Buying your first home is one of life’s biggest milestones — and it’s completely normal to feel a mix of excitement and uncertainty. The good news? With the right guidance and preparation, the process doesn’t have to be overwhelming. Here’s what you need to know to make your first home purchase smoother and more successful.
Step 1 — Know your numbers
Before you start house hunting, it’s important to understand your budget. Your borrowing power depends on your income, expenses, and savings. A mortgage broker can help you calculate what’s realistic — and show you how much deposit you’ll need.
Step 2 — Get pre-approval
Pre-approval gives you a clear picture of what you can afford and helps you act quickly when you find the right property. It’s also a great confidence boost when negotiating with sellers.
Step 3 — Understand your options
There are dozens of lenders and hundreds of home loan products on the market. We’ll help you compare rates, loan features, and government incentives — including the First Home Owner Grant and First Home Guarantee — so you can take advantage of every opportunity available.
Step 4 — Plan beyond settlement
Your home loan is a long-term commitment. We’ll help you set up your loan with flexibility in mind, so you can pay it down faster and stay on top of your finances for years to come.
Ready to buy your first home?
Speak to our team today → to start your homeownership journey with confidence.