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First Home Buyers

Take the stress out of the process by providing the best options to suit your circumstances.

Taking those first steps to home ownership

Firstly, congratulations this is such a huge step and a life milestone. We feel so privileged that you are looking to us, to be part of and guide you through this process.
How much can I borrow?
There is no easy answer on this one, that can be done without reviewing all of the specifics. Our advice is to avoid an online calculator as the final answer since it can be off (providing well under and possibly over) what you can truly borrow.Each lender will have their criteria, however, it is very much based on a few clear factors: Deposit, income, debt, dependants, credit rating
How do I know which mortgage is the best fit?
All of this is taken into account to review and provide the best options to suit your needs & budget
This is where we come in, our job is not only to get approval but to present and provide the best options available. This includes not just the best interest rate, but the best available loan parameters including fees.
How can you help me get a mortgage?
  • We will work tirelessly to ensure we can review and provide the best outcomes.
  • There are times that we are not able to have a lender proceed with financing a loan, these reasons can be but are not limited to:
  • Level of savings
  • Income
  • Debt
  • Credit rating
  • Liability
"We work with many customers who are starting their journey to home ownership. The outcome can at times be a reality check that more savings is needed or steps that are needed to make a lender accept them as a customer".

HOME BUYING PROCESS

  • STEP 1
    Let's Meet
    This initial meeting is crucial to overview the documents needed and next steps.
  • STEP 2
    Pre approval process
    Once all of the forms are in, we can review the best lender options and seek pre approvals and loan parameters to present to you.
  • STEP 3
    house hunting
    Once you have your pre approval in hand, and know your spending limit - this is the time to enjoy looking for the perfect home, or that entry level property that you can add your own touches to.
  • STEP 4
    house purchase
    Once your offer is accepted you will likely be asked to pay a small cash/direct deposit to hold the property during the cooling off period, This is where your Conveyancer is needed to take the period to ensure the property is ok for exchange. This includes reviewing a lot of titles, preparing pest & building reports and ensuring you are protected.
  • STEP 5
    exchange
    Once your conveyancer gives the all clear you will now enter your agreed upon exchange period, This can vary, from a short or long period. The normal is 42 days.
  • FINAL STEP
    settlement
    On the date of settlement, usually in the afternoon your conveyancor, the vendors and the lender will ensure all of the items are in alignment, and once this occurs the vendors real estate agent will normally arrange to provide you will clear access to the property.

First Home Buyers Checklist

  • Research the market
  • Know your borrowing capacity & seek a pre approval
  • Calculate our repayments
  • Check if you qualify for any first home buyer grants or schemes
  • Seek professional advise and guidance as no two situations are alike, and you and your individual needs need to be taken into account.

All the lenders that matter

We continually review our lenders and their products to ensure our brokers and affiliate partners are able to meet our clients’ needs. Our lender panel consists of more than 20 residential and commercial lenders including major banks, regional banks, building societies, specialist lenders and mortgage originators.
1300 718 852
sara@scfbrokerage.com.au
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Sara Carr Finance Brokerage Sara Carr Finance Pty Ltd T/A SCF Brokerage ABN 34 652 897 286. Credit Representative 482366 Authorised under Australian Credit Licence 389328
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