First Home Buyer FAQ ?

Can I buy with HECS debt?
Yes, but it reduces your borrowing power.

Do I need full-time employment?
No, casual, part-time, & self-employed buyers can qualify.

How long does approval take?
Typically 3–10 days.

Can I use gifted money as a deposit?
Yes, with a Stat Dec."

Contact Us to Learn More

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What goes into a Loan Application ?

Here's what lenders want to see:
* 2 recent payslips
* Last 2 years tax returns (if self-employed)
* 3 months bank statements
* ID (passport/licence/medicare)
* Evidence of savings/deposit
* Details of any debts

I handle the application for you & do all the heavy lifting— you just provide the docs.

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Why use Broker Instead of Your Bank ?

Your bank offers you their products.
A broker offers you the market.

We work with 35+ lenders — Banks, Credit Unions, Non-Banks — to find the loan that actually fits your situation.

And our service is at no cost to you.
We're paid by the lender, not you.

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Lenders Mortgage Insurance (LMI) protects the bank — not you — if you default.

How to avoid it:
* Save a 20% deposit
* Use the First Home Guarantee (5% deposit, no LMI)
* Use a guarantor (family pledge)

There are options. Let's find yours.

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Is Your Credit Score Ready to Buy ?

Lenders check your credit score before approving any loan.
What helps:
* Paying bills on time
* Reducing credit card limits
* Avoiding multiple loan applications

What hurts:
* Defaults or late payments
* High card Utilisation
* Too many credit enquiries

Contact us to Learn More

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Mortgage Rates Myths vs Reality: Finally Exposed

Discover the truth behind mortgage refinance rates today, debunk common myths, and learn how California's slight rate edge impacts your monthly payment.

https://mortgagepath.online/mortgage-rates-myths-vs-reality/

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Lock Mortgage Rates for 30-Year Fixed Today vs Dip

Lock mortgage rates for 30-year fixed today and avoid costly spikes. Learn why a 4¢ monthly drop saves $3,000+ per year and how to secure the best refinance rate

https://mortgagedeal.online/lock-mortgage-rates-30-year-fixed-today-vs-dip/

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4 Smart Paths Mortgage Rates Drop vs First-Home Costs

Discover when to lock in lower mortgage rates, compare California refinance figures, and use calculators to save thousands on your first home.

https://refinanceguide.online/4-smart-paths-mortgage-rates-drop-vs-first-home-co/

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4 Mortgage Rates vs 15-Year Refs - Hidden Savings

Discover how refinancing now can cut 0.3% off your mortgage payment, compare rates, and use calculators to unlock hidden savings for California homeowners.

https://mortgagefacts.online/4-mortgage-rates-vs-15-year-refs-hidden-savings/

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Mortgage Rates vs 30-Year Fixed California First‑Time Savings

Learn how California first‑time buyers can compare mortgage rates, 30‑year fixed refinance options and savings strategies in a step‑by‑step guide.

https://mortgagetips.cloud/mortgage-rates-30-year-fixed-california-first-time/

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