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.
The Mortgage Process
The Mortgage Process Explained
Navigating the mortgage process can seem daunting, especially for first-time homebuyers. In this article, we'll break down the mortgage process into manageable steps and provide practical tips to help prospective homebuyers understand what to expect along the way.
Understand Different Loan Types:
Research different types of home loans, including fixed-rate mortgages, variable-rate mortgages, Government incentives, and Guarantor loans. Understand the pros and cons of each loan type and choose the one that best fits your financial situation and long-term goals, if you are ever not sure about the type of loans out there, we are here to support you every step of the way
Gather Necessary Documentation:
Prepare the necessary documentation required for the mortgage application process, such as pay stubs, tax returns, bank statements, and proof of employment. Having these documents ready will streamline the application process and expedite loan approval.
Work with a Mortgage Broker:
Choose a reputable Mortgage Broker to work with and schedule a consultation to discuss your financial goals and mortgage options. A knowledgeable broker can guide you through the mortgage process, answer any questions you may have, and help you find the right loan for your needs.
Navigate the Closing Process:
Once your mortgage application is approved, you'll move on to the closing process. During this time, you'll review and sign various documents, pay closing costs, and finalize the purchase of your home. Work closely with your broker, conveyancer and real estate agent to ensure a smooth and successful closing.
By following these steps and staying informed throughout the mortgage process, you will be able to navigate homeownership with confidence and ease. Remember, your mortgage broker is there to support you every step of the way and ensure you understand the process from start to finish.
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).
The Mortgage Process
The Mortgage Process Explained
Navigating the mortgage process can seem daunting, especially for first-time homebuyers. In this article, we'll break down the mortgage process into manageable steps and provide practical tips to help prospective homebuyers understand what to expect along the way.
Understand Different Loan Types:
Research different types of home loans, including fixed-rate mortgages, variable-rate mortgages, Government incentives, and Guarantor loans. Understand the pros and cons of each loan type and choose the one that best fits your financial situation and long-term goals, if you are ever not sure about the type of loans out there, we are here to support you every step of the way
Gather Necessary Documentation:
Prepare the necessary documentation required for the mortgage application process, such as pay stubs, tax returns, bank statements, and proof of employment. Having these documents ready will streamline the application process and expedite loan approval.
Work with a Mortgage Broker:
Choose a reputable Mortgage Broker to work with and schedule a consultation to discuss your financial goals and mortgage options. A knowledgeable broker can guide you through the mortgage process, answer any questions you may have, and help you find the right loan for your needs.
Navigate the Closing Process:
Once your mortgage application is approved, you'll move on to the closing process. During this time, you'll review and sign various documents, pay closing costs, and finalize the purchase of your home. Work closely with your broker, conveyancer and real estate agent to ensure a smooth and successful closing.
By following these steps and staying informed throughout the mortgage process, you will be able to navigate homeownership with confidence and ease. Remember, your mortgage broker is there to support you every step of the way and ensure you understand the process from start to finish.
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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