First Home Buyers

At The Loan Home, we're Finance & Mortgage Brokers based in Randwick, NSW helping clients access Home Loan Options, First Home Owner Grants and Incentives

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Understand your Home Loan options, Grants and Incentives to get into your First Home

Buying your first home is likely to be one of the largest purchases you'll make. In Australia, First Home Buyers can take advantage of the current market conditions as well as generous Government Incentives (including the first home owner grant) to get on the property ladder.

We've worked with clients across Australia to access the different first home owner grants (FHOG) as well as the various stamp duty and other concessions that may be available depending on which state you are in. We can talk you through your various options as well as helping you compare things like buying vacant land vs. an established home. You may also be eligible for the Home Guarantee Scheme which can make a big difference in the type of property you may be able to purchase.

Understanding the process to buying your first home is critical as well as understanding how much you can borrow and how much you should borrow. We've been supporting First Home Buyers through the purchasing process for years and can help guide you through purchasing your first home.

We're a proud member of the Mortgage and Finance Association of Australia and can help First Home Buyers right across Australia. If you're looking to buy your first home, we have the expertise and experience to guide you through the process and make the right choice.

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Buying your First Home

Initial Consult

We’ll meet, either in person or via an online meeting, to discuss your current financial situation, all your hopes and dreams, and what is most important to you in a Bank or Lender.

Preliminary Assessment

We will then request all of the information required to complete a financial assessment. Think bank statements, payslips etc. We know - this part might trigger bad memories! But we are here to make it as simple as possible.

Review Options

We then review various banks and lenders offers in the market to find the most suitable home for your loan. And of course reduce your Interest Rate, and any other costs, as much as possible!

Get It Done

We’ll talk you through all the important bits, help you to choose your new loan home, and to complete the formal documentation. Then we’ll hold your hand all the way to settlement and beyond.

Book Appointment

AP

Adam Price

Jess was amazing with supporting me throughout the process. Jess liaised directly with my bank and created an effortless task. Thanks a million Jess!

GB

Gemma Banning

Jess was a delight through this process. Considerate of my financial situation and needs when it came to finding the right home. Ongoing support post property purchase was more than I expected, I would recommend her to anyone that’s looking to buy/invest.

HF

Helen Frohloff

The whole process of purchasing a home is quite scary especially when navigating a new life as a single mum after separation...Thankfully I was referred to Jess and I couldn't be happier. She is such a beautiful human being who is reliable, ...

Frequently Asked Questions

Can you help with Business Lending?

We’re Commercial Bankers from way back! We’ll find you the policy, pricing and terms you need for your:

• Asset and Equipment Finance
• Business Purchases or Shareholder buyouts
• Cashflow Financing requirements including Trade Finance
• Specialised industry lending e.g Pharmacy, Childcare, Professional Services

Can you help with Self Managed Superfund (SMSF) Loans?

They’re known to be tricky but we’ll work with you, your Accountant and your Solicitor to make it as simple as possible. Talk to us about purchasing property in your Self Managed Super Fund.

Are you able to help finance Commercial Property?

It’s our jam! We love it. We can help with all of your commercial property lending requirements. Whether it’s a warehouse, an office space, a pub, daycare or pharmacy – we’ve done it all before!

• Purchases and refinances
• Investors and Owner occupiers
• Fit Outs
• Commercial construction and development

Not sure what kind of loan you need?

Not sure what kind of loan you need for your current financial circumstances? That's our job. We take the time to deeply understand your current financial position and needs so that we can deliver tailored finance solutions chosen from a panel of leading lenders. Talk to us today - we will help you to make sense of what you need and what options are available to you.

How can we help?

There are literally hundreds of loan products on the market today and it is our job to help you find the right solution to suit your needs. We can help first home buyers, next home buyers, refinancers and investors. We also have extensive experience supporting Business owners with all of their cashflow and lending needs. Have a look below to see what kind of services we offer, or call us to discuss your specific requirements.

Do you help with residential property finance?

It’s our bread and butter – we are here to help with all of your standard residential lending requirements.

• First home buyers, next home buyers, property investors or refinancers
• Debt consolidation, top-ups, equity access
• Residential construction and development

Ready to get started?