in our efforts to find you the best deal. We identify any grants and benefits available to you and take up all the paper work in processing your applications. Our service to you is completely FREE from beginning to end- we advise you on the costs associated with your Loan but never charge for our service to you.
Additionally, we provide a comprehensive overview on your financial status- calculating repayments, taking into account all aspects of your finance- ensuring your dream becomes a reality.
Family pledge loans
Helping your kids get into a property sooner- isn’t that something we’d all love to do? Family pledge loans, otherwise known as a family guarantee loan, allows a family member to offer a property they own as security for the bank.This means that in the unlikely event that the loan defaults, the bank sell the purchased property and if there is a shortfall in paying back the loan, the bank can call on the family member’s asset (the family guaranteed amount) to retrieve the outstanding money. If a family pledges your loan, you don’t need such a large deposit and can therefore purchase sooner- freeing you from some stress. Additionally, Lenders mortgage insurance can be avoided by taking out a loan with a Family Guarantee. There are personal issues to consider, plus lenders qualifying criteria, varying loan policies and security restrictions and these all vary depending on the lender. It’s our job to know the ins and outs of each deal so that you can read the potential rewards of a Family Pledge Loan. Guidance and specialist advice is highly recommended for this process to be smooth and beneficial for all parties involved.