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Tim Manuel

First home buyer | Mortgage broker Balgownie, Fairy Meadow & Wollongong

Start your home loan journey today

Buying your first home

Taking the leap to buy your very first home is an exciting step, and a huge financial decision. We know that the amount of new information to absorb can be overwhelming, and that you’ll probably have lots of questions. With Tim as your mortgage broker, none of these questions are silly, and he will do his best to put you at ease with his knowledge and expertise. You are in the best hands with Tim, who will handle all the difficult parts of securing your finance, including finding you the perfect loan from a broad selection of lenders. 

No stone is left unturned in your home loan journey! Tim will help uncover whether you are eligible for any government assistance to buy your first home, and can offer you valuable advice to prepare your finances for home ownership. This includes calculating your borrowing power to give you a better idea of your budget, and advising you on how to maximise your chances of getting home loan approval.

How to apply for a home loan

When you apply for a home loan, you will need to provide evidence of your income, assets, and financial commitments, as well as your identification. If you are building a home or applying for a government scheme, you may also need to submit extra paperwork such as building plans. But don’t worry - Tim will take care of completing and submitting all the confusing paperwork, so you can stress less. 

It’s also best to reign in your discretionary spending and lower your credit card limits a few months before you plan to apply for your loan, so that lenders can see you are financially responsible.

Home loan pre-approval

Although pre-approval is not required to get a loan, it can be helpful to have a better idea of your budget before you start your home search. Pre-approval gives you peace of mind when making offers, especially when it is your first time purchasing a property, and can even show to the seller that you are a serious buyer. If you’re thinking of buying your first home soon, get in touch with Tim Manuel as soon as possible to discuss securing pre-approval.

Free guide for first home buyers

Download our free guide, filled with useful information to help you on your journey as a first-time buyer.

Call Tim Manuel on 0412 078 230 to talk more about buying your first home

Tim can also assist you with:


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