First Home Buyer Mortgages
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Understand
Professional
Start to Finish
Your finance doesn’t need to be complicated.
We make securing your first home loan easy by going above and beyond to turn one of the most pivotal moments of your life, into a success.
How do we make your first home buyer finance easy?
Chat to Alex
Get in touch with Alex by filling in this form at the top of the page. Alex will give you a call to understand your financial situation and goals. You’ll discuss your income, whether you’re buying your first or second house, credit card status, personal loans and more.
01
Lender Options
Based on the information you provided us, we provide you with three lender options that best suit your situation. If you’re happy with the options, we proceed. If not, we find new lender options for you.
02
Pre-Approval
Once a lender option is locked in, our expert team handles everything the bank requires for your application. Once we hear back and your pre-approval is confirmed, you’re good to go!
03
Securing A Property
After going out and securing a contract on a property, we send your contract to the lender your application is with. We then wait for your application to be formally approved.
04
Settlement
Once you’ve signed and returned your loan offer to the lender, your settlement date gets booked. Congratulations, you now own your first home!
05
Ongoing Support
Despite your home being bought, our job isn’t done. We support you throughout your loan term by checking in to make sure your current lender and rate is still competitive best suited to your current situation.
06
Want to know more about the big picture of buying a house?
First Home Buyer Mortgage Experts who fight for you, not our lenders.
Our small team of expert brokers work with you on a one to one basis to give you the personalised service First Home Buyers deserve. We pride ourselves on being good, genuine people, having real conversations and always keeping your best interests at heart.
Chat With Our First Home Buyer Team
We ensure your Loan Product & Customer Experience is exceptional at every stage.
Our first home buyers mortgages are rated ⭐⭐⭐⭐⭐️ and well awarded for a reason.
Navigating the many options and changing legislation can be confusing. We simplify it and find the best choice for you. With recent changes in SA, you could save up to $38,000 on stamp duty for homes $800,000 and above, plus a $15,000 First Home Buyers Grant!
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Our access to over 35 different lenders and mortgage expertise means we not only find the best loan rates for you, but also the best terms. Sometimes a higher interest rate can be a better fit for your situation!
We get paid a commission by the bank you take your loan from. That money does not come out of your own pocket, nor is it included in your repayments.
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We lose all of our commission if you leave us within the first 12 months of your loan. That means it’s always in both of our best interests to get you the best loan product and customer experience possible.
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The Finance Project.
Not your average broker.
At TFP, we understand that no person or situation is the same. This is why our team of industry experts are dedicated to finding a tailored solution that best fits your needs and goals.
Our clients’ goals and aspirations for their property portfolios and journeys are our project - we go above and beyond to work closely with them and ensure their goals are achieved.
The main reason to our name is that a percentage of all commission earned by the company will be donated to my Mum’s village in the Philippines where we can help put kids through school and support local orphanages. This has been a long standing value and passion of mine and something I hold very close to my heart. So giving back to my roots and helping the next generation is our ongoing project.
Founder of The Finance Project
A mortgage broker acts as a middleman between you and potential lenders, helping you find the best mortgage deals suited to your financial situation and home-buying needs.
You're ready to see a mortgage broker when you're serious about buying a home, have a clear picture of your financial situation, and are seeking expert advice to navigate the mortgage options available to you.
Using a mortgage broker can save you time and money by accessing a wide range of lenders and mortgage products, offering expert advice tailored to your circumstances, and guiding you through the application process. In addition to this, you don’t actually pay a cent for your mortgage broker’s services, the bank you choose for your loan does.
Typically, you need at least a 5-10% deposit of the property's purchase price. However, having a larger deposit can offer more mortgage options and better rates.
LMI is insurance that protects the lender if you default on your loan. It's usually required if your deposit is less than 20% of the property's value. Alex will explain this and what it means for you in more detail over your first call.
While a low credit score can make it more challenging to secure a loan, we can help you explore options and find lenders who may consider your application.
The First Home Owner Grant is a government initiative that provides financial assistance to eligible first home buyers. The amount and what you're eligible for vary by state and territory.
Consider costs like stamp duty, legal fees, building and pest inspections, moving expenses, and potential renovations or repairs.
The approval process can vary, but it typically takes between 1-4 weeks, depending on the lender, your financial situation, and the completeness of your application.
Ready to get started?
