If you are a first home buyer, buying a house in Perth, Sydney or anywhere in Australia, our team of experienced professionals can provide you with tailored advice to ensure that you make the best decision for your circumstances.
At Beyond Broking, we take that job seriously.
With access to over 50 lenders and banks, we search high and low to find you the most suitable deals, interest rates, and any first home buyers grants or other incentives you’re entitled to. In the end, the most suitable home loan for you may not be the one with the lowest rate or cheapest fees, but it will suit your circumstances, which is just as important.
Our experienced and friendly team work hard to ensure your first home loan experience is seamless. We take care of everything, and we're with you all the way to settlement and beyond!
We go on the home buying journey with you, from start to finish. We want you to be informed and by setting the right expectations upfront, it makes all the difference in ensuring you a pleasant first home buyers experience.
Executing the right strategy can be the difference between paying off your home loan sooner and avoiding unnecessary costs. We give you all the information, tips and recommendations to have a concrete plan in place that’s easy to follow.
We will guide you on setting the right purchase price boundary for your new home so that you can enjoy life without financial stress.
As a first home buyer you may be entitled to the First Home Owners Grant, stamp duty concessions/waivers and purchase cost assistance. Other government home buyer schemes may also be available such as the national First Home Guarantee Scheme. We’ll let you know what’s currently available and if you qualify as rules and regulations on these often change.
We consider the details of buying a home, beyond just the deposit. Stamp duty, pest inspections, registration fees, insurance and rate adjustments are a few costs to expect. We’ll take you through all normal home buying expenses at the start to plan ahead and make you well aware of what you’re getting yourself into. No nasty surprises!
You could save thousands of dollars by spending a few hundred. Over time the home loan you originally signed up for may not be as competitive as what’s currently available. You may have also built up additional equity that will give you access to more options. We suggest a quick home product check to see where you are placed and if we think you can do better we will find you the right option.
You don’t have to do much at all – as we do it all for you! We start with an assessment of your financial situation, review your current loan, get a valuation completed on your existing property and submit the forms. We will manage the process on your behalf to make this as simple as possible and keep you informed as everything progresses.
Expect to spend about $700 on refinancing. This will vary depending on the lender and the type of loan you have, however it covers settlement and registration fees while application and valuation fees are typically waived by the new lender.
To use industry jargon this is Debt Consolidation and yes this is something we can help you with. Some lenders will have restrictions on what you can consolidate but it can be a great way to simplify repayments and potentially benefit from lower interest rates associated with your home loan.
Variable interest rates move up and down and are normally relative to changes in official interest rates set by the Reserve Bank of Australia. A variable rate loan is beneficial when rates are on the decline or you need flexibility in your home loan.. Fixed interest rates don’t move. You can fix your rate for a particular period of time, normally between one and five years. But it’s most beneficial when rates are on the rise or want certainty in repayments.