The loan process.
From a quick chat to settlement, these are the steps to owning your first home.
Get in touchFirst Home Loans
Buying your first home is an exciting milestone, but it can also feel overwhelming. At AY Home Loans, we understand that purchasing your first home in Melbourne comes with a unique set of challenges. That's why we're here to guide you through every step of the journey, making the process smooth and stress-free.
Why Choose AY Home Loans?
As a first-time buyer, you may have a lot of questions: Where do I start? How much can I borrow? What costs should I be aware of? We’re here to provide clear answers and personalized advice tailored to your unique situation.
- Personalized Guidance: We offer one-on-one consultations to understand your financial situation and help you navigate the complexities of securing your first home loan.
- Expertise You Can Trust: With over a decade of experience in mortgage broking and conveyancing, we know the ins and outs of the whole process. We’ll make sure you’re fully informed, from understanding loan options to decoding contract terms.
- Licensed Conveyancer Support: As a licensed conveyancer, we can also guide you through the legal aspects of your purchase — from understanding the special conditions in the contract to navigating the settlement process.
- Access to 60+ Lenders: We have a broad network of lenders and banks, meaning we can compare a wide range of products to find the one that best suits your needs. Whether you’re looking for a low-interest rate, minimal fees, or a lender who supports first-time buyers, we’ve got you covered.
Tailored Solutions for First Home Buyers
We understand that every first home buyer has unique needs and goals. That’s why we offer:
- Step-by-Step Support: From pre-approval to settlement, we’ll walk you through the entire process, making sure you’re comfortable and confident in every decision.
- Budget Planning: We’ll help you understand all the costs associated with buying your first home, from stamp duty to ongoing expenses, so there are no surprises along the way.
- First Home Buyer Grants and Concessions: We’ll help you take full advantage of any grants or concessions available, such as the First Home Owner Grant and stamp duty exemptions, to make your dream of homeownership more affordable.
Start Your Journey Today
We know that buying your first home is a big step, but you don’t have to take it alone. Let us be your trusted partner on this journey. Contact us today for a no-obligation consultation, and let’s get started on turning your homeownership dreams into reality.
Experience our difference today—where first-time buyers are always first in line.
Getting into the property market is one of the biggest financial decisions you'll make. From confusing contracts and jargon filled paperwork to inspections and ultimately, sealing the deal – we’re here to give it to you straight.
Like the homes on your wishlist, no two loans are the same. Step by step, we’ll help you make sense of the nonsense, and work with over 60 banks and lenders to find the loan most suited to your first home.
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Say hello
It all starts with taking about one minute to answer a few simple questions right here. When you’re done, we’ll meet to talk about your goals, opportunities and next steps, in person or online.
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Get those goals
Once we know what you need, we’ll research 60 banks and lenders to provide you with loan recommendations best suited to your needs.
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The nitty gritty
Found your lender? Well sit back. We’ll do the paperwork and package, sign and lodge your documents to get you primed and ready for pre-approval.
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So… How much can you borrow?
If your pre-approval gets the tick, your borrowing power will be revealed. This amount is valid for three months and gives you a clear idea of what you can spend. Let the house hunting begin!
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Seal the deal
After all the ups and downs of the home buying hunt, you’ve found a home and made an offer. While you pop the champagne, we’ll keep track of your application to ensure it all runs smoothly.
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Settlement - your big day!
Get excited, it’s time for settlement. Sit back and enjoy the moment, we’ll let you know when everything is finalised and your lender has released the funds.
Ask us a question
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