What is your expected purchase price?
What if I'm unsure?
Understanding your price range allows us to tailor loan options to your unique situation. Don’t worry if you’re not sure about the exact amount; an estimated figure based on the property type and location you're considering is a great start.
How much deposit do you have?
Understanding your LVR
Your deposit plays a pivotal role in your home-buying process, influencing your mortgage amount and the interest rates you're eligible for. It's also vital for calculating your Loan-to-Value Ratio, or LVR, which assesses the health of your loan against the property's value.
A lower LVR can lead to better loan rates and terms, reflecting the equity you could have in your home. Share your saved deposit amount with us, and let's work together to secure your ideal loan options.
What best describes your home buying situation?
Are you a first home buyer?
First Home Buyer
Taking your first step into home ownership is an exciting one, and you’re not alone in this. We can help you find out if you’re eligible for government grants like the First Home Owners' Grant (FHOG) and initiatives such as the Home Guarantee Scheme (HGS) to support your purchase.
These programs may significantly lower the barriers to buying a home by offering benefits such as a one-off payment towards your deposit or the possibility to buy with a smaller deposit without paying Lenders Mortgage Insurance (LMI).
Speak to your local Aussie Broker to learn more and see if you qualify.
What kind of property are you looking to buy?
How will this property be used?
Offset/Redraw — Both of these features can help lower the amount of interest charged on your loan. An offset account is a savings account directly linked to your home loan. A redraw facility allows you to access funds from any extra repayments you've made. This additional money offsets what you owe on the loan and can reduce the monthly interest charged. Plus, you can still access these funds anytime. Fixed rate — A fixed rate home loan has a set interest rate and loan repayment amount that stays the same for an agreed period of time, regardless of market changes. At the end of the term, typically 1 to 5 years, the fixed rate will switch to a variable rate. Mobile app — We work with a number of lenders who have mobile apps. These apps typically allow you to check your home loan balance 24/7 and transfer funds easily.
What do you think your credit history is?
One last thing, what's your first name?
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