Home Buying Basics

Your Roadmap to Buying Your First Home with Confidence

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Welcome to Your Home Buying Journey!

Entering the Australian property market is an exciting yet complex process. It can feel overwhelming with all the financial terms, legal steps, and decisions involved. That’s why we’ve created this step-by-step guide—to help you navigate the process with clarity and confidence.

Whether you're a first-home buyer or a property investor, understanding key home-buying fundamentals will help you secure the right mortgage, maximise your borrowing power, and avoid costly mistakes.

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Borrowing Capacity (Serviceability) – What It Really Means

Understand how lenders determine your borrowing power and what factors impact loan approval. Learn how to improve your eligibility and maximise your home loan options.

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5 Cs of Credit – What Lenders Look At

Discover the five key factors lenders evaluate when assessing loan applications and learn how each plays a role in securing mortgage approval.

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Loan-to-Value Ratio – How It Affects Your Loan

A high LVR could mean extra costs, while a low LVR can save you thousands. Find out why lenders care so much about this number.

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