We'll help you understand the loan types, grants and incentives to get you into your First Home

Buying your first home is an exciting milestone, and at Casa Mortgage Services, we are here to guide first home buyers through every step of the journey. Whether you are based in Canberra or anywhere else in Australia, our expertise in the property market and vast access to banks and lenders nationwide ensures that you can find the right Home Loan options to suit your needs. From understanding the ins and outs of interest rates to checking your eligibility for first home owner grants (FHOG) and lenders mortgage insurance (LMI) waivers, our goal is to make buying a home as straightforward as possible.

For first home buyers, understanding your borrowing capacity is crucial. We provide personalised assessments to determine how much you can borrow based on your financial situation, credit history, and the loan amount you wish to apply for. By assessing these factors along with your loan to value ratio (LVR), we can help you apply for a home loan that aligns with your budget and future goals. Our team also offers guidance on how to get pre-approved, simplifying the application process and giving you confidence as you search for your dream home.

Interest rates play a significant role in determining your monthly repayments. At Casa Mortgage Services, we offer insights into both variable and fixed interest rate options, helping you decide which aligns better with your financial plans. First home buyers may also benefit from interest rate discounts that we negotiate on your behalf, ensuring you get the best deal possible. Furthermore, we provide advice on whether an offset account could be beneficial in reducing the interest paid over the life of your loan.

Understanding additional costs like stamp duty is essential for first home buyers. While stamp duty can be a considerable expense, various exemptions and concessions may be available depending on your circumstances. We will assist you in exploring these options, ensuring you are fully aware of potential savings. Additionally, we keep you informed about available first home owner grants (FHOG) that could further ease the financial burden of buying your first home.

The property market can be competitive, but Casa Mortgage Services offers a streamlined application process to help you secure your first Home Loan efficiently. Our access to banks and lenders nationwide equips us with a broad range of investment loan options should you consider purchasing a first investment property in the future. We ensure that all necessary documents, such as bank statements, are in order and provide support throughout the investment loan application process.

Buying your first home is a significant step, and at Casa Mortgage Services, we are committed to making it a positive experience. By offering comprehensive support and access to Home Loan options from banks and lenders across Australia, we aim to empower first home buyers with the knowledge and confidence needed to make informed decisions. Contact us today to explore how we can assist you in applying for a home loan and making your dream of owning a home a reality.

Our Lending Process

Step 1: Credit Guide & Privacy Consent

You’ll receive an email link to our secure portal, Finance Vault, where you can access Credit Guide and Privacy Consent form and accept our Privacy Consent Form.

Step 2: Broker Fact Find

Fill out the Fact Find in Finance Vault, including all assets, debts (personal and business), and ongoing commitments like HECS, Afterpay, leases, and tax debts.

Step 3: Supporting Documents

Once Step 1 and 2 are complete, Finance Vault will update with a checklist of supporting documents needed to assess your borrowing capacity. We’ll guide you to ensure everything is submitted correctly.

Step 4: Loan Strategy Meeting

After verifying your documents, you’ll receive a link to book a strategy session with our Broker. In this session, we’ll discuss your goals, loan structure, and borrowing capacity.

Step 5: Product Comparison

We’ll send you a report comparing at least three loan options, along with Mark’s recommendation tailored to your needs.

Step 6: Application Handover

Once you choose a lender, your file is handed over to our Broker Support Manager, who manages your application through to settlement.

Step 7: Signing Documents

We will prepare your Credit Proposal and Loan Application for you to sign.

Step 8: Lodgement/Pre-approval

After signing, we lodged your application for pre-approval.

Step 9: Loan Approval & Final Steps

Once your loan is approved, we will guide you through the next steps—reviewing the loan agreement, confirming you understand all terms, and helping you arrange any required insurance (like LMI). We’ll also assist with setting up your repayments and offer tips for managing your loan effectively over time.

Step 10: Settlement & Ownership

When all documents are in place, your settlement is finalised. This is when the loan is advanced and, if you’re purchasing, ownership of the property is officially transferred to you. We recommend engaging a solicitor or conveyancer to ensure everything runs smoothly. After settlement, your lender will provide online access to your loan, and you’ll begin your repayment journey with confidence.