Home Loans
When you need the best advice,
trust the experts in home loans and finance
When it comes to important decisions, you want the best advice and support.
Our extensive experience and personal touch ensures you get the best of both when it matters the most.
Big decisions need dedicated personal advice. Speak to the Expert Mortgages Team about how we handle home loans differently.
First Home Buyers
STEP 1 – Saving for a deposit
The first step in saving for a house deposit is to set a savings goal. Most lenders will require a minimum of 20% of the purchase price as the deposit. For e.g. If you are looking at buying a home for $500,000, you will require $100,000 as deposit.
There may be some exceptions, such as through a welcome home loan scheme for first home buyers, you may only need 10% deposit.
STEP 2 – Pre-approval
Before you start looking for a home, you will need to know how much you can spend. The best way to do that is to get preapproval for a mortgage.
To get pre-approved, you just need to provide us your financial information, such as your income and the amount of savings and investments you have. Once we have this, we can proceed with getting you a pre-approval. The pre-approval is usually valid for 3 months.
STEP 3 – Finding the right property
Take as much time as you need to find the right home. Then work with your real estate agent to negotiate a fair offer based on the value of comparable homes in the same neighbourhood.
Now the fun begins! You should take into consideration your future plans for yourself and your family. Start looking at a few properties online, drive arond neighborhoods to get a feel for the area and go to a few show days. Take as much time as you need to find the right home. Then work with your real estate agent to negotiate a fair offer based on the value of comparable homes in the same neighbourhood.
STEP 4 – Finalizing your mortgage
Every home buyer has their own priorities when choosing a mortgage. Some are interested in keeping their monthly payments as low as possible.
Others are interested in making sure that their monthly payments never increase. And still others pick a loan based on the knowledge they will be moving again in just a few years. We help you decide the structure of the loan that fit with your needs.
Refinancing
Investment Property
Mortgage Calculator
What our customers say
Puneet's in depth knowledge regarding finance on case to case basis is mind blowing ,his dedication towards his business for making his clients dream of securing a property with vision of financial independence is admirable.
My husband and have done business with Kunaal in the past and we were always happy with his advice. Recently we’ve worked together again and we highly recommend him, his knowledge, expertise, and we know him as 100% trustworthy. Kunaal takes care of everything!
Makes it a point to perfectly understand your business structure and financial requirements. Very quick in doing the numbers and coming up with an appropriate solution coupled with good advice. Absolutely straightforward in his dealings and a person you can rely on.
Experience speaks and this is what Puneet follows to make the home process easy and hassle free. Keep soaring new heights.
An experienced adviser who truly makes buying your new home process hassle free.
The Expert Mortgages Team went above and beyond our requirements when it came to buying our first home. Puneet helps negotiate the best rate and conditions on the loan and went out of his way to keep us in the loop at every step. The process was seemless and actualy quite enjoyable! Loved it!
Extremely helpful and supportive. Kunaal recently helped us to secure finance for our first home. We found him extremely knowledgeable and supportive keeping us informed of each and every step and Also recommended best solution for our banking.
