Looking to save money and time on your home loan process
We know what’s required to get you into your new home without the stress that comes with it
How do you find a home loan that fits our unique needs and set of circumstances when there are literally hundreds of options for first home loans? You speak to your FNG Specialist and let them do all the hard work, that is how. It will save you time, stress and a whole lot of confusion. They will even negotiate for you and do all the paperwork and legwork right up to settlement.
What can you afford to buy?
Before you purchase a property, it’s important to do your homework and find out exactly how much you will be able to borrow and what repayments you will be able to manage. Let’s get you started on the path to figuring that out. Contact your FNG Specialist in order to get a complete picture and get some exact figures.
How much can you borrow?
Take a good look at the numbers and get a rough estimate of how much you can borrow, your loan repayments, costs and more with our trusty mortgage calculators. Your FNG Specialist can give you an exact picture, so it is always better to speak to us.
Get your Pre-Approval
By getting a pre-approval done prior to shopping, it allows the lenders to assess your financial position ahead of time. A pre-approval is valid for up to 3 months, so you have the confidence of knowing exactly how much you can borrow for when you go to auctions, open homes or private sale discussions. This could be a powerful position if you’re in competition for a property where the other party may not be as well organised.
Understand how lenders assess your options
Lenders use several different things to determine if you qualify for a loan, and just how much you qualify for. Your FNG Specialist have access to all the criteria and can help you understand all your options and give you an opportunity to choose where you would like to place your mortgage, and who would suit your needs best.
Do not make rash decisions
Purchasing a property can often become emotional, stressful, and confusing. Especially when in competition for a property you really want. This is when it’s easy to make costly mistakes. Your FNG Specialist will be there to be the calming influence you need, so that rational and wise choices will be the order of the day.
Make sure your comfortable with your repayments
Your FNG Specialist will show you how a good budget can avoid you living and working just for your mortgage. The right repayment, and money aside for the unexpected can make your life with a mortgage much easier, so you don’t become the cliché.
We have helped many Australians secure the benefits the market has to offer and get them into their first homes. Don’t let the complexity that is securing the perfect loan for you deter you but instead partner with us and let one of our financial brokers secure the best deal for you.