FIRST HOME BUYERS
It’s an exciting time …
Are you unsure of where to start?
Well, here’s a good place. It may be your first time organising property finance, but it’s certainly not ours – we’ve helped hundreds of first home buyers achieve things they never thought possible. So whether you know you’re ready, or are simply trying to figure that out, we’re here to support you.
You can start by making an appointment with us – there’s no cost or obligation, and if all that happens is you leave more empowered for your journey, that’s totally fine with us!
Key areas to think about
It’s firstly about you, then about the property, and only then about the loan…
What do
you want?
This is your first home – so what do you want? It’s unlikely to be your dream home, but home ownership of any kind is still a dream come true. So will you start with something you can call home for a little while, or just somewhere that represents a first step?
As the saying goes, the first step to getting what you want is knowing what you want. Then, we can help you decide what’s possible now, and how to set yourself up well for future options.
WHAT CAN
YOU AFFORD?
What type of home you want and where you want to live are primary considerations, but obviously you need to understand what you can afford too. And honestly, we find people are often surprised – usually in a good way.
Our background in real estate means we have a unique skillset around helping first home buyers secure properties. Let us act as a sounding board as you begin your property journey – it really is one of our favourite parts of our work.
More than
Interest rates
Everyone thinks in terms of interest rates. And yes, they’re obviously important. But securing your property is about so much more than the interest rate – we also need to maximise your capacity (e.g. finding government programs/schemes) based on your goals.
Because we deal with a large number of first home buyers, we know what’s available and can help you understand how to take advantage of the best government schemes and lender options.
How we can help
There’s no reason to go it alone when you can have seasoned experts walking alongside you every step of the way …
EMPOWERING DECISION MAKING
We find many first home buyers are daunted by the mortgage process. That’s understandable, considering all the unfamiliar terms, different loan structures and features, and significant documentation that can be required. But when you work with Tusk, we focus on empowering you so that you can focus on what’s important: enjoying the purchase of your first property.
UNDERSTANDING OPTIONS
Sifting through options / understanding complexity (guarantors?)
One of the benefits of using a broker is that we can present you with options for how to best approach your property finance. Whether you have guarantors, have contributions from the Bank of Mum-and-Dad, or are cashed up with your own savings (or all three of these), we work to understand your situation and your goals. We can then present you with options from a multitude of lenders, explaining the benefits of each so you can make an empowered decision with confidence.
SIMPLICITY
Who needs jargon? We’re here to explain the entire home loan process in simple terms. We’ll then walk you through it at your own pace. After all, you don’t learn this at school and you weren’t born with the knowledge. So with a view that there are no stupid questions, we make it our job to listen, guide, and make the whole home loan process as simple and easy as possible.
We're here to help
And we're ready to talk as soon as you are.
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Calculator
Honestly, we're mixed on loan calculators. Why? Because they're a great way to get a quick idea about loan affordability – but at the same time, there are a range of other costs associated with loans, and calculators don't take these into account.
So, feel free to have a play with the below. But for a true understanding of the best loan for you, let's have a chat.
WE’LL HELP YOU REALISE WHAT’S POSSIBLE.
