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Book an appointment with Specialist Mortgage and start your home ownership journey. Our mortgage broker will answer all your questions and explain the home loan and home buying process. You can also discuss government incentives that you may be eligible for.
Our mortgage broker will clarify your financial position, determine how much you can borrow, discuss home loan packages including features, interest rates and repayments. They will also request documents and ID from you.
You will be presented with the most competitive home loan packages tailored to your individual situation, needs and objectives.
We will assist with your mortgage pre-approval application, so that you can shop for your new home with confidence knowing your budget and likely repayments.
At this stage you can find your dream home and enter into a formal contract of sale or bid at auction. Our brokers will assist you every step of the way through this process.
Your lender will book a valuation to confirm the property value and determine the loan value ration. Once the lender is satisfied, they will provide formal mortgage approval to purchase your home.
The property title is transferred into your name. Congratulations you are officially a home owner!
Checking your credit score in Australia is a straightforward process through companies such as Equifax, Experian, and Illion. A higher credit score may increase your chances of obtaining favorable loan terms and interest rates.
Book a free consultation with Specialist Mortgage. A mortgage broker can explain the home loan process, explain different mortgage packages, and answer all your questions. They will be able to advise you of government grants and schemes that you may be eligible for.
Your mortgage broker will advise if you require a deposit and how much you may need.
Your mortgage broker will conduct a preliminary credit assessment and provide you with competitive loan recommendations. They will assist with your application for a mortgage pre-approval.
You will need to engage a licensed conveyancer or solicitor to review your contract, perform checks on the title, draft settlement documents and carry out the process of transferring settlement funds and the title into your name.
You can either submit an offer yourself or your mortgage broker can assist you with this. You may first wish to get pre-approval so you have a better understanding of the type and amount of loan you might be able to obtain.
Your mortgage broker will require a copy of your executed sales contract to share with your choose lender so they can arrange for a property valuation and approve your mortgage to purchase the home.
Apply for any state or federal grants and schemes that you may be eligible for. Your mortgage broker will be able to assist you in finding out what schemes and grants you could take advantage of.
This is important to protect you from major structural defects, certain minor defects, as well as timber pest infestation or damage. This can be conducted prior to making an offer to purchase or you may include a clause in the contract that is written by your conveyancer.
Lenders will require you to have home insurance. The timing of when this needs to commence prior to settlement will vary from state to state.
Ensure the property is in the same condition as when you originally viewed it. It’s a great time for the owner to handover user manuals, warranty documents, show you how to use keys and appliances in your home.
Contact your preferred gas, water, electricity, and internet providers to arrange connection for your move in date.
Change your postal address and redirect your mail.
Book the removalists – it’s time to move!
Collect your keys – welcome to your new home!
Let us know your situation and one of our brokers may be able to provide a better mortgage solution.
Book a time to chat through your options with one of our friendly mortgage brokers.
Discover which one of our global offices is best to have a face to face chat about your home loan objectives.
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© SMATS Services (Australia) Pty Ltd ABN 37 141 112 807 T/A Specialist Mortgage. Specialist Mortgage Ltd T/A Australasian Taxation Services (Hong Kong) 867748. Australian Credit licence 385201. The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only. Privacy Policy & Terms of Use | Credit Guide
