First Home Loans
Buying your first home is a big milestone—and while it’s exciting, it can also be a little overwhelming. That’s where we come in: to guide you through the process and help make things as straightforward as possible.
Get Started
Getting into the property market is one of the most significant financial decisions you’ll make. From navigating contracts and paperwork to inspections and settlement, we’re here to support you every step of the way with clear communication and practical advice.
Just like the homes you're looking at, no two loans are the same. We take the time to understand your situation and work with a wide panel of over 60 banks and lenders to recommend loan options that align with your needs and goals.
The Loan Process
From your first conversation to settlement day, here’s what the journey looks like:
Get in Touch — Say Hello
It starts with a few quick questions to help us understand where you're at. Once submitted, we’ll arrange a meeting—in person or online—to talk through your goals and next steps.
Explore Your Options
Once we know what you're looking to achieve, we’ll research a wide range of loan options from our panel of lenders and present you with recommendations that suit your circumstances.
The Nitty-Gritty
Happy with your lender choice? We’ll take care of the paperwork—preparing, signing, and lodging everything needed to move forward toward pre-approval.
How Much Can You Borrow?
If pre-approval is granted, you’ll know how much you can borrow. This gives you a clearer idea of your budget and lets you start house hunting with confidence.
Seal the Deal
You’ve found the one and made an offer—exciting times! While you celebrate, we’ll continue managing the process, following up with your lender and keeping everything on track.
Settlement — Your Big Day!
This is the moment it all becomes real. We’ll let you know once the lender has released the funds and everything is officially settled—then it’s time to enjoy your new home.
Loan Types and Features
There are several types of home loans available—variable, fixed, guarantor-supported and more. Take a moment to browse through the different features below, and when you're ready, we’re here to answer your questions and help you understand what options may work for you.
- Variable rate loan
- Fixed rate loan
- Guarantor loan
- Keystart Loan
- Construction loan
- Property Share
- Low deposit loan
How much deposit do I need to buy a house?
Most lenders generally look for a deposit of around 20% of the property’s value. However, there are situations where a smaller deposit may still be considered, depending on your circumstances. In some cases, this may involve paying Lenders Mortgage Insurance (LMI). There may also be government incentives or grants available to assist eligible buyers, particularly first home buyers. If you're looking to purchase a property in Baldivis or nearby, reach out to our local mortgage broker office to explore what deposit options might work for you.
How much can I borrow?
Great question! Your borrowing capacity is an estimate of how much a lender may be willing to offer you based on your income, expenses, and overall financial position. To get started, try our borrowing calculator for a quick estimate. For a more accurate assessment tailored to your personal situation, get in touch with our mortgage broker team in Baldivis. We’ll walk you through the details and help you understand what your options may look like.
How do you help me choose the right loan for my needs?
At our Baldivis mortgage broker office, we have access to over 60 banks and lenders. We take the time to get to know you, your goals, and your financial situation. From there, we narrow down the options and present loan products that align with what you're trying to achieve. We'll go through the features, benefits, and considerations of each option so you feel confident in the choice you make. It’s all about finding a loan that fits your circumstances—not just for now, but into the future.
Do you help first home buyers in Baldivis?
Yes, we work closely with first home buyers in Baldivis and the surrounding areas to help make the process of purchasing your first home as smooth as possible. From understanding your borrowing power to exploring available government grants and navigating the loan process, our team is here to support you every step of the way. We take the time to explain everything in simple terms and provide loan options from a wide range of banks and lenders that may suit your circumstances. We'll go through the features, benefits, and considerations of each option so you feel confident in the choice you make. It’s all about finding a loan that fits your circumstances—not just for now, but into the future. Established homes and new home construction.
What’s the process to apply for a home loan through your Baldivis mortgage broker office?
The process starts with a quick conversation—either online or in person at our Baldivis office. We'll ask a few simple questions to understand your goals and current financial situation. From there, we research suitable loan options from our panel of over 60 lenders. Once you’re comfortable with your choice, we handle the paperwork, help you apply, and guide you through pre-approval, property selection, and settlement. We're with you the entire way, making sure everything stays on track. We'll go through the features, benefits, and considerations of each option so you feel confident in the choice you make. It’s all about finding a loan that fits your circumstances—not just for now, but into the future.
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