First Home Buyers - Finance & Mortgage Broker in Perth, WA and nation-wide

First Home Buyers

We'll help you into your First Home

5.0

from 21 Reviews

First Home Buyers for Conscious Finance Co

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 comes with its own set of challenges. At Conscious Finance Co., we specialise in assisting first home buyers across Perth and throughout Australia. Our goal is to simplify the journey, helping you access Home Loan options from banks and lenders across Australia. We know the property market can be overwhelming, especially for newcomers. That's why we're here to guide you through applying for a home loan, ensuring you make informed decisions at every step.

When buying your first home, understanding your borrowing capacity is key. This involves assessing your financial situation, including your credit history and bank statements, to determine a suitable loan amount. At Conscious Finance Co., we provide a streamlined application process that considers your unique circumstances. We help you get pre-approved, offering a clearer picture of what you can afford. Not only does this empower you when placing an offer, but it also sets realistic expectations about your first home purchase.

Interest rates play a significant role in determining your monthly repayments. Whether you prefer a variable interest rate or a fixed interest rate, we can help you understand the implications of each option. Our team is adept at securing interest rate discounts and negotiating terms that fit your financial situation. Additionally, we provide guidance on loan to value ratio (LVR), which affects the need for lenders mortgage insurance (LMI). We can check eligibility to access LMI waivers, potentially saving you thousands when buying a home.

First home buyers in Perth and nationwide have access to several government incentives. The First Home Owner Grant (FHOG) is one such benefit that can ease the financial burden of your first home purchase. Our experts will ensure you are aware of all available grants and concessions, including potential reductions in stamp duty. These incentives can enhance your buying power, making your dream of home ownership more attainable.

Moreover, we offer insights into investment loan options for those considering their first investment property. Understanding the nuances of an investment loan application is crucial, as it differs from applying for a home loan for personal use. Our access to banks and lenders nationwide ensures you have a wide selection of tailored solutions. Whether it's securing an offset account or exploring different borrowing strategies, we are committed to supporting your property aspirations.

At Conscious Finance Co., we are dedicated to making the journey of buying your first home as smooth as possible. By providing expert advice on Home Loan options from banks and lenders across Australia, we ensure you're equipped with the knowledge needed for confident decision-making. Contact us today to begin your journey towards homeownership. Let us help you unlock doors to new opportunities in the property market with a seamless and supportive experience.

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Buying your First Home with a Home Loan

Navigating your finances can sometimes feel overwhelming… whether it’s saving for your first home, buying your 3rd investment property, borrowing for business expansion or cover tax debt, or buying a property in your SMSF.

Over the past 25 years, I’ve helped countless people just like you to achieve their financial goals.

Regardless of where you are on your finance journey, I’m here to help.

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Our Recent Reviews

Using Mortgage Choice takes so much stress out of what product you need and what your best options are. Once you have decided they walk with you through the whole process which makes everything so much easier and less stressful. Michelle was excellent in providing us with professional and expert advice and assistance all the way through to settlement. We highly recommend Michelle and Mortgage Choice.

Sue McDonald

I recently had refinanced my mortgage and Mortage Choice in Kingsley have provided professionalism, timely responses, and steadfast support made the entire mortgage process seamless. Michelle exuded professionalism from the start, demonstrating in-depth knowledge of the mortgage industry. Her patient guidance through various mortgage options provided us a very clear picture making it easier what to choose. Michelle and Pascal have provided consistently timely responses. Whether addressing emails/phone calls or scheduling meetings at my convenience, they ensured the mortgage process proceeded efficiently, alleviating the typical stress associated. In addition to their responsiveness, Michelle and Pascal provided unwavering support throughout the journey. Beyond managing complex paperwork, they offered valuable insights and advice, turning what could be a daunting task into a positive and informed experience. I will definitely return and look no further.

Dario Romeo (DR)

Michelle and Stephanie were so helpful and approachable with any questions I had and shared their knowledge and experience which made the whole process seamless. They were a pleasure to deal with

De'arne Treacy

Michelle and Steph walked us so graciously through the processes of getting a home loan. I can highly recommend Mortgage Choice in Kingsley. ...

Shannon De Bari

Frequently Asked Questions

Can you help me to consolidate my debts? If so, what if they are a mix of personal and business debts?

We LOVE to see if we can help our clients save money and confusion by consolidating debts! It's one of our favorite things! And YES, we can look at consolidating or restructuring both personal and business debts......even tax debt!

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.

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.

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.

Contact

Perth, WA

0455 499 777

TMC ENTERPRISES (WA) PTY LTD ABN: 15 686 852 353. Credit Representative #488761 is authorised under Australian Credit License #384704

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.