The exciting time has come that you feel ready to buy your first home. This decision is a big moment, so here at Leader Home Loans we are here to make this process as easy and beneficial to you as possible. We know that buying a house can be daunting and the world of home loans can seem complicated. As the best mortgage brokers in the area you can be assured that you will not only get the best deal you can, but will be working with our friendly team who are happy to take the time to really make sure you understand your options.
First Time Home Owners Loan
Working with the best mortgage brokers in the city, you can feel reassured that the process of getting you on the property ladder will be as simple and pain-free as it can be. A first time home buyer loan brokered by us will be an excellent first step into your future. We will process all your financial assessments and assist you in choosing the right mortgage for you. You may also be eligible for some governmental incentives and grants, and we will help you to secure this in addition to your mortgage. Once you’ve found your dream home, we will finalize everything!
How to Get a Mortgage
Your credit score is a key component for gaining a home loan. We will work with you to gather all your financial history information and build you a mortgage application that is representative of your financial stability. Once you have a chosen your option, (we will help don’t worry!), the bank will offer you a pre-approval, which basically means the figure that is the maximum you can borrow. Once you’ve found your dream home, a price is agreed that is within your mortgage budget. Once your deposit has been paid, we make the formal application for your home loan, it is passed, and the sale completes! From this point you are liable to for all your agreed repayments and any taxes necessary.
No Deposit Home Loans
Even without the best credit score it is still possible to arrange a mortgage. Some lenders will not consider you, but others will! If you have a bad credit history or perhaps you’ve never had anything that has used credit, we can help you to find ways around this. By building you an application that shows your responsibility and financial security now, some lenders will give you a home loan. Some lenders will be happy to use a system that uses alternative credit lines. This is commonly a documentational proof of rent payments, utility bills, and phone bills. If you can prove that you have a positive payment history and have had no late payments for 12 months, that may be enough! We can assist you in getting the best deal possible in this situation, although it is important to note that with a bad credit rating your interest rate will almost certainly be higher than someone with a good credit rating.
Got better things to do than put on a tie and meet loan officers? We won't even make you leave your home or office. In fact we can meet on the phone or Zoom and we can process the whole application online so you can focus on looking for a new home and planning your move. We'll help you find the best deal and put together an application that will give you the best possible chance of approval so you can get into your new home faster. Interested? Hit the button below or call us today on 1300 379 338
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