First Home Loans
Everything you need to know about the First Home Grant in Australia.
Top 12 first home mortgage myths exposed!
Find out what first home owners grant you may qualify for. Take the quiz.

Putting yourself in the best light when buying first home

When applying for first home loans it is important to put yourself in the best light.  Lenders need to see that you meet the criteria and are able to repay the loan before they will approve finance.  Try to be precise and use exact figures when you talk about savings, income and repayments.  Guessing is not a good look.  Show the lender that you are prepared and have worked out a careful budget.  Applying for a first home loan

When you go to a lender, ensure that you know your facts.  You need to know what you want, and then put forward your best case.

Ensure you know:
•    How much you are looking to spend
•    Your budget for repayments
•    What type of home loan you need and what conditions you require
•    You have a buffer in case rates go up

Dynamite documents
Make sure you have all of your supporting documents on hand.  This includes your exact income, your expenses, clear working for your budget, how much you earn, how much your repayments could be.  An organised person who can verify all their financial claims is in a strong position when applying for a home loan. Financial institutions prefer to lend to customers whose finances are under control.

First Home Owners Grants

Make sure you get every cent you can under the new FHOG. Complete the form to speak with a First Home Grants mortgage broker specialist.
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Home Loan Process
Lenders will require for you to pass their credit scoring system.  This is based upon your income, expenses, savings history, credit history and personal documentation.  Ensure that you can verify your income.  This means showing payslips and a letter from your employer.  If you are self employed then provide your tax returns and your accountant’s details.  Approval for a home loan will depend upon you providing enough evidence to support your past credit and savings record, and your ability to meet repayments.

Tip:  Organise your deposit, reduce or eliminate other debt, and keep a solid savings history.  This will set you apart from other mortgage applicants.


First home loan buyers, a mortgage broker can assist you when applying for a home loan.  If you need approval fast, call to find your nearest broker.

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First Home Grants

Get the Most out of your FHOG

The top five ways to maximise the first home owners grant and get the true benefits. 

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What you you wanted to know about FHOG but were too afraid to ask!

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