Home Loans
Our Services, YOUR Options
Leveraging Debt to Achieve Wealth
Purchase
We provide Home Loans to those looking to purchase a:
First Home
Investment Property
SMSF Property
DHOAS Loan
Refinance
Refinance options for those looking to:
Save
Invest
Consolidate Debt
Renovate / Restructure
Investment Loans
Solutions for those looking to upgrade or expand your:
Current Home
Property Portfolio
SMSF Loan Strategy
Loan Structure
Construction Loans
Construction loans for those needing funds for:
House and Land Packages
Owner Builders
Build on your Block
Government Incentives
Eligibility criteria apply.
Federal Government Scheme
First Home Guarantee (FHBG):
Supporting eligible home buyers to buy a home sooner, with a deposit as little as 5%.
Regional First Home Buyer Guarantee (RFHBG):
Supporting eligible regional home buyers to buy a home sooner, in a regional area, with a deposit as little as 5%.
Family Home Guarantee (FHG):
Supporting eligible single parents and eligible single legal guardians of at least one dependent to buy a home sooner, with a deposit as little as 2%.
Click here to learn more.
Australian Capital Territory
The ACT Government has a concession scheme to help people to buy the home by removing or reducing duty on any property.
Click here to find out more.
New South Wales
First home buyers in NSW may be eligible for a duty exemption, concession or grant. Key workers, single parents and single people 50 or over may also be eligible for Shared Equity Home Buyer Helper.
First Home Buyers Assistance Scheme:
Full or partial exemption on Stamp/transfer duty.
First Home Owners Grant (New Home):
$10,000 towards the purchase price, in addition to the First Home Buyers Assistance Scheme benefits.
Shared Equity Home Buyer Helper:
Support for eligible first home buyer key workers.
Click here to find out more
Northern Territory
If you are buying or building a new home, you can apply for a First Home Owner Grant (FHOG) of $10,000.
Click here to learn more.
Queensland
The first home owner grant gives eligible first-time home buyers $15,000 towards buying or building a new home in Queensland.
The regional home building boost grant gives eligible applicants $5,000 after the purchase or construction of a brand-new house, unit or townhouse in regional Queensland.
When you buy or acquire a residence or vacant land on which you intend to build your first home, you may be able to claim a concession that reduces the amount of transfer duty you have to pay.
Click here to learn more
South Australia
First Home Owner Grant: You may be eligible for a first home owner grant of up to $15,000
Stamp Duty Relief for Eligible First Home Buyers: You may be eligible for a stamp duty relief on the transfer of land.
Click here to learn more
Tasmania
A first home owner grant is available to eligible applicants who purchase or build a new home in Tasmania. $30 000 grant: for transactions that commence between 1 April 2021 and 30 June 2024.
Click here to learn more.
Victoria
In Victoria you can receive $10,000 with the First Home Owner Grant (FHOG) If you are buying or building a new home valued up to $750,000.
To be eligible, the home must not have been previously sold or occupied. You may also be eligible for, and receive, more than one exemption, concession or reduction from stamp duty for your property.
Click here to find out more
Western Australia
You may be eligible to the grant being $10,000 or the consideration paid to buy or build the house if less than that amount.
Click here to learn more.
Maximizing Your Buying Power
Maximising your borrowing capacity
Finding the perfect home within your budget requires careful planning and strategic decision-making. In this article, we'll share valuable tips and strategies to help prospective homebuyers maximize their buying power and find a home that meets their needs without breaking the bank.
Prioritize Your Needs vs. Wants:
Make a list of your must-have features and amenities for your future home, such as the number of bedrooms, location, and property size. Distinguish between essential needs and desirable wants to narrow down your search and focus on properties that align with your priorities.
Explore Different Neighbourhoods:
Research various neighbourhoods in your desired location to find the best fit for your lifestyle and budget. Consider factors such as school districts, public transportation options, nearby amenities, and property values to determine which neighborhoods offer the best value for your money.
Negotiate with Sellers:
Don't be afraid to negotiate with sellers to secure the best possible deal on your home purchase. Work with your real estate agent to make a competitive offer based on market conditions, comparable sales, and the condition of the property. Be prepared to negotiate on price, closing costs, and other terms to reach a mutually beneficial agreement.
Leverage Government Assistance Grants and Schemes:
Explore Government assistance programs or first-time homebuyer incentives that may be available in your area. These programs can help you cover upfront costs and reduce the amount of money you need to bring to the table, making homeownership more accessible and affordable.
With careful planning and strategic decision-making, you can maximize your buying power and find the perfect home within your budget. By prioritizing needs vs. wants, exploring different neighbourhoods, negotiating with sellers, and leveraging Government assistance programs, you can make your dream of homeownership a reality without overextending your finances. Contact us today to discuss your borrowing strategy.
Credit Representative Number 545975 is authorised under Australian Credit Licence 384324 (outsource Financial Pty Ltd). This is general information only and is subject to change. Your complete financial situation will need to be assessed before acceptance of any proposal or product. Vadium Lending (ABN 62 213 831 884).
Maximizing Your Buying Power
Maximising your borrowing capacity
Finding the perfect home within your budget requires careful planning and strategic decision-making. In this article, we'll share valuable tips and strategies to help prospective homebuyers maximize their buying power and find a home that meets their needs without breaking the bank.
Prioritize Your Needs vs. Wants:
Make a list of your must-have features and amenities for your future home, such as the number of bedrooms, location, and property size. Distinguish between essential needs and desirable wants to narrow down your search and focus on properties that align with your priorities.
Explore Different Neighbourhoods:
Research various neighbourhoods in your desired location to find the best fit for your lifestyle and budget. Consider factors such as school districts, public transportation options, nearby amenities, and property values to determine which neighborhoods offer the best value for your money.
Negotiate with Sellers:
Don't be afraid to negotiate with sellers to secure the best possible deal on your home purchase. Work with your real estate agent to make a competitive offer based on market conditions, comparable sales, and the condition of the property. Be prepared to negotiate on price, closing costs, and other terms to reach a mutually beneficial agreement.
Leverage Government Assistance Grants and Schemes:
Explore Government assistance programs or first-time homebuyer incentives that may be available in your area. These programs can help you cover upfront costs and reduce the amount of money you need to bring to the table, making homeownership more accessible and affordable.
With careful planning and strategic decision-making, you can maximize your buying power and find the perfect home within your budget. By prioritizing needs vs. wants, exploring different neighbourhoods, negotiating with sellers, and leveraging Government assistance programs, you can make your dream of homeownership a reality without overextending your finances. Contact us today to discuss your borrowing strategy.
Credit Representative Number 545975 is authorised under Australian Credit Licence 384324 (outsource Financial Pty Ltd). This is general information only and is subject to change. Your complete financial situation will need to be assessed before acceptance of any proposal or product. Vadium Lending (ABN 62 213 831 884).
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