First Home Buyer’s Guide
The experience of buying or building your first home can be both exciting and overwhelming. We’ve put together our best tips to help you navigate the process smoothly.
Tips and Advice for First-Time Home Buyers
First Home Buyer Guide by Your Trusted Mortgage Broker
Welcome First Home Buyers!
Buying your first home is an exciting journey, but it can also feel overwhelming. As an experienced mortgage broker, GoEazy Finance is here to guide you every step of the way. Here’s how we make it simpler for you:
1. Know Your Borrowing Power
Know Your Borrowing Power
Understanding how much you can borrow is the first step. We’ll help you:
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Calculate your borrowing capacity.
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Understand how lenders evaluate your income, expenses, and credit history.
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Find out if you're eligible for loans with smaller deposits (as low as 5%).
2. Maximise First-Home Buyer Benefits
Maximise First-Home Buyer Benefits
We help you navigate the government support programs available:
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First Home Owner Grant (FHOG)
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First Home Guarantee (FHBG)
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Family Home Guarantee (FHG)
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Regional First Home Buyer Guarantee (RFHBG)
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New Home Guarantee (NHG)
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Stamp Duty Concessions: Understand exemptions or discounts offered to first-home buyers.
3. Explore Loan Options
Explore Loan Options
Not all home loans are created equal! Our mortgage experts compare hundreds of products to:
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Find the best interest rates for your financial goals.
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Identify flexible features like offset accounts, redraw facilities, or fixed vs. variable rates.
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Match your unique needs with tailored loan solutions.
4. Understand the Costs
Understand the Costs
Buying a home involves more than just the deposit. We’ll break down: <br>
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Legal and conveyancing fees.
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Inspection and valuation costs.
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Lender's Mortgage Insurance (LMI) if applicable.
5. Get Pre-Approval
Get Pre-Approval
A pre-approval helps you shop with confidence. We’ll handle the paperwork and lender negotiations, saving you time and stress.
6. Secure Your Dream Home
Secure Your Dream Home
Once you’ve found the perfect property, we’ll guide you through:
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Making an offer.
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Reviewing contracts.
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Ensuring a smooth settlement process.