overview
First Home Loans: Making Your Homeownership Dreams a Reality
At Deals4Loans, we understand that buying your first home is an exciting yet often overwhelming experience. Our First Home Loan services are designed to guide you through every step of the process, helping you secure the right loan to turn your homeownership dreams into reality.
Why choose
First Home Loan with Deals4Loans
Specialized Expertise
Our team has extensive experience in helping first-time buyers navigate the property market.
Access to Multiple Lenders
We compare a wide range of lenders to find the best rates and terms for your situation.
Government Scheme Knowledge
We’re up-to-date with all the latest first home buyer grants and schemes to maximize your benefits.
Lower Deposit Options
We can help you explore low deposit home loans, potentially allowing you to enter the market sooner.
Personalized Guidance
We offer step-by-step support throughout your entire home buying journey.
key features
First Home Loan Features
Competitive Interest Rates
We negotiate on your behalf to secure the best possible rates.
Flexible Loan Terms
Options for variable, fixed, or split rate loans to suit your financial situation.
Low Deposit Options
Possibilities to buy with as little as 5-10% deposit, subject to lender criteria.
Lenders Mortgage Insurance (LMI)
We can help you understand and potentially minimize LMI costs.
Offset Accounts and Redraw
Access to money-saving features to help manage your mortgage effectively.
STEPS
Our SMSF Loan Process
Initial Consultation
We discuss your homeownership goals, financial situation, and borrowing capacity.
SMSF Assessment
Our experts analyze various loan products to find the best fit for your needs.
Loan Option Comparison
We determine which government assistance programs you may be eligible for.
Loan Recommendation
We present you with tailored loan options, explaining the benefits and terms of each.
Application Support
Our team assists you in preparing a strong loan application, including all necessary documentation.
Approval and Pre-Settlement
We liaise with the lender to secure approval and guide you through the pre-settlement process.
Settlement and Beyond
We ensure a smooth settlement process and provide ongoing support as you begin your homeownership journey.
First Home Buyer Resources
As part of our commitment to empowering first home buyers, we offer:
Free home loan consultations
First home buyer seminars and webinars
Downloadable guides on the home buying process
Calculators to estimate borrowing capacity and repayments
Tax Saving Mutual Funds
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Strategy Building
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Customers Support
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Government Assistance
We Can Help You Access
First Home Owner Grant (FHOG)
We’ll check your eligibility and assist with applications for state-specific grants.
First Home Loan Deposit Scheme (FHLDS)
Guidance on applying for this scheme which allows eligible buyers to purchase with a deposit as low as 5%.
First Home Super Saver Scheme (FHSSS):
Advice on using your super contributions to save for your first home deposit.
Stamp Duty Concessions
Information on potential stamp duty savings in your state.
Freequently Asked Question
How much deposit do I need to buy my first home?
While it varies by lender and property, you may be able to purchase with as little as 5% deposit. We can help you explore low deposit options and government schemes to assist you.
Can I use the First Home Owner Grant as my deposit?
In most cases, yes. However, you’ll typically need to have some savings in addition to the grant. We can advise you on the specific requirements based on your situation and chosen property.
What types of properties can I buy with a first home loan?
First home loans can generally be used for a range of properties including established homes, new builds, and off-the-plan purchases. Some government schemes may have specific property type or value restrictions, which we can guide you through.
How long does the first home loan process take?
The timeline can vary, but typically, from application to settlement, the process can take 4-8 weeks. We work efficiently to ensure a smooth and timely process for you.
Get Started Today!
Ready to take the first step towards owning your first home?
Don’t let the complexities of buying your first home hold you back from achieving your dream of homeownership. With Deals4Loans’ expertise in First Home Loans, you can navigate the process with confidence and ease.
Contact our team today for a no-obligation consultation. Let’s make your homeownership dreams a reality!
Find Us
1c Hamilton street