There’s no need to feel nervous or unsure about meeting with one of our Home Finance Specialists. Here are some questions you might like to ask that will help you get the most out of your consultation:
- How much can I borrow?
- What will my repayments be?
- What fees and charges apply for my loan?
- What government charges apply (eg Stamp Duty)?
- What is mortgage insurance and will I have to pay for it?
- If I’m building, do I still qualify for the First Home Owners' grant?
- What is the best type of loan for my situation?
- How do I fill out the application form?
- Do I need insurance with my home loan?
What else do I need?
Once you’ve decided on the right loan for you, we’ll help you get the documentation together. But here’s an idea of what you’ll need to include in your final loan application:
- Two most recent consecutive pay slips.
- Most recent group tax certificate.
- Bank statements for the last six months to show your savings history.
- Evidence of term deposits, shares and other investments.
- Statements for the last six months for existing home loans and personal loans.
- Most recent credit card statement.
- Copy of the sale contract for the property being purchased.
- Copy of builders fixed price tender (including all specifications).
- Copy of council approved plans.
We can help you through the whole process, as we turn your dream home into a reality.
