First Home Loans | Mortgage Broker Karalee, Lowood & Laidley

While you may already know exactly what you want your first home to look like, I'm here to help with the home loan part of the process. I'm really passionate about helping people find their first home as it can be a journey that takes time to achieve, but is so rewarding when settlement day comes!

Your first home loan - things to consider

What makes the first home journey less overwhelming is to have someone on your side who is truly committed to looking after you every step of the way. That's what I'm here for! As your local Mortgage Broker in Karalee and Lowood, I'm here to help your home loan process run as smoothly as possible and find the right first home loan for you. 

Here are some things to consider for your first loan and how I can help:

• Your personal circumstances. Your personal financial situation has a lot to do with how much you can borrow and the lenders you can apply to. Don't worry - I know the lender requirements inside and out and over 35 lenders to choose from.
• Your deposit. The amount you have saved for a deposit will also determine your borrowing capacity. I'll talk you through some strategies to stretch your deposit further and get you into your first home sooner.
• Interest Rate: The interest rate is often seen as the most important part of your home loan, but it's only one part of what makes a suitable loan. I've got access to thousands of interest rates and features that we can tailor to you.
• First home buyer incentives. These can really help you stretch your budget. I'll look through the available incentives & grants to see which ones you could be eligible for. 

My home loan service is free

I'm able to offer my home loan service at no cost to my customers. That's because your chosen lender pays a commission when your loan settles with them. It doesn't affect your home loan and ensures that everyone has access to transparent loan advice when they need it. 

How much deposit do I need to save?

While a 20 percent deposit is ideal, it's certainly not a requirement for your first home loan. There are lots of ways to stretch your deposit or secure a flexible loan that allows for a smaller deposit. As your local Mortgage Broker in Karalee, my job is to get you into your first home supported by a loan that suits you and your finances.

Let's get going on your first home 

I'm passionate about finding my clients a home loan that feels like the perfect fit for their finances and their first home. As a mobile broker, I can come to you across Karalee, Lowood, Laidley and across the Gold Coast. 

Contact Emma MacGillivray on 0432 396 507 or book an appointment below.

Call: 0432 396 507  Book an appointment