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Helping Brisbane's First Home Buyers Into Their Home

We Can Help You Get a Loan And Help You Prepare For A Loan

Contact Us

Register To Our First Home Buyers Club

Register members of the First Home Buyers Club get FREE access to information provided by our panel of professional specilists including, Finance Specialists, Lending Specialists, Lawyers, Real Estate Agents, Property Specialists, Builders and Developers.

Benefits To First Home Buyers Club Members

  1. FREE Planning Appointment With Mortgage Broker
  2. Regular Hints and Tips From Our Specialist Panel
  3. Monthly Newsletter
  4. Invitation to Free Seminars
  5. Ability to Ask Questions From Specialists
  6. Access to Specialists Blogs
  7. Ability To Share Ideas With Others Like You
The Best First Home Buyers Information Guide

First Home Buyers Registration Form

How We Help First Home Buyers

Initial Meeting With One Of Our Mortgage Broker Specialists
We Offer Strategies & Alternatives
We Help You Setup A Plan
Regular Hints & Tips From Specialists
Newsletter Updates of Market Information
Opportunity to Attend Seminars With Specialist Presenters
Ability To Ask Questions & Access FAQ
Opportunity to Network With Other First Home Buyers & Exchange Ideas
First Home Buyers Club

Gain Access To Extremely Helpfull Topics Such As These

  • Why Should I Own My Own Home
  • Which is Better Owning or Renting
  • How Much Can I Spend On My First Home
  • Getting Pre-Approved
  • Creating An Expenditure Diary
  • Calculate How Long It Will Take To Save My Deposit
  • How Can You USe The First Home Super Saver Scheme
  • Checklist to Save a Deposit Faster
  • How To Qualify For a $15,000 First Home Buyers Grant
  • And Far Too Many More To List……..


Important Factors In Preparing Your Deposit

Demonstrating to your lender that you have a good savings history is fundamental and something that should be considered early when deciding to purchase a your first home.  Resulting from the Royal Commission on banking, the requirements for a first home loan have become more difficult, which is why First Home Buyers need to plan for their first home loan at least 12 months in advance.

Brisbane Home Loans Financial Specialists are happy to assist you in establishing a savings plan in preparation for a First Home Loan at a later date.

The amount of deposit available for your First Home is really important when it comes to financing.  Your savings, will influence the type of loan you can get.

Most lender will require a minimum of 5% deposit.  Lenders like to see this in your bank account and usually for a period of at least 3 months.

Often, First Home Buyers, will seek their parent’s assistance in purchasing their first home.  Their help can be in terms of assistance with the initial deposit, alternatively they can act as a Guarantor on the Loan. As a Guarantor, your parents equity in their personal or investment property can act as security against your new home.

Our Guarantee

Fast, Efficient Service

Our Finance Specialists understand that when purchasing a property there is little time to waste in finding the right home loan.

We guarantee an appointment within 48 hours of contacting our office if needed.

We can arrange an appointment in our office, your office, your home or a convenient coffee shop at a time which is convenient to you.  If necessary we can take instructions over the telephone or organise a video conference.

Most importantly we will work quickly to assist you.

CONFUSED BY WHAT YOU WILL NEED TO BUY YOUR FIRST HOME?

A critical factor that can assist you with your First Home Loan is your Credit Score. Lenders will closely review your spend over 12 months as part of your loan application. 

OUR SERVICE IS FREE TO YOU – We are paid a commission by the Mortgage Lending Institution which we fully disclose to you. Our job is to take the hassle out of finding the right loan.

First Home Buyers Love Us Because We Fight Hard For Your First Loan

Purchasing your first home will be exciting and possibly daunting at the same time, however it does not need to be so. Our Finance specialists have years of experience in guiding first home buyers. We can assist in preparing your first home buyers grant applications and identify a loan that suits your deposit and income levels.

Below is checklist which will assist you in understanding if you meet the basic requirements for a First Home Buyers Grant.

 

  1. Are you an Australian citizen or permanent resident, or are you applying with someone who is an Australian citizen or permanent resident?
  2. Neither you nor your spouse have previously owned a property in Australia
  3. You’re building or buying a new home
  4. The value of the home you are buying, or building is under $750,000

This information is indicative only. Please speak to our representatives for further information.

In addition to a First Home Grant, you may also be entitled to a reduction in the amount of stamp duty you will need to pay.

The link below allows you to calculate the amount of your First Home Grant and the amount of duty owed.

Go To The State Government Calculator

Simply download the form and submit. Our consultants are more than happy to assist you in preparing and submitting the application form.

Download Form

Brisbane Home Loans can offer you the choice of hundreds of products from more than forty lenders. We do the leg work for you. After ascertaining your unique situation and goals we do all the work to get you the best deal at no extra cost to you.

The amount you can borrow is commonly known as your borrowing capacity. Your borrowing capacity will differ from lender to lender and depends on many factors including your income, expenditure, existing loans and deposit available.

Pre-approval is a great place to start if you are considering purchasing a new home, buying an investment property, or simply want to ascertain your potential borrowing power.

Where Pre-approval is obtained, the lender will issue a letter of offer and this will be valid for a certain period, usually 90 days. Any conditions or additional requirements will be noted in the pre-approval that is provided by the lender.

Knowing how much you can afford to spend based on a given deposit, provides credibility with agent and a level of negotiating power with both the agent and the seller.  Naturally, pre-approval is necessary if you are looking at a property that is auctioned.

Lenders Mortgage Insurance is typically required by all lenders on loans for borrowers who have less than 20% deposit.

Lenders Mortgage Insurance protects a lender in the event that the borrower defaults on the home loan. In this situation, if the sale proceeds of the property being held as security is not enough to cover the mortgage, the lender will make a claim on the insurance policy.

There are instances where the lender will require it to be paid on a much lower Loan to Value ratio, for example low doc loans. The only benefit you will get from LMI is in the amount you are able to borrow.

Mortgage Insurance covers potential losses to the lender, not the borrower. Please see more information in our Resource Centre.

Some lenders offer the option for a client to fix in the rate that has been quoted on the day that the loan application was made.

In the event that an unexpected rate rise happens prior to settlement of your loan you can feel safe in knowing that your rate will not change. Some lenders offer this service automatically. Others require you to pay a fee to put the Rate Lock in place.

Fixing a rate as part of a negotiation is useful in situations where lenders run promotions offering lower rates for a nominated time frame.  This protects the borrower in the event that the loan application is delayed.

We always start with a chat over the phone or in person. We listen to your lending requirements and then prepare a needs analysis schedule for you.  We review the schedule with you and outline the next steps associated with the loan application.

During this appointment we will answer any questions you feel relevant to your loan application or the process.

Feel free to contact us on 07 3889 9250 or simply complete our contact form on our website and one of our Finance Specialists will be in touch within 24 hours.


For More Questions, call us on 07 3889 9250 or contact us via our website.

First Home Owner Couple Dreaming

Make an Online Application and See If You Qualify for A Loan

We have been working with Daniel and the team at Brisbane Home Loans for the purchase of our first home, being first home buyers it has been great having the knowledge of Daniel & the team at Brisbane Home Loans to support us. We can’t thank them enough for their support and making themselves available to answer all of our questions. I’d highly recommend Brisbane Home Loans.
Christina Perry

Being Our First Home It Was Great Having The Knowledge of Daniel & The team at Brisbane Home

Purchasing your first home can certainly be exciting but obtaining a Home Loan for your First Home can be challenging and daunting, which is why our Financial Brokers are trained to eliminate the stress for you and walk you through the process step by step.

First Home Buyers may be eligible to receive the First Home Owners Grant and may also be eligible for stamp duty concessions.

Whether you are ready to purchase your First Home or if you have started discussions with your partner or family about purchasing your First Home, then you will certainly benefit from our advice on how to obtain the right loan for you.

As your broker we get paid from the lender once the loan is settled, therefore our service to you is completely FREE.

I want to enquire about a:

YOU’RE IN GOOD HANDS – We understand the challenge of purchasing your First Home and work for you to simplify the process.

Types Of Home Loans You Can Access

Financial Adviser Blue Shirt

A low variable interest, no frill Home Loan with generally cheaper rates because there are very few features and usually do not offer a cheque book, Bpay or an ATM card.

They will usually allow you to make extra payments, cutting the length of your mortgage.

The definition of ‘basic’ can vary between Lenders so it is important to check individual features.

Interest rates go up and down, generally in line with the official rate set by the Reserve Bank of Australia. Can be ideal for First Home Buyers and Owner-occupiers.

We have been working with Daniel and the team at Brisbane Home Loans for the purchase of our first home, being first home buyers it has been great having the knowledge of Daniel & the team at Brisbane Home Loans to support us. We can’t thank them enough for their support and making themselves available to answer all of our questions. I’d highly recommend Brisbane Home Loans.
Christina Perry

Being Our First Home It Was Great Having The Knowledge of Daniel & The team at Brisbane Home

Standard variable loans are a very popular product with up to half of borrowers choosing this structure.

The variable rate loan offers more features and flexibility than the basic or ‘no frills’ loan, so the rate is usually slightly higher.

Fixed rate loans are set at a fixed rate for a specified period – usually one to five years.

The advantage of allowing you to organise your finances and repayments without the risk of rising interest rates is offset by the disadvantage of not benefiting from a drop in rates.

It also locks you in to that loan for the fixed period unless you are prepared to pay potentially considerable exit fees.

Financial Adviser Blue Shirt
Financial Adviser Blue Shirt

A full suite of services loan where you pay an annual fee for interest rate discounts and further discounts on extra services.

This may include an offset account, waiving the annual fee on your credit card.  Some Lenders will even offer discounts on personal loan rates and other products.

Packages attract an annual fee of about $350 to $800 but the fee is only payable once, regardless of how many loans you have.

Packages are generally more suitable for those borrowing more than $250 000, those who wish to avail themselves of many of the services on offer by the Lender and borrowers who have a significant amount of cash to put in to an offset account, and only pay the one fee annually.

Finance & Mortgage Brokers You Can Trust & Rely On.

Our motto is simple “Clients come first.” Whether you are a first home buyer or an experienced property investor, our team of first home loan brokers in Brisbane will go out of their way to get you a deal that offers you the best rate at the lowest possible cost.

Why Clients Choose Brisbane Home Loans?

  • Impressive Customer Ratings
  • We Do All The Hard Work for You
  • Our Experienced Mortgage Brokers Get You Rates Lower Than What is Published by Lenders
  • We Work For You Not The Lender
  • We Can Meet You Wherever It is Convenient To You

Talk to Our Mortgage Experts to See How We Can Help You!

At Brisbane Home Loans, we guarantee 100% transparency and clear communication. From the moment you call us, we will work round the clock and ensure your home loan application is prepared, lodged and approved quickly and effortlessly. Call us at 3889 9250 and put us to the test.

Arrange to meet with a broker Get to know us more

Mortgage Broker New Loan

A low variable interest, no frill Home Loan with generally cheaper rates because there are very few features and usually do not offer a cheque book, Bpay or an ATM card.

They will usually allow you to make extra payments, cutting the length of your mortgage.

The definition of ‘basic’ can vary between Lenders so it is important to check individual features.

Interest rates go up and down, generally in line with the official rate set by the Reserve Bank of Australia. Can be ideal for First Home Buyers and Owner-occupiers.

We have been working with Daniel and the team at Brisbane Home Loans for the purchase of our first home, being first home buyers it has been great having the knowledge of Daniel & the team at Brisbane Home Loans to support us. We can’t thank them enough for their support and making themselves available to answer all of our questions. I’d highly recommend Brisbane Home Loans.
Christina Perry

Being Our First Home It Was Great Having The Knowledge of Daniel & The team at Brisbane Home

Standard variable loans are a very popular product with up to half of borrowers choosing this structure.

The variable rate loan offers more features and flexibility than the basic or ‘no frills’ loan, so the rate is usually slightly higher.

Fixed rate loans are set at a fixed rate for a specified period – usually one to five years.

The advantage of allowing you to organise your finances and repayments without the risk of rising interest rates is offset by the disadvantage of not benefiting from a drop in rates.

It also locks you in to that loan for the fixed period unless you are prepared to pay potentially considerable exit fees.

Financial Adviser Blue Shirt
Financial Adviser Blue Shirt

A full suite of services loan where you pay an annual fee for interest rate discounts and further discounts on extra services.

This may include an offset account, waiving the annual fee on your credit card.  Some Lenders will even offer discounts on personal loan rates and other products.

Packages attract an annual fee of about $350 to $800 but the fee is only payable once, regardless of how many loans you have.

Packages are generally more suitable for those borrowing more than $250 000, those who wish to avail themselves of many of the services on offer by the Lender and borrowers who have a significant amount of cash to put in to an offset account, and only pay the one fee annually.

We Offer More Choice to Our Clients

In this day and age of diversity and choice, why limit yourself to the options being provided by one lender?

Brisbane Home Loans has access to over 40 lenders, with more than 100 different products that could better suit your needs.

We don’t just focus on one bank to resolve your Financing needs. Our approach is to shop around our panel of lenders, secure the finance you need and ensure it is the best possible deal for your specific circumstance.

Brisbane Home Loans Finance Specialist have the expertise and the proven track record to advise you on your Finance needs.

Group of diverse business

"Good Ol Fashion Service" - Every Day

Why Choose Brisbane Home Loans

You're In Good Hands

Brisbane Home Loans is all about good old fashioned personal service without exception.

We Find The Right Deal For You

We take the time to listen to your needs and then search the market for the best products that satisfies your needs at the lowest possible cost to you.

Ongoing Comittment

We continue to work for you after the deal is finished, ensuring that we asess any new offers that become available which may improve your current deal.

One Stop Lending

We give our clients access to Personal Loans, Home Loans, Investment Loans and Commercial Loans.  You always only deal with on person for all your lending services.

How We Work With Our Clients

We can meet clients in our office, in their home, their office or the local coffee shop. Our initial interview will helps us understand the clients needs in the short, medium and long term so that we can find the best possible lender for your loan.

The world of financing continues to be more and more complicated. Our Lenders have experience in finding the right product to meet the specific needs of each of our clients.  During this phase, we identify two to three options that may be suitable.

Our Lending Specialists will present to you a number of options available outlining  the differences, benefits and downfalls of each option presented. Our preferred option and reasons why, we consider this the best fit for you will be clearly explained.

Our Lending Specialists work with our clients to have all documentsation signed, submitted to the lending institution and processed through to approval.

We pride outselves on client service which is why our Lending Specialists establish a reasonable review timeframe where they touch base with our Clients to ensure everything is working as planned.  During this review, the client is made aware of any new financing options in the market.

Brisbane Home Loans is not about one off loans. We truly care about our clients, which is why we stand by their side beyond the completion of the loan.

What Does A Mortgage Broker Do

Listen and Evaluate Your Needs
Calculate How Much You Can Borrow
Compare Options Available to You in The Market
Provide You Expert Advice
Do All The Leg Work
Obtain Pre-Approval For You
Create A Plan For You To Ensure Your Always Getting The Best Deal
Most Importantly We Provide This at No Cost To You

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Tips To Buying An Investment Home

10 TIPS TO BUYING AN INVESTMENT HOME If you're thinking about buying an Investment Property, these 10 tips will help you in your journey. BE CLEAR ABOUT THE OBJECTIVE OF YOUR INVESTMENT The first step is to ask yourself this question “Why am I buying an investment property?” Sure, its because you want to improve

RBA suggests existing borrowers gouged by banks offering new mortgage discounts

Interest rates in Australia have reached a historical unprecedented all time low and the benefit of lower interest repayments are flowing through to new borrowers and first home buyers! Is the benefit also flowing through to homeowners with existing mortgages? Assuming that like me, your loan has been in place for a number of years,

Borrow Up To 95% On First Home Without Paying LMI

Borrow Up To 95% on Your First Home Purchase It appears the Federal Government will come through in assisting First Home Buyers in Australia get into their first home quicker through the new First Home Loan Deposit Scheme (FHLDS), which launches in January 2020. The FHLDS will allow first home buyers earning less than $125,000

Is It Better To Rent Or To Buy?

Is It Better To Rent Or To Buy? Culture, economics, the property market and a ton of other factors are influencing factors to this question. Typically, when Australian’s speak about the Australian dream, they are referring to owning their own home.  Some are of the views, that it is better to pay off your own

How To Get Pre-Approved For A Home Loan

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