Get into your first home with the help of your local Perth, Applecross and surrounds home loan team

When you are buying your first home your local Perth, Applecross and surrounds Mortgage Choice broker can help you with expert advice throughout the whole process.

Taking the first step towards owning your own home is both exciting and a little overwhelming. But the rewards are outstanding. At Mortgage Choice in the Adelaide CBD and Prospect we pride ourselves on being your local home loan experts.

We get to know your personal situation and then we work with over 20 lenders, including the big four banks, to find you the right loan. We’ll manage your home loan from application to post-settlement, all at no cost to you. 

As your local Perth, Applecross and surrounds  home loan expert, you can depend on us to work hard to find you the best deal. We've helped hundreds of home owners over the past 7 years. Our friendly team to help make your dreams come true. 

What do you need to know for your first home loan?

When shopping around for a home loan, you need to work out what type of home loan will suit your situation. There are a number of different types of home loans are available. The one that is right for your needs will depend on your circumstances, but usually, most lenders offer several different types of home loans including:

• Variable rate home loans
• Fixed rate loans
• Line of credit loans
• Construction loans, and
• Bridging loans.

Remember, the different types of home loans each have various features that appeal to different borrowers. The key is to have the type of home loan that is right for your circumstances, and this is where we can help.

It is all about choice!

With over 20 Lenders to choose from, we will find you the best deal for you individual situation. 

At Mortgage Choice in the Perth, Applecross and surrounds, we build lifelong relationships with our valued customers in our local community. We service Perth, Applecross and surrounds and all the surrounding suburbs.

How our brokers can help you get your first home loan...

• Understand your needs: We will find out as much as possible about your circumstances and goals.

• Compare loans to find the right one: Our brokers will compare hundreds of home loans from over 27 lenders, including the big four banks, to quickly narrow down your choices to the ones that best suit you.

• Do all the legwork: If you decide to go ahead with an application, our team will prepare all of the paperwork and support you through the entire process.

• Work out your borrowing power: We will calculate how much you can borrow and how much you can comfortably afford to repay.

• Answer your questions: Our brokers have a wealth of knowledge built up over years of experience in home loans that they're only too happy to share.

• Help you with pre-approval: We can help you get pre-approval for your home loan so you can shop around for your home with confidence, knowing what you can afford to spend and jump on the property of your dreams when it comes available!

• Apply for First Home Owner Grant incentives: In Australia, there are a number of government incentives available to first home buyers. We’ll let you know whether you’re eligible for assistance schemes such as the First Home Owners Grant (FHOG) and help with the paperwork.

• Support you all the way to your first home: When you’re ready to move ahead with your first home loan, your broker will prepare all the paperwork and support you at every step to settlement.

Can I get a First Home Owner Grant?

In South Australia, first home buyers purchasing new homes may be eligible for a grant of up to $15,000.

• First Home Buyer Grant: $15,000
• New or Established Properties: New
• Value of Property: $575,000
• A partial stamp duty concession for contracts entered into from 1 July 2018 are no longer available.

For more detailed info click here.

First home buyer's guide

Purchasing your first property can be an overwhelming process and there may be steps you are unsure or unaware aware of. This guide will walk you through all of the steps involved in the buying process. 

Contact us on 0439 799 313 to meet at a time and location that convenient for you.