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Additional costs may include stamp duty, conveyancing, building and pest inspections, registration fees, lender fees, Lenders Mortgage Insurance, moving expenses, and an emergency buffer. We help you map out the likely costs early so there are fewer surprises before settlement.

HECS debt or a lower credit score does not automatically prevent you from obtaining a home loan, but it may affect your borrowing capacity and lender options. We assess your situation before applying and help you understand the most appropriate next steps.

Eligibility for first home buyer grants, guarantees, and stamp duty concessions depends on factors such as your location, income, property value, and previous property ownership. We can help identify the programs relevant to your circumstances and explain how they may affect your purchase.

Approval timeframes vary between lenders and depend on the complexity of your application and whether all required documents are available. We prepare and review your application carefully, keep you updated, and work with the lender to minimise avoidable delays.

Pre-approval is a lender’s conditional indication of how much you may be able to borrow based on the information available at the time. Full approval occurs after the lender has assessed the selected property, completed any required valuation, and confirmed all supporting documents and lending conditions.

A mortgage broker helps compare suitable loan options, prepares your application, and communicates with the lender throughout the approval process. Brokers are generally paid a commission by the chosen lender, and any applicable commissions or client fees will be clearly disclosed before you proceed.

The deposit required depends on the property, lender, and any first home buyer schemes you may qualify for. Some buyers may be able to purchase with a smaller deposit, while a larger deposit can reduce costs such as Lenders Mortgage Insurance and provide more lending options.

Your borrowing capacity depends on your income, living expenses, existing debts, deposit, credit history, and the lender’s assessment criteria. We review your full financial position and give you a realistic borrowing range before you begin making offers.