First Home Buyers - Finance & Mortgage Broker

First Home Buyers

We'll help you into your First Home

5.0

from 17 Reviews

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, but it can also feel overwhelming. At Clubhouse Finance, we specialise in assisting first home buyers in Perth and across Australia. With access to Home Loan options from banks and lenders nationwide, we aim to make your journey to home ownership as smooth as possible. Whether you need help understanding your borrowing capacity, finding the right interest rate, or applying for a home loan, our experienced team is here to guide you through the process.

One of the most important steps in buying your first home is understanding your financial situation. This includes evaluating your credit history and determining your loan amount. Your credit history can affect the interest rate you receive and your eligibility for a loan. We can help you check eligibility for Lenders Mortgage Insurance (LMI) waivers and first home owner grants (FHOG), which can significantly reduce your upfront costs. Additionally, we provide insights into the loan to value ratio (LVR) and how it impacts your borrowing capacity.

Another crucial aspect of the home-buying process is understanding the different types of interest rates available. Fixed interest rates offer stability, allowing you to budget with confidence, while variable interest rates provide flexibility, potentially leading to interest rate discounts. Our team will explain these options, helping you decide which suits your financial needs best. For those considering an offset account, we can illustrate how it can help reduce the interest you pay over the life of your loan.

The application process can often be complicated, with numerous documents required, including bank statements and proof of income. At Clubhouse Finance, we offer a streamlined application process to make it easier for you to apply for a home loan. Our expertise extends beyond first-time buyers; we also assist those looking at investment loan options or applying for their first investment property. Understanding the property market is key, and our local knowledge in Perth and Australia-wide insights ensure you're well-informed every step of the way.

Understanding costs like stamp duty is vital when buying a home. We can guide you on how these costs affect your overall budget and how you can plan accordingly. Additionally, if you're looking to get pre-approved for a home loan, we provide clear guidance on what this entails and how it benefits your purchasing power in the property market.

In summary, buying your first home doesn't have to be difficult. With Clubhouse Finance by your side, you can confidently apply for a home loan with access to banks and lenders across Australia. We help you make informed decisions about interest rates, evaluate your financial situation, and understand the intricacies of the loan application process. Contact us today and let us help you take the first step towards home ownership with our personalised service and expert advice.

Our Recent Reviews

Ed was a pleasure to work with and was always available to answer any questions I had. As a first home buyer I found this to be invaluable and I would absolutely recommend Ed.

Theo Whitney

Ed was absolutely outstanding to work with. As first home buyers, I felt completely supported from start to finish. He took the time to clearly explain every step of the process and made what could have been a stressful experience feel smooth and manageable. His communication was excellent, keeping me regularly updated and coordinating seamlessly with the bank, real estate agent, and settlement agent to keep everything moving. Ed’s professionalism, paired with his warm and approachable personality, gave me total confidence thatI was in safe hands throughout the entire journey. He truly went above and beyond, and I couldn’t recommend him more highly

Chloe Pendlebury

I’ve worked with Ed as my mortgage broker for nine years and I honestly wouldn’t go anywhere else. He has been an incredible source of support through every stage, whether things were straightforward or complex, sensitive, and time-critical. No matter how busy he is, Ed is always accommodating, responsive, and genuinely invested in getting the best outcome. He explains things clearly, stays calm under pressure, and makes what can be a stressful process feel manageable and supported. I trust him completely and highly recommend him to anyone wanting a broker who truly goes above and beyond.

Lyndsey Mead

As first home buyers, Ed was extremely supportive throughout the entire process and helped us understand what was required at each step from the outset. He communicated with us regularly, keeping us up to date where everything was at, especially when working with the bank, real estate agent and settlement agent to keep things moving. He truly went above and beyond, and we couldn’t recommend him highly enough!

Izzy Rakich

Frequently Asked Questions

Why should I use a Mortgage Broker?

Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.

What kind of interest rates can you offer?

We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.

Can you help with refinancing an existing Mortgage?

Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.

Can you help First Home Buyers?

We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.

Are your mortgage brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.

Can you only help with Home Loans?

We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.

Contact

Perth, WA

0410 171 925

Clubhouse Australia Pty Ltd ABN: 15 633 208 812. Credit Representative #516238 is authorised under Australian Credit License #389328

Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.