Home Buyers
Know your position before you start searching.
A clear understanding of borrowing capacity, costs and lending options gives you a stronger position — whether this is your first purchase or your next one.
Before You Start Searching
Understand what you may be able to borrow — and what it means.
Borrowing capacity, deposit requirements and purchasing costs shape what's realistic before you fall in love with a property. Getting this clear early avoids wasted time and disappointment later in the process.
Borrowing capacity
A realistic view of what you're likely to be able to borrow, and the factors that influence it.
Deposit & purchasing costs
Understanding deposit requirements, lenders mortgage insurance, stamp duty and other costs involved in a purchase.
Pre-approval
Putting yourself in a stronger position to act when the right property comes along.
Knowing your position before you search means you're negotiating from strength, not finding out your limits mid-offer.
From Offer To Settlement
What the process looks like.
Understand your position
Borrowing capacity, deposit and costs assessed against your circumstances and goals.
Lender comparison
Reviewing lending options based on policy, pricing and structure — not just the advertised rate.
Pre-approval & loan structure
Getting into a position to make an offer, with a loan structure that suits how you intend to use the property.
Settlement
Managing the finance process through to settlement, keeping you informed at each stage.
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