FINANCE
Due to the huge demand for titled land, you will be required to get your financials considered first. This will allow us to start working on selecting the best home solution for you and your family while being mindful about your budget.
Once we have your financials we will arrange to meet with you and your family in our offices to start going through your property options.
We understand that buying your first home can be daunting and we are here with you every step of the way.
PACKAGING YOUR NEW HOME
With your borrowing capacity amount we can then start the process of structuring the right home for you and your family.
The property we offer you will be based on your borrowing capacity, we don’t want to offer you a home that creates financial stress on you or your family.
Once your brand new home design and land has been selected, you can secure your home. Time is of the essence as you can imagine land is limited and we don’t want you to miss out.
TITLED LAND
We only have a limited number of titled blocks available and our developers are selling through titled land at a rapid rate.
Surprises are for birthday parties, not home ownership and we will ensure there are no surprises.
HOW TO GET STARTED
Kickstart your journey towards home ownership. On your first call, we’ll tell you what information we need to help you get into your first home.
WHAT TO EXPECT
We will call you and answer all the questions we can. If this is the right solution for you, you will be asked a few questions about the area you’d like to live in, the property that you see you and your family purchasing.
FINANCIAL REVIEW
After your first call to better understand your situation you will then be referred to financial review, at that stage all of your financials will be gathered to better understand your ability to borrow.
At no time during the review stage will your financial information be used to get you a loan, our mortgage brokers are merely going to look at you capacity so we can work together to achieve your goal of purchasing your first property.
Being able to show all your sources of income is vital to reviewing your situation. Whether it’s long term stable income or fluctuating income as your work opportunities change, it’s important to have the documents below:
- Pay slips/invoices for at least three months
- Tax returns that are for the period within the last 18 months.
PROOF OF CURRENT DEBTS
Lenders take pre-existing debt into consideration when reviewing the type of home loan that best suits you. Credit cards, store cards, car loans and other loans all contribute towards your current situation.
PROOF OF ASSETS
Make sure you have created a list of any assets you own. Cars, contents & shares are all considered assets.
APPOINTMENT
Once your review is completed we will arrange a time to meet you, at that stage we can start the process of selecting the right property.
