Home Buyers

Buying your first home

first-home-buyer

Buying your first home can be overwhelming!

We are here to help you from the beginning to end

What do you need to do first?

You need to calculate

1. How much you can borrow?

This depends on
1. Your deposit amount
2. Your income level
3. Your existing financial commitments

2. How much deposit do you need?

This depends on
1. The lender that you use
2. The purchase price
3. Whether you build or buy established

First Home Owner Grant

The first home owner grant (FHOG) is a one-off grant payable to first home owners that satisfy all the eligibility criteria.

First home owners purchasing or building a new home may be eligible to receive a grant up to $10,000.

As of 3 October 2015, first home owners purchasing an established home are no longer eligible for the first home owner grant, but may still be eligible for the first home owner rate of duty.

You may be eligible for a FHOG – your Money Tree broker will assist you you’re your application.

Arrange a call back today or book an appointment Contact Us

What Clients Say

My partner and I were very anxious about getting our first home loan. Hellen was incredibly supportive right from a free consultation before we even had our deposit together, through to applying for the loan a year later. She was patient and answered our many questions throughout the process. Even today we keep her updated on our progress and ask for advice on paying off our loan quickly. We’d like to thank Hellen for her patience and flexibility!

My experiences with Hellen have been overwhelmingly positive and I can’t recommend her enough. From the time we first spoke on the phone, through our initial meeting and all following interactions, Hellen has been a valued partner for me in buying a new home. Not only has she assisted with accurate and helpful advice with regards to the mortgage itself, she has also always been available, often at short notice, to discuss any questions I had about the process overall.

The difference between Hellen and other brokers I have used comes down to her approach; it doesn’t feel like I’m just another client for her, instead I am someone that is important and deserves her personal attention. She is someone I can rely on for advice, has been always responsive, always professional and always delivered for me when I needed something.

Our new business was showing potential but we needed an injection of cash to take it to the next level. Our bank, however, refused to help us out and the finance brokers that we spoke to said not to bother trying, as we had no chance of getting a loan!

Then Hellen was recommended to us and it literally changed our business!

Hellen was able to share the vision we had of putting a mobile cat grooming van on the road, the only one of its kind in Perth. She left no stone unturned in finding a loan provider that was not only willing to give us the money but also a repayment scheme that suited us. The support she gave us right through the process was exemplary!

Since then the business has not looked back and we are considering expanding again.

When we do Hellen will be the one we call!

I have no hesitation in recommending Hellen’s services to anyone.