Welcome to Your First Home Journey

Buying your first home is an exciting milestone, and we're here to make the journey as smooth and enjoyable as possible. We understand that purchasing a home is a significant decision, and we're committed to providing you with the guidance and support you need every step of the way.

Tips for First-Time Home Buyers

Understand Your Budget

Before you start house hunting, determine how much you can afford. Consider your income, monthly expenses, and how much you can comfortably pay each month for a mortgage

Find the right location

Research the areas you're interested in and look for a neighbourhood that fits your needs and lifestyle.

Save for a Deposit

Start saving early for your deposits. The more you can put down, the less you need to borrow, which can lower your monthly payments.

Understand your Mortgage Options

Whether it’s a fixed-rate or tracker-rate mortgage, each has its pros and cons. Consult with a mortgage planner to choose the best option for your financial situation and long-term goals.

Step by step to your dreamhome

1. Consider

Deciding to buy a property is a big decision, one with many considerations, such as:

Which bank will have the best mortgage solution for me?
How much can I borrow
What do I need to know about getting a mortgage?
What key documents do I need to provide in order to apply for a mortgage?
How do mortgages work?
How much will it cost me?

2. Explore

Our Mortgage Planners can help you define your price range.
Searching for a property to your liking and within your budget.

3. Select

Have you found your dream home?
Contact our mortgage planners to discuss the next steps to proceed with your purchase
You will receive your personalised meeting summary for you to take the decision as to whether it will suit your requirements, including fees and interest levels

4. Approval

Your offer for your new home has been accepted!

Submit your application and other relevant documents to your Mortgage Planner
Our Mortgage Planners will review your application and get back to you within 7 working days
If the application is approved, we will issue you with the loan documents; this includes a facility letter, key terms and conditions and gives you a 7-day reflection period before you accept the mortgage offer.

5. Purchase

We will arrange for the property to be valued (surveyed)
At this point, you will also need a lawyer to act for you in the purchase and transfer of the property into your name
We will instruct lawyers to act on behalf of the Bank, and they will liaise with your lawyers to ensure all of the Bank's security formalities are in place ready for drawdown of the mortgage

6. Complete

Once the completion date is agreed, the deed of the mortgage is signed at your lawyer's office. The mortgage is drawndown and funds are transferred to the lawyers ready for completion of your property purchase
On completion day the funds are paid to the seller, the property is transferred into your name(s) and you get the keys to your new home!

Start Now

Explore Our Mortgage Options for Your Home Needs

Fixed Mortgage

A rate that won't change for a specified period of time. The benefit of a fixed rate mortgage is that you will not be affected by rising or falling interest rates for a set period of time.

Find out more

Flex Mortgage

If you are looking for a variable rate mortgage that tracks base rate for the whole loan term, and which will allow you to make unscheduled overpayments without penalty.

Advantage Mortgage

The Advantage Mortgage aims to help with the early years of your mortgage payments by providing you with a discounted interest calculation basis in the early years of your mortgage.