First home buyer | Mortgage broker Lilli Pilli, Caringbah South & Cronulla

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Buying your first home in the Lilli Pilli, Caringbah South and Cronulla region

Taking the leap to buy your very first home can be exciting and daunting in equal parts. With so many factors to consider - like your borrowing power, LMI, stamp duty and more - it’s no wonder that you might feel overwhelmed or confused by your options. But the good news is that you don’t have to go through the process alone!

With Erica Noyes as your Cronulla mortgage broker, you don’t have to waste your time and brainpower sorting through tonnes of different loans. Erica will listen to your preferences, find a great loan from her vast network of lenders, and guide you to make educated decisions about your home-buying journey. You won’t have to lift a finger!

Getting home loan pre-approval

An important step in your home loan checklist is securing pre-approval - in other words, the amount your lender has provisionally agreed to loan you. Pre-approval can have numerous benefits to you, including

Giving you the confidence to make strong offers
Preventing you from accidentally overextending
Presenting you as a serious buyer
Helping your final finance approval run smoothly

While not a necessity, pre-approval can be a tremendously helpful tool to utilise, and applying for pre-approval is simple when you work with Erica. She will communicate with you through every step and make sure that you are ready to start making offers on your dream home.

Calculating your borrowing power

The amount that you can borrow will depend on many factors, such as your income and other existing financial commitments. Your borrowing power may also differ depending on the type of loan and lender. You can find out more about your borrowing capabilities from Erica Noyes, your mortgage broker in Lilli Pilli, and in the meantime try out our free online borrowing calculator.

Try the calculator