Buying Your First Home and How We Can Help

Buying your first home can be both exciting and scary, and that’s okay. It’s a major step and it’s supposed to be considered carefully. Fortunately, we are here to help you make the process much easier. After all, this is one of the first steps in planning the rest of your life.

So, how can we be of assistance in buying your first home? To start with, we can provide you with all the necessary information you need to help make buying your first home easier.

We will be particularly helpful in answering questions involving:

  • Eligibility for government grants
  • The main steps involved in buying a house
  • The needed amount of deposit
  • How Lender’s Mortgage Insurance (LMI) works
  • The amount that can be borrowed to buy a house and should be actually borrowed to do so
  • The effects of rising or falling interest rates on clients in the short and long-term 
  • The differences between long term fixed and variable mortgages 
  • Whether to get pre-approval of home loans before looking for a house
  • Choosing which mortgage is right for the buyer and their goals

We would be happy to help address all of those issues with you so that you can make an informed decision. When armed with the right information, buying your first home becomes a lot less stressful.

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Accredited Brokers

Accreditation is an incredibly big deal when talking about engaging with brokers to help you buy your first home. To start with, it means that they actually know what they are doing and will be able to help you with your specific needs.

It also means that everything they do would be above board and beyond legal scrutiny.

The last thing you want is to find out later that your mortgage broker cut some corners to get you your first home. Not only would that be a source of stress, but it can also put your ownership of your home in question.

Paying for the home is stressful enough. You don’t need to be doubting whether or not you’ll be able to keep the house, in the end.

 

Wide Selection of Lending Partners

Through us, you can gain access to a selection of lending partners that are not only numerous but are also varied and flexible. You never want to be boxed in with your choice of lender and feel as if you have no other option.

You won’t have to worry about that with us.

We can help you get the best rates from partners such as AFG Business, Westpac, Thinktank, and Plenti. Those are just some of the institutions that we work with, as well. 

Aside from having plenty of lending partner options, though, we also ensure that clients have access to marketing-leading rates. Only the most suitable choices will be considered, particularly with regard to the financial aspect of the transaction.

30 Years of Experience

We have been helping clients with their financial needs for close to three decades. During that time, we have accumulated quite a bit of experience and have gathered considerable resources, connections, and talented individuals. These allow us to serve prospective homeowners who are looking to buy their first house.

Our experience helps us guide clients to find not only the best lending institutions but also to ensure that the conditions are suitable for their needs. Market-based rates are important, but so are the options that should be available to clients. We are fully capable of balancing opportunities and financial concerns.

Being in the industry for 30 years has also allowed us to gain a unique perspective as to market trends, lending patterns, and interest rate fluctuations. It’s incredibly important for us to understand where the market is going. This allows us to serve first-time home shoppers to the best of our ability.

No Commissions

The brokers who work at The Finance Agency are paid in salary rather than commission. This is a critical factor to highlight because it can make all the difference in the world. By not having to rely on making big sales to earn money, our brokers will be able to focus on only helping clients.

One of the ways in which this can manifest is not pushing clients to take on mortgage loans that they can’t handle to purchase homes they can’t afford. This would be quite the difference compared to commission-based real estate.

Another point to this arrangement is that brokers can take their time with clients who are searching for that perfect first home. There is no need to rush because no one is losing money with the steady progress. 

As such, home shoppers will be able to find the home that suits their needs best with what is available in the market.

 

Fast Turnaround Times

Last but not least, we have incredibly fast turnaround times for loan applications. We can help clients get in touch with banks or other lending institutions quickly. They can then approve the applications quickly once all of the requirements have been met.

Clients don’t have to languish for days or weeks in uncertainty, only to find out they’ve been rejected in the end. More importantly, we can make sure that the approved rates and conditions are perfect for you.

As a result, clients will get their first home faster and with fewer complications.

Conclusion

Thanks to the vast experience, the huge network of lending partners, and the talented team of brokers at The Finance Agency, we are equipped to help first-time homebuyers find their dream house. Our first priority is to make sure that clients find the perfect applications and rates to ensure a truly successful transaction.

We are also a well-spring of information with regard to the actual process of buying a first home. We can help guide buyers through the steps involved and simplify the process so that there will be no mistakes in completing the applications. Thanks to our brokers getting paid via salary instead of commissions, there is no rush to find that perfect home, as well.

Need help in buying your first home? Don’t know where to start? Contact us today at The Finance Agency and we’ll assist you and get you settled in.

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It could be as simple as you need access to a loan to complete a transaction, or just a sounding board for an idea. It could be that you want to plan the growth of your business and see how debt and finance can help you get where you need to be. Whatever the case may be, it certainly doesn’t hurt to pick up the phone and have a conversation with us.