First Home Buyers

First Home Buyer Loans in Kingscliff

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Mortgage Brokers You Can Trust

While the process can be challenging, the decision to purchase your first home is one that will set you up for the future. The important thing to remember is that you don’t have to navigate the unchartered territory on your own. 

 

At MoneySmith Group, we look at all your options, including eligibility for a first home buyer grant or other incentives such as stamp duty and land tax reduction. 

 

From making the decision to purchase to finding the right loan, saving for your deposit and finding and securing the perfect home. Step by step, you can achieve your financial goals, and our mortgage brokers are here to support you all the way. 

 

To find out more about our services, call us today on 0433 149 788. We’re here to assist clients throughout the Northern Rivers and surrounds, including Tweed Heads, Banora Point, Pottsville, Murwillumbah, Ballina, Gold Coast and Robina . 

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Refinancing

Considering re-financing your loan? The most common reason people consider re-financing is to get a better interest rate. But it can also give you access to the equity of your home to cover major costs such as school fees, a family holiday or allow you to renovate your property which could, in turn, add to its value. 

 

Before you make the decision, talk to us and we will help you consider all the options available to you. 

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Self Employed

Self-employed and having difficulty getting a loan to buy your first home? This situation is unfortunately all too common for self-employed and small business owners. At MoneySmith Group, we are here to help you with securing a home loan so you can start setting up for your future. We will carefully consider your individual circumstances, such as how long you have been operating your business and whether there were reasons for lower incomes in preceding years in order to assist you with getting the best result outcome. We will:

  • Work with you and do everything possible to understand your circumstances. 
  • Provide self-employed mortgage lenders with detailed notes about your business and financial history. 
  • Search for a mortgage lender that’s suitable for your individual situation. 
  • Keep you regularly informed about developments so you know where you stand. 
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Frequently Asked Questions

  • What information is required to apply for a loan as a first home buyer?

    In order to apply for a loan as a first home buyer, you will need to provide information about your income, employment history and debts. You will also need to have a down payment saved up. The down payment amount will vary depending on the type of loan you are applying for.

  • What’s the best way to get started on a savings plan?

    Start by evaluating your current financial situation and determine how much you can realistically save each month. Then, develop a budget and make sure to include a savings goal for your down payment. Once you have established a plan, automated transfers or deposits into a dedicated savings account can help you stay on track.

  • Why is it difficult for self-employed workers to get a home loan?

    One reason is that self-employed workers may have irregular income, which can make it difficult to prove income stability to a lender. Another reason is that self-employed workers may have difficulty providing the documentation that lenders typically require, such as tax returns. Self-employed workers may also have a higher debt-to-income ratio than traditional employees, which can make it challenging to qualify for a loan.

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