How much I can borrow?
Can I get my loan approved before I start looking for properties?
Yes, Pre-approval is a good idea. We can arrange pre-approval for up to 3 months. This will give you confidence when looking for a home with a maximum price that will fit your situation.
How much credit limit should I have on my credit cards?
Ensure credit card limits are at the minimum limit required. Even though you may not use your credit card, the limit is likely to be used by lenders for debt servicing assessment purposes.
Why should I have a House Insurance?
You will need to arrange house insurance prior to your settlement day. Having house insurance is a condition of your home loan. It covers you in case something happens to your house such as a fire. It's also a good idea to have contents insurance, to protect your belongings.
Should I have a solicitor?
There are a number of legal matters associated with purchasing a home, so it's important to involve your solicitor before you make an offer or bid at an auction.
Should I refinance my mortgage?
What are the costs involved in refinancing my mortgage?
First home buyers guide