First Home Buyers Guide
Buying Property is one of those decisions that shouldn't be rushed. Spend time doing the right kind of research.
Do Your Sums
Our home loan calculators will give you an indication of the amount you can borrow based on your particular circumstances.
Finding the right home loan is crucial and getting pre-approval for your loan makes it easier to buy.
So, now that you have found the right home loan ... you need the right home! It is time to go house hunting.
Buying property is likely to be the biggest financial commitment you will make during your lifetime. It is important to get legal advice.
Make an Offer
Auction vs Private Sale, Conditional vs Unconditional and Buying 'off the plan'. How are they different?
It's time to get your home loan formally approved. Its best to finalise your loan before you pay deposits or exchange contracts.
Exchanging contracts means the sale is almost complete! And you'll need to have your deposit ready.
Get Ready to Move
Moving house is always hard work, no matter how organised you are. You can use our checklist to make sure it all goes smoothly.
Settlement is an exciting time but it can be confusing for first-timers. Here's our guide to how the process works.
In addition to the First Home Owner Grant, some States also give concessions and exemptions on stamp duty for first home buyers.
Here's how Austral Mortgage can help you with your first home loan: your deposit bond, your interest rate, your offset account and more...