Things we’ll explore in our first chat:
Goals: understanding what you’re looking for
Borrowing power: how much you can comfortably repay
Structure: fixed vs variable, split loans, offset, redraw
Pathways: first home buyers, grants and lenders
Timing: getting to pre-approval and what comes next
This is for you if:
You’re buying your first home, upgrading, downsizing or building.
This is for you if:
You’re buying your first home, upgrading, downsizing or building.
To explore in our first chat:
Goals: understanding what you’re looking for
Borrowing power: how much you can comfortably repay
Structure: fixed vs variable, split loans, offset, redraw
Pathways: first home buyers, grants and lenders
Timing: getting to pre-approval and what comes next
Home Loan
FAQs
Home Loan FAQs
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Many buyers aim for 20% to avoid lender’s mortgage insurance, but some lenders allow deposits as low as 5% depending on your situation. We’ll map out realistic options and the trade-offs.
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Pre-approval is an initial lender assessment of your borrowing power. Full approval happens after you’ve found a property and the lender has reviewed the contract and valuation.
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Fixed can bring repayment certainty; variable can offer flexibility (like offset/redraw). We’ll help you choose based on how you live, earn, and plan — not guesses.
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It depends on your documents, the lender, and whether you need a valuation. We’ll give you a clear timeline and keep things moving.