First Home Buyers - Finance & Mortgage Broker

First Home Buyers

We'll help you into your First Home

5.0

from 11 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.

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Our Recent Reviews

Ed helped me with securing my first home and he couldn’t have been anymore helpful even on the weeks we had no updates he would still reach out and let me know how everything was going. Being my first home I had very little knowledge on buying an house and Ed broke everything down and made everything so simple to understand and had an answer for every question I had. I would HIGHLY recommend Ed to anyone and everyone I know and I can’t thank him enough for the hard work and all the help he put in for me.

Tyler Eversen

We have been dealing with Ed now for over 6 years and during that time have been assisted by Ed through the purchase, refinancing and sale of numerous residential and commercial properties. Ed is knowledgeable, approachable, reliable and communicative which makes the whole process of obtaining finance for your purchase an enjoyable experience. We have enjoyed the prompt and detailed communication through all stages of each transaction and the personal nature of the service. We would (and have) recommended Ed to anyone seeking to build a long term relationship with a broker.

Mitchell Jones

Securing my first home loan as an ex-pat purchasing internationally (here in the UK) was no small feat, but Ed made the process seamless. He went above and beyond what I ever expected from my mortgage broker, handling every hurdle—many of my own making—with speed, adaptability and professionalism. The time zone difference could have been a major challenge, but he was always available, working outside of regular hours to make sure everything stayed on track. Without his dedication and expertise, I’m not sure I would have made it through the process. But here we are - home secured and looking to use Ed at the next possible chance.

James Chaffey

We engaged Ed to help us secure our first home & he was first class in the service he provided from start to finish. This was our first time purchasing a home & as such Ed went over & above to ensure we were across all necessary details and that we felt secure in the decisions we were making. This lead to a seamless process & I would certainly recommend Ed for anyone seeking a similar level of service & professionalism.

Kyle Petrie

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.

Request a Call Back

Name

Phone Number

Email Address

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.