Before approaching any lenders or searching for properties, the most important thing for you to know is how much you can afford each month for your home. This includes not just the repayment for the mortgage, but also the other costs such as strata, council rates, etc. Budgeting only for the mortgage can be a costly mistake.
Your broker will be asking you questions regarding your medium, and long term financial goals. (eg Do you plan on paying off early? Do you want to grow your property portfolio?) It will help if you have a clear idea up front to assist the broker in matching you to the best suited product.
When it comes to taking out finance, there is no such thing as too much documentation. We will always strive to make the process as smooth as possible with the minimum amount of documentation, however, the more prepared you are, the quicker we can make the process for you. Be prepared with IDs, residential and employment histories, payslips, or tax returns and profit and loss statements if you’re self-employed. Bank statements to show patterns of spending and saving, plus also evidence of your deposit will be required. The more prepared you are the more efficient we are.
Once you know the above, enquire online or call us directly and we can help you with the rest. If there’s anything above you need assistance with, not to worry, our devoted team can answer all your questions and find the deal that best suits your requirements. We can guide you along the way no matter how early, or late, in the process you are. We put your mind at ease and make finding the best deal easy from start to finish.