Understand your starting point
Build a picture of your savings, regular income, expenses and existing debts. Your comfortable repayment budget matters as much as a lender’s maximum borrowing figure.
First Home Buyers
Your first home.
A beginning of your own.
There is a lot to learn before you collect the keys. We make the next step easier to understand, from preparing your deposit to working towards settlement.
Plan My First HomeFirst Home Buyers
- Borrowing position
- Deposit planning
- Scheme guidance
- Pre-approval
Consider the whole picture
A little preparation.
A clearer beginning.
From your deposit to the day you collect the keys, understand what comes next.
Prepare for the costs of buying
Your deposit is only part of the picture. Allow for conveyancing, inspections, loan charges, moving costs and applicable government charges.
Explore government support
Government guarantees, state grants and duty concessions have different conditions. We can help you identify what to check. Current rules, property limits and lender participation must be confirmed.
Know what comes after pre-approval
Keep your financial position stable while searching. Before an offer or auction, discuss finance conditions and contract obligations with your conveyancer or solicitor.
For first home buyers
From the first question
to the front door.
You don’t need all the answers to begin.
Just a clear understanding of the next step.
- 01
Understand
Set your goals and a comfortable budget.
- 02
Assess
Review your deposit, income and commitments.
- 03
Pre-approval
Understand lender conditions and expiry.
- 04
Search
Find a property within your considered range.
- 05
Purchase
Check the contract and finance requirements.
- 06
Settlement
Coordinate final documents and funding.
Every purchase is different. Pre-approval is conditional and settlement depends on the parties and requirements involved.
Talk About My First HomeSupport for your first home
Start with the official information.
Scheme rules and eligibility vary. Check current requirements before relying on a grant, guarantee or concession.
The GEMS approach
Complexity,
meet clarity.
One considered process.
A person beside you at every stage.
GEMS
Your goals.
Our starting point.
- 01THE CONVERSATION
Understand
Your goals, circumstances and priorities come first.
We start with a conversation and a clear picture of your finances.
- 02THE PLAN
Structure
Consider the options and understand the trade-offs.
We discuss suitable pathways, loan features, costs and requirements.
- 03THE APPLICATION
Apply
Move forward with organised documents and support.
We help prepare the application and coordinate with the lender.
- 04THE NEXT CHAPTER
Settle
Stay informed through the steps that bring it together.
We remain involved as the lender and other parties work towards settlement.
A little more clarity
