First home loans | Brett Mallott in Willetton

The property journey can be exciting and sometimes overwhelming. Brett and the team in Willetton are here to support you with your first home purchase. 

It's your first time buying a property and you have lots of questions. What is LMI? How much deposit do I need? What's the first thing I need to do? It's okay - we've got the answers! We are committed to being your expert home loan team, supporting you on your first property journey.

Let's talk about home loans

One of the most beneficial things you can have when securing a home loan is choice. Going straight to your bank will give you limited options of home loans. That means limited features, interest rates and eligibility. Mortgage brokers have a range of lenders, with dozens of home loans each, to give you the best range of options to choose from. 

At Mortage Choice, we have a panel of more than 20 lenders including the big 4 Australian banks, along with some more boutique lenders. We're picky with who we allow onto our panel - they need to provide high quality home loans and a great level of ongoing service to our customers. Because we have a big Mortgage Choice network around Australia, we have great access to banks and lender assistance.

How can Brett Mallott from Mortgage Choice help?

Over my 20 years in the finance industry, I have helped many first home buyers finance their dream home. It's exciting! First home buyers typically have lots of questions about the process. I love receiving phone calls from my customers asking me how to put an offer on a property or with a question about their deposit. 

Here's how I can help:

• I will sit down with you and go through some important figures: what a bank will lend you, what the repayments will be and what you can afford to borrow.
• I will analyse your unique situation to find a lender and home loan to suit. Are you self employed? Is part of your income based on commission? There's plenty to take into consideration.
• I will research and compare products for you, searching through hundreds of home loans we have available to find a home loan that has the right features, from a suitable lender with a low interest rate.
• Once you have given the go ahead, I will put together and submit the paperwork. I will also follow up with the lender, chasing your loan through to approval. 
• I will work to get you pre-approval for your loan amount. This can give you some negotiating power and make sure you don't spend more than you can afford.
• It's all at no cost to you!

First home buyer incentives and grants

A big part of buying your first home in Australia is knowing what incentives and grants are applicable to your situation and how to apply for them. I will help you understand which ones suit you best and put together an application for you. Here are some of the incentives available:

Find out more with our additional resources

If you're looking to buy your first home, try some of our educational resources designed to give you more info about your purchase.

• Our mortgage calculators
• Our MoneyChat videos
• Download a free e-guide on the process of buying your first home

Your local support team in Canning Vale are here to help

We would love to help you with your first home. Our team is mobile and can meet you at a convenient time & place. During COVID-19, we can assist you via phone or video.

Call Brett today to book your obligation-free appointment on 0422 040 646.

We service the areas of: Parkwood, Leeming, Riverton, Winthrop, Applecross, Booragoon, Willetton, Success, Canning Vale, Banjup, Ferndale, Shelley, Bateman & surrounding areas.