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Are you self employed & have fluctuating income or tax returns not up to date or had a loan application declined by your bank? We can help get your loan approved.
Helping you every step of the way
Buying your first home can be both an exciting and daunting experience and all first home buyers need expert advice and support from someone they can trust. At Assured Lending, our Mortgage Brokers will guide you step by step though the entire process, providing you with all the information and support you need to feel confident and make informed decisions. We understand that purchasing your first property is an emotional and often scary process. We take the fear away and simplify the entire experience with expert advice and support.
How we help you
  • We guide first home buyers step by step through the entire loan process
  • We ensure you have the expert advice you need to make informed decisions
  • We explain all the terms & conditions so you feel confident and comfortable
  • We make sure you understand all the costs involved
  • We compare the loans of Australia’s leading lenders to find the right options for you
  • We ensure you receive all the first home buyer grants & exemptions you are entitled to
  • If you need a guarantor, we help them understand the conditions and do all the guarantor paperwork
  • We do all the paperwork for your loan application & liaise with the lender on your behalf
  • We work with your conveyancer to ensure you have a smooth property settlement and get the keys to your new home
The home loan process
Step 01
Understanding the costs and what you can afford
How much can you afford to borrow?

This is the most important thing you need to know before you start looking at property. How much you can afford to borrow will depend on your current income, your assets, your living expenses and the deposit you have saved. Your borrowing capacity will also differ from lender to lender. An Assured Lending Mortgage Broker can do a cost & obligation free calculation on your maximum borrowing capacity based on your specific circumstances.

How much deposit will you need?

The maximum loan lenders are prepared to offer for an owner occupied property is 95% of the property value including fees.  This means you need to save 5% of the value of the property plus all fees. If you have a family member who is willing to offer their property as a security guarantee, your deposit can be less than 5%. An Assured Lending Mortgage Broker will quickly assess what the minimum deposit amount is that you will require for your specific circumstances.

Getting a home loan pre-approval

A home loan pre-approval is a conditional approval by a lender to loan you up to a set amount, as long as the property you purchase meets the lenders requirements. A pre-approval will give you the confidence to start your property search, knowing you are eligible for a loan and providing you with a set budget to work to when looking for a property.  Once you have found a property, having a preapproval already in place means you can get your loan approved much faster. Most pre-approvals are valid for 3 months and can be renewed if you don’t find a property in this time. A pre-approval has no cost or obligation and can be arranged by an Assured Lending Mortgage Broker with over 30 of Australia’s leading lenders.

First Home Owners Grants & Exemptions

There are many grants & exemptions available to first home buyers to enable you to get into your new home sooner. These vary from state to state and all come with different eligibility criteria. An Assured Lending Mortgage Broker can check your eligibility and let you know how much you can save.

Step 02
Finding a property
Choosing a property

This is the most important thing you need to know before you start looking at property. How much you can afford to borrow will depend on your current income, your assets, your living expenses and the deposit you have saved. Your borrowing capacity will also differ from lender to lender. An Assured Lending Mortgage Broker can do a cost & obligation free calculation on your maximum borrowing capacity based on your specific circumstances.

Purchasing a property

This is the most important thing you need to know before you start looking at property. How much you can afford to borrow will depend on your current income, your assets, your living expenses and the deposit you have saved. Your borrowing capacity will also differ from lender to lender. An Assured Lending Mortgage Broker can do a cost & obligation free calculation on your maximum borrowing capacity based on your specific circumstances.

First home buyer tools

We're product to provide a variety of resources to assist first home buyers as much as possible throughout the process. Have questions? Don't hesitate to contact our first home buyer specialist.
Talk with our broker
Home loan guide
Download our free comprehensive Home Loan Guide packed with valuable information, checklists, resources and home buying tips.
DOWNLOAD NOW
Suburb profile report
Order your free suburb profile report to see how any Australian suburb is performing in
the property market.
Get Free
Property valuation report
Order your free desktop property valuation report to get an estimated value on any residential property in Australia
GET FREE
Stamp duty calculator
Calculate what the stamp duty will be for a property you are considering purchasing.
Calculate STAMP DUTY
Housing market update
Download this free report which has all the latest news & statistics for the housing market in Australia.
HOUSING MARKET UPDATE
First home buyer grants & exemptions
As a first home buyer you may be entitled to multiple grants & exemptions on your property purchase.
VIEW
Property inspection checklist
Download a property inspection checklist to tick off when you inspect a potential property to purchase
DOWNLOAD NOW
Savings calculator
Calculate how much you will need to save each week to reach a set savings target
CALCULATE NOW
Loan repayments calculator
Calculate your estimated monthly home loan repayments
CALCULATE NOW
Mortgage affordability calculator
Use this mortgage calculator to get an estimate on how much you may be able to borrow
CALCULATE NOW
No matter where in Australia your located, we'll find the right loan for you.
Get in touch with our team for a free 15-minute consultation call.
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