First home buyers
First home buyers - cut out the confusion with advice you can trust
We understand that buying your first home can seem confusing and complicated. Our mortgage advisers can help you to choose a first home loan that’s right for you, without all the running around. Our advice is based on years of experience and costs you nothing.
Contact a home loan adviser now on 13 14 97.
All your first home loan questions answered
Smartline can give you expert home loan advice, to help ensure buying your first home is stress free and simple. Our mortgage advice includes:
- Exactly how much deposit you will need.
- Help with First Home Buyers’ Incentives such as FHOG.
- We’ll explain all the costs involved in financing your first home.
- We’ll calculate the amount you can borrow.
- We’ll tell you your exact repayment amount on your chosen loan.
- We'll explain all the family guarentee loan options available.
- We’ll help you find a loan solution that gives you the flexibility you need.
How much deposit will I need for my first home loan?
Usually you only need around 5% to 10% of the property's value saved as a deposit. Your Smartline Mortgage Broker can work out exactly how much deposit you will need.
How do I arrange the first home buyer incentives?
The Government offer generous incentives to first home buyers. Your broker can help you arrange the first home owner grant and stamp duty concessions. Ttalk to your Smartline Mortgage Adviser .
What are all the costs of financing your first home?
Your costs include the lender's home loan application fee, possibly mortgage insurance, Government duties and other costs such as conveyancing and inspection costs. Your Broker can give your a further breakdown or use our costs calculator to get your started.
How much can I borrow for my first home loan?
How much you can borrow depends on how much deposit you have and your income. With our specialist software, your Smartline Mortgage Broker can work out how much you can borrow. If you’re keen to get an indication now, use our ‘How much can I borrow calculator.
How much will my repayments be?
Once you have chosen your loan, your Smartline Mortgage Broker will tell you how much your repayments will be or you can use our repayment calculator now to get started.
Family guaranteed loans
Several lenders now offer flexible family friendly loans, called family guarantee loans, that enable family members to help out with your finance. Read more on Smartline's blog.
Finding your first home loan
Generally, basic low interest loans without the costly "extras" are often suited to first home buyers. They keep your interest payments and fees to a minimum.
Your Smartline Mortgage Broker can help you choose a loan solution that is right for you, without all the running around. You should also check with your Smartline Mortgage Broker whether you qualify for a professional package which can offer great value and discounted rates.
Ready to talk to a home loan adviser?
You can contact a Smartline Mortgage Adviser on 13 14 97 for home loan advice. Or complete our call request form and we’ll call you!
- More on finding the right home loan.
- Want to find out more about using a mortgage broker?
- Use our home loan calculators now to find out how much you can borrow.
- Find out your next steps in getting your first loan, talk to a Smartline Mortgage Adviser.
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