Home Loan

Owning a home is one of the most thrilling milestones you’ll achieve in life. To fully enjoy the journey, it’s important to understand each step along the way. We’ll be with you every step of the process, providing personalized service and support tailored to your needs.

Your Path to Homeownership

1. Planning

Whether you’re exploring your options or ready to buy soon, the first step is understanding how much you can borrow.

2. Finding

Once we start arranging your home loan, you can begin your house search.

3. Pre-Approval

We’ll assist you in securing pre-approval, so you can make offers or bids with confidence.

4. Settlement

Finalize your purchase and complete all necessary paperwork—you’re almost there.

5. Getting the Keys!

Congratulations! You’re officially a homeowner. Time to plan your housewarming!

A step-by-step guide to becoming a homeowner.

1. Get loan pre-approval

Having a deposit ready allows you to take the first step toward financing your home. Knowing how much you can borrow will help you start your search. We handle the pre-approval process for you, so there’s no need to worry about contacting lenders or completing forms.

2. Choosing a home to buy

Most people already have an idea of where they’d like to live. You can begin your search by visiting real estate agents or browsing online.

3. Make an offer

Submit an offer through a private sale or participate in an auction.

4. Offer accepted

If your offer or bid is successful, the real estate agent will provide a copy of the contract for sale. You should pass it on to your legal representative for review. Once both parties sign, the contract becomes legally binding.

5. Final loan approval

After your loan is fully approved, you will need to sign the final loan documents for the remaining purchase amount. We’ll take care of everything to ensure your loan is formally approved by the lender.

6. Insurance

Your lender will require you to secure building insurance.

7. Final inspection

Schedule a final inspection of the property before the settlement date. Check that everything included in the contract of sale is in working condition and as agreed.

8. Settle your loan

Settlement occurs when your deposit is transferred to the seller and the agreed loan amount is paid on your behalf by the lender.

9. Get the keys

After settlement, your conveyancer or agent will notify you, and you can collect the keys to your new home.

If you’d like a more detailed walkthrough of the steps to owning your home, feel free to give us a call. With our extensive experience, we know the process inside and out.