Home Loan

Owning your own home is one of the most exciting things that you will experience in your lifetime. Make sure you enjoy the process by taking the time to understand all of the steps first. We’ll be here throughout the entire process to help you and offer you personalised service and support.

Your home buying journey



Whether you’re just curious, or wanting to buy a home soon, the first step is to understand your potential borrowing power.



Once we begin organising your home loan, you can begin house hunting.



We’ll help you get the necessary approval so you can buy or bid with confidence.



Purchase your home and finalise all the paperwork, nearly there.


Getting the keys!

You are an official homeowner, it’s time to plan the housewarming.

Step-by-step guide to owning your home

When thinking about purchasing a home, consider some of the following:

1. Get loan pre-approval

Having a deposit saved enables you to take the first step in seeking finance for your home. When you know exactly how much you can borrow, you can begin your search. We do the pre-approval stage for you so you don’t have to worry about contacting lenders or filling out forms.

2. Choosing a home to buy

Most people have an idea of where they want to live. You can start your search by visiting real estate agents, or by going online.

3. Make an offer

Make an offer via a private sale, or bid at an auction.

4. Offer accepted

If your offer or bid is successful, the real estate agent will provide a copy of the contract for sale which you should give to your legal representative to check. Once signed by both parties, the contract becomes legally binding.

5. Final loan approval

Once your final loan has been approved, you will be required to sign the final loan documents for the balance of the purchase price. We’ll do all the work to get your loan formally approved by your chosen lender.

6. Insurance

Your lender will require you to obtain building insurance.

7. Final inspection

Arrange for a final property inspection before settlement date. Thoroughly check everything included in the contract of sale is in working order and in the agreed condition.

8. Settle your loan

Settlement happens when your deposit is transferred to the seller and when the agreed loan amount is paid on your behalf from the lender.

9. Get the keys

Once settlement has taken place, your conveyancer or agent will notify you and you can then get the keys.

If you’d like us to go through all the steps it takes to own your own home in more detail, please give us a call. Remember, we’ve done this many times before so we know all the ins and outs.

Happy house hunting!