There’s no denying it, the property market can be complicated when you’re first entering. Selecting the right property, securing the loan to finance it, and taking steps along the mortgage process can seem overwhelming at first, but it needn’t be!

The best way to focus is to have a strategy, and this often centres on doing your research beforehand. Asking the right questions to receive the best information is also essential, so browse the topics below to head in the right direction. If you’d like to chat to one of our broker partners, then please do get in touch – they are experts at guiding you through the entire process from start to finish.

How much money can I borrow?

The amount you may be able to borrow will vary from lender to lender, and obviously depends on your personal circumstances. However, one way to get an idea of your borrowing power is to use our borrowing power calculator tool – this can give you a rough guideline. Of course, a broker would also be able to give you a detailed response depending on your individual circumstances.

How do I select the right property?

Once you’ve decided that property ownership is for you, learn the tricks of the trade and how to select the best home in the right location. Take a look at our “Price vs Location” page to get some ideas on how to weigh up these factors. Get the most out of online searches and learn how to focus on the properties and areas that will suit your lifestyle and budget. Also at this stage it’s a good idea to get a good estimation of your finances and what you can afford. You may need to shift expectations, but setting realistic goals and limitations will set you on the path to good property decisions.

What loan is right for me?

You can take a look at our “loan types” page to get a good idea of some of the options available, but there are literally hundreds of different home loans products available, and each would be different depending on your own individual circumstances. It’s definitely not a “one size fits all” option, so contacting a broker to discuss your options is often the best way to find a loan that suits you.

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