We do all the hard work for you. All you need to do is just give us a call and let us help you!
We will assess your financial situation and advise you on the best option for you through thorough assessment of all aspects of your financial profile past, present and future.

Once you decide to go ahead, supply the required documentation and we will lodge the loan
for a quick and easy approval.

There are few banks that will only require a 5% deposit. However, you may need to pay LMI (Lenders Mortgage Insurance) which is a one off payment. You need to pay a 20% deposit to avoid paying LMI.

You will not need a deposit if your parents act as a guarantor and guarantee your loan using their property as security.

You can use a Deposit Protect Bond at multiple auctions or by private treaty.

Other costs include but may not be limited to:

• Conveyancing and legal costs
• Government fees: including stamp duty (although this can be included in the loan).
  You do not need to pay stamp duty if you qualify as a first home buyer.
• Title search and registration fees
• Pest and building inspections

An offset account is a normal day-to-day transaction account which is linked to your home loan which offsets its balance. This means you only pay interest on the home loan balance minus the amount in your offset account, saving you a significant amount of interest over the period of your loan term.

Pre-approvals are usually valid from between three to six months. If your pre-approval expires before you find a property, then we can apply for an extension.