WELCOME FIRST HOME BUYERS!
Stepping into the world of homeownership is a thrilling journey, and The Happy Finance Company is here to ensure it's filled with joy from the get-go. Whether you're piecing together the puzzle of your first home purchase or just starting to dream about it, we're on hand to guide you through every twist and turn. Here's how we can make the path to your first home as smooth and happy as possible.
Getting started: Your roadmap to buying your first home
Want to buy your first home but not sure where to begin? Let's have a chat! We're eager to guide you through the maze, starting with the basics of the lending process and what lenders are looking for in your application. It's never too soon to prepare, even if you're thinking of buying 6 - 12 months down the line. We can set you on a path to save for your deposit and boost your credit rating (we'll explain what that is, too!). Plus, we can secure pre-approval for you, so you're ready to grab your dream home the moment you find it.
Learn the basics about buying your first home here!
Deposit size and savings plan
Learn about the deposit needed for your first home and tips to help you save for it efficiently. We'll also cover low-deposit options.
Enhance your borrowing power
Discover how guarantor loans can enhance your purchasing capacity and learn about the government grants and concessions available to first-home buyers.
Choose the right type of loan
Fixed vs Variable rates, Interest Only vs Principal and Interest loans—we'll help you navigate these choices to find the best fit for your financial goals.
Manage additional costs
From Lenders Mortgage Insurance to government fees, we'll explore the extra costs involved in buying a home and strategies to minimize them.
The experts you'll need
Buying your first home involves conveyancers, solicitors, building inspectors, and more—understand the roles of each in your home-buying journey.
Our services to you are complimentary
We get paid by the bank when your loan settles, meaning the benefits of using a broker don’t come as an extra charge. And just to ease your mind…. The commissions paid by Australian lenders are all within a similar fee structure, so there is no benefit to us for choosing one lender over another. It’s ALL about you.
ANDREA PALELLA (O'SHEA)
DAVID FRENCH
MATHEW CROSSLEY
MATTHEW GOODYEAR
