First Home Buyers
Access Home Loan Options, First Home Owner Grants and Incentives while we guide you throught he process. Get help from an experienced Finance & Mortgage Broker at Get Approved today!

Rated 5 from 5 Reviews
Rated 5 from 5 Reviews
At Get Approved, we understand that buying your first home is an exciting yet significant step. As a first home buyer, you might feel overwhelmed with the process, but our team is here to assist you every step of the way. We are committed to helping you access Home Loan options from banks and lenders across Australia. Our goal is to make your journey to owning a home as smooth as possible by offering expert guidance on interest rates, first home owner grants (FHOG), and other essential aspects of the home buying process.
For first home buyers, understanding the financial landscape is crucial. One of the initial steps involves checking eligibility to access lenders mortgage insurance (LMI) waivers, which can save you a considerable amount on your purchase. At Get Approved, we help you explore these options, ensuring you know if you're eligible and how it impacts your loan to value ratio (LVR). Additionally, first home owner grants (FHOG) can provide valuable financial support. We guide you through the application process, helping you maximise any benefits available to you.
Interest rates are another critical factor when applying for a home loan. Whether you're considering a fixed interest rate or a variable interest rate, understanding how these affect your repayments over time is essential. Our advisors are equipped to explain these differences and help you make an informed decision that aligns with your financial situation. We also help identify interest rate discounts that may be available to first home buyers, ensuring you get the best deal possible.
Your credit history and borrowing capacity play significant roles in determining your loan amount. At Get Approved, we review your credit history to give you a clear understanding of your standing with potential lenders. We work with you to assess your borrowing capacity and provide access to banks and lenders nationwide, offering a range of options tailored to your needs. Our streamlined application process ensures that when you apply for a home loan, it's efficient and straightforward.
Understanding additional costs such as stamp duty is also vital when buying a home. We offer guidance on these costs, ensuring you're fully prepared for what lies ahead. If you're considering an offset account or exploring investment loan options for your first investment property, our team can provide the necessary insights and support.
Once you've decided on purchasing a property, getting pre-approved can give you a competitive edge in the property market. It shows sellers that you're serious and financially capable of completing the purchase. We assist you throughout the pre-approval process, making sure all necessary documents such as bank statements are in order.
At Get Approved, we pride ourselves on offering personalised support tailored to first home buyers. From exploring Home Loan options to understanding your financial situation, we are with you every step of the way. If you're ready to take the next step towards buying your first home, contact us today to get pre-approved and start your journey with confidence. Our expertise in accessing banks and lenders nationwide ensures you have the best possible start in the property market.
1. Understanding Your Needs
Your mortgage journey begins with a detailed consultation with your Finance & Mortgage Broker. Your broker will listen to your property goals, whether you’re buying a home, investing in real estate, or seeking a commercial loan. They will assess your financial situation, considering factors like income, savings, liabilities, and credit history, to provide tailored advice on loan options available to you.
2. Financial Positioning
Your broker will request relevant documentation such as bank statements, recent tax returns, and evidence of assets and liabilities to determine your borrowing capacity. They will calculate how much you can afford to borrow, considering important factors like LVR, potential LMI, and interest rates. Your broker will also advise you on how to improve your financial standing if necessary, ensuring you are in the best position to apply for a loan.
3. Comparing Loan Options
Once your financial situation is fully assessed, your broker will begin comparing loan products from a range of lenders across Australia. They will help you weigh the benefits of fixed interest rate loans versus variable interest rate loans, as well as exploring options for offset accounts and interest rate discounts. They will also explain important terms like loan features, fees, and other considerations like the potential for future rate changes or LVR adjustments.
4. Pre-Approval Process
Pre-approval is a crucial step in the property buying process. With pre-approval, you’ll have a clear idea of the loan amount you can borrow, which strengthens your position in the local property market. Your broker will help you gather the necessary documents and submit them to the lender for pre-approval, ensuring the process is as quick and straightforward as possible.
5. Submitting the Loan Application
Once pre-approval is in hand, your broker will help you complete the loan application. They will guide you through submitting all necessary paperwork to the lender, including documents like bank statements, proof of income, and details of existing liabilities. Your broker will communicate directly with the lender to ensure the application is processed quickly, ensuring no delays in getting you the loan you need.
6. Loan Approval & Settlement
After your loan is approved, your broker will review the final loan offer with you and help arrange any necessary insurance, such as mortgage protection insurance. They will also work with you to ensure you understand the terms of the loan and guide you through the settlement process. Your broker will remain available to help you navigate any final hurdles before you complete the purchase of your property.
7. Finalising Ownership
The final step is settlement, when your loan is officially advanced, and you take ownership of the property. Your broker will coordinate with the lender and conveyancer to ensure the transfer goes smoothly. Once the settlement is complete, you’ll officially become the owner of the property, and your Finance & Mortgage Broker will continue to offer guidance to help you manage your loan and stay on track with repayments.
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Vincent Briffa
I have been dealing with James for some time and since he started up " I Challenge " I feel he has been able to focus quickly on my businesses needs. As a small new company I did not tick many of the banks boxes (so to say) it was good to ...
MS
Mollyrose Simmons
Professional, Responsive & attentive. As first home owners, James provided us nothing but support throughout his service. James provided responsive, attentive and professional service throughout the whole home purchasing process. Being ...
BW
Ben Wieland
James helped me obtain finance for a new luxury vehicle. His professionalism and service was fantastic and he went above and beyond. James found me the right financial product for my requirements and he helped ...
We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.
All of our Mortgage Brokers are accredited and members of the Finance Brokers Association of Australasia. They are extremely professional and provide exceptional service across a range of lending options.
We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.
Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.
We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.
Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.