First Home Buyers:

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Let Australia’s #1 First Home Buyer Experts Help

Why Choose Loanseeker First Home Buyer Loans:

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….or if you have seen enough

FLEXIBLE

Whether you’re buying a home or building, Loanseeker Finance gives YOU the choice of first home buyer loans from its panel of over 40 lenders.

SPEED

Apply today and we can arrange approval in as little as a few hours. We can have first home buyers conditionally approved the same day*

GREAT RATES

Want a great deal? Loanseeker’s got you covered. We have access to all of Australia’s top lenders including the big 4 banks. We don’t charge anything to you.

EXPERTS

Loanseeker’s loan consultants have years of experience in finding the best deal for our clients. We work hard so you walk away satisfied with your first home buyer loan

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Loanseeker Compares First Home Buyer Loans from over 40 Lenders.

We search 100’s of first home buyer loans. So we are sure we can find the right loan for you. Have Bad credit? No Problem.

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Key Terms for First Home Buyer Loans:

Ask Australia’s #1 Mortgage Brokers

HOW MUCH DEPOSIT DO I NEED?

Your borrowing capacity for a first home buyer will depend on many factors, which can affect the amount your lender will require for a deposit. These factors include, but are not limited to, your income, credit history, income history and employment history. If you are applying as a couple, these details will be required for both partners.

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FIRST HOME BUYER GRANTS

This grant is a financial incentive available to Australian citizens or permanent residents and is only available for your first home. If you are purchasing the property with your partner then both of you will need to meet the eligibility criteria. Please feel free to have a chat with one of our experts to find out more about this, and other available incentives.

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HOW MUCH CAN I BORROW?

Unsurprisingly, the most common question that first home buyers ask is how much they can borrow.

There is no one size fits all when it comes to how much you can borrow (also called your borrowing capacity), so it’s smart to speak with an expert who can crunch all the numbers with you.

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WHAT IS LENDERS MORTGAGE INSURANCE?

Lenders mortgage insurance is a fact of life for most first home buyers. This lets buyers who don’t have a 20% deposit get into properties. It insures the bank against losses if you default. It also allows first home buyers to borrow more than 80% of the purchase price of the property.

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WHAT ARE THE HOME BUYING COSTS?

Costs of buying a property may include: Stamp duty, LMI, Legal / conveyancing fees, Mortgage or loan application fees, Pest and building inspection reports or a Strata search (for apartments), Utility connections and Insurance

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HOUSE & LAND PACKAGES EXPLAINED

Ever thought about building your first home? Get the lowdown on house and land packages to find out if it’s the right choice for you. In some states around Australia, there are better incentives available to first home buyers who are prepared to build or buy a new home. So just what can you expect if you follow this path to owning your first home?

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A Couple More Things…

That First Home Buyers Need to Know

CHOOSING A MORTGAGE BROKER

There are many lenders offering hundreds of Home Loan products and deciding on the best option can be a difficult task for most people. The lenders will advise that their Loan is the best for you but will not suggest that a competitor has a more suitable product available. This is where a good Mortgage Broker with a large panel of lenders can be very useful in providing options and guidance to find the most suitable Home Loan for your particular needs.

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DEPOSIT BOND GUARANTEE

Usually, a deposit bond is worth ten per cent of the purchase price and is offered to the vendor in advance of the final settlement of the sale.

The benefit for you is that a bond allows you to keep your cash or assets in reserve until you are closer to the final date of settlement. Therefore no money passes hands until the time of the sale.

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