First home owner loans

caloundra, sunshine coast QLD

Home Loans, Refinance, Investment Loans and much more…All lending solutions

First homeowners Aura, Sunshine Coast QLD.

For first homeowners considering the Aura Sunshine Coast development, navigating the world of home loans can seem daunting.

However, there are various options and resources available to make the process more manageable and accessible. Let’s explore some potential first homeowner loan options tailored to those interested in purchasing a property in Aura:

The idea of buying your first home and your first home owner loan is undoubtedly exciting, but it can also feel overwhelming, especially when navigating through the various grants, schemes, and buying options available. Fear not!

This guide is tailored to assist you in understanding the ins and outs of becoming a first homeowner in Caloundra. What options you have for your first home loan.

Let's Chat

Guide

First Home Owners Loans

1. First Home Loan Deposit Scheme (FHLDS)

The First Home Loan Deposit Scheme is a government initiative designed to assist eligible first home buyers in purchasing a home with a deposit as low as 5%, without needing to pay Lenders Mortgage Insurance (LMI).

This scheme aims to make home ownership more attainable for individuals or couples entering the property market for the first time.

Since Aura is a new development, many properties may qualify under this scheme, allowing buyers to secure their dream home with a smaller deposit.

2. First Home Buyer Grants and Concessions

In addition to the FHLDS, first home buyers in Queensland may be eligible for the First Home Owner Grant (FHOG).

This grant provides financial assistance to eligible buyers purchasing or building a new home valued under a certain threshold.
As of my last update, the FHOG in Queensland offered $30,000 towards eligible properties.

Additionally, first home buyers may benefit from stamp duty concessions or exemptions on their property purchase, further reducing the upfront costs associated with buying a home in Aura.

3. Home Loan Products for First Home Buyers

Many banks and financial institutions offer specialized home loan products tailored specifically for first home buyers.

These products may feature lower interest rates, reduced fees, or additional benefits such as flexible repayment options or loan portability.

It’s essential for first home buyers to research and compare different loan products to find the one that best suits their financial circumstances and long-term goals.

4. What we can do as your Mortgage Broker.

Navigating the complexities of home loans can be overwhelming, especially for first home buyers.

As your Mortgage broker we can provide valuable assistance by helping buyers understand their borrowing capacity, explore loan options, and navigate the application process.

Can offer personalized guidance and advice tailored to individual financial situations, helping first home buyers make informed decisions about their home loan needs.

Aspiring homeowners interested in purchasing a property in the Aura Sunshine Coast development have access to various first homeowner loan options and resources to support their journey towards home ownership.

From government schemes like the First Home Loan Deposit Scheme and First Home Owner Grant to specialized home loan products and professional guidance, there are plenty of avenues for first home buyers to explore.

With careful research, planning, and assistance from relevant experts, first home buyers can navigate the home loan process with confidence and secure their dream home in Aura.

Let's chat

Access you situation

Find a lending solution

Your Story = Lending Solutions

Whatever your situation maybe let's find a lending solution for you....

FAQ

Frequently Asked Questions

How much do you charge for your services?

My services to my clients are free of charge, I get paid a commission from the lending institution that has been chosen by you. So after settlement of your loan the bank or financial institution will then pay me a commission for doing the loan. So my job is to help you find the best loan option for you for your situation.

Lets Chat

+61 447503399

What area do you cover and how do I get in contact?

I can service anyone in Australia online, you make an appointment either by chatting with me at first, you can make an appointment with me and I can either setup a virtual meeting through zoom and or I can come visit you on the sunshine coast or close by which ever suits. I am located South end of the Sunshine coast. Caloundra, little mountain and I can travel to see you, no matter where you are we can can chat to find the right method in achieving a financial outcome for you.

Lets Chat

+61 447503399

Can you tell me how much I can borrow?

Every bodys situation and story is different, I can help you with this and there are a lot of things to consider, like your income and employment status, your expenses, liabilities, assets, age, dependants and where you may want to buy if purchasing a home. I can guide you through this and the different policies and lenders have around you own personal circumstances.

Lets Chat

+61 447503399

What's difference between using mortgage broker v's bank?

Using a mortgage broker they have your best interest and are able to work for you and not their own interests, mortgage brokers will have access to all and or many lenders and financial institutions and know their credit policies to suit your circumstances as not all lending products are the same. Using your local bank may not have a suitable product to meet you needs as each bank and lending solutions may only have a handful of products and will niche to certain criterias and industries for their products to match, your broker can match the right lender for you and or your situation and get you a better rate and in some cases a better discount.

Lets Chat

+61 447503399

What is the benefit of obtaining a Pre – Approval?

The benefit of obtaining a pre-approval is that you know how much you are able to borrow and spend on a home. This will save you a lot of time in the home hunting process and you will know what you can afford and to be realistic in the buying process and what you will be up for in purchasing costs. A Pre-approval can also make you more attractive to a potential seller. Getting pre-approved for a loan indicates that you’re serious about buying the property. and will also speed up the buying and settling process as the pre – approval also will be valid for a period of time to help in taking out the stress in buying and settling.

Lets Chat

+61 447503399

Do you offer ongoing support after loan has settled?

From the very first loan we do for you, our focus is on keeping your lending costs down with proven strategies that accelerate your financial freedom – including our Client Care Program. In fact, it is crucial to our success that we do such a great job for you that will want to mention us to your friends and family when they are thinking about their next loan.

Lets Chat

+61 447503399

Does working with a Broker affect my Credit Rating?

Every time you make a loan inquiry with a lender it is recorded on your credit file. Lenders see this and it makes them wary of lending to a person they think is ‘shopping around’ too much for finance or who may have been declined by another lender. We make sure not to present your loan to a lender unless they are confident it will be approved.

Lets Chat

+61 447503399

KA Lending Solutions - Mortgage Broker Caloundra QLD

5.0

review us on

Sharni Steinhardt

04:12 20 May 24

Not only will Kerry-anne get you the highest loan possible for you, she is also absolutely fantastic to communicate with during the whole home loan application process. She goes above and beyond to ensure you have all the information you need to make the process as stress free as possible. I will be contacting her in the future for our next purchace.

Danielle Hartley

03:22 17 May 24

I spoke to Kerry to discuss my options in trying to get into the property market as a single parent first home buyer. Kerry provided excellent information on steps I should take to ensure I have everything sorted at the time of my application. Thank you Kerry.

Darlene Hartley

02:50 17 May 24

KA Lending Solutions are really going above and beyond to help my daughter reach her goal of buying her first home, thank you so much Kerry-Anne for your help.

First home owner loans

caloundra, sunshine coast QLD

Home Loans, Refinance, Investment Loans and much more…All lending solutions