First Home Buyers
Access Home Loan Options, First Home Owner Grants and Incentives while we guide you throught he process. Get help from an experienced Mortgage Broker at Harrow & Co. today!
Rated 5 from 144 Reviews
Rated 5 from 144 Reviews
Buying your first home is an exciting milestone, but it can often feel overwhelming. At Harrow & Co., we specialise in helping first home buyers like you navigate the complexities of the property market. Whether you’re in Sydney, NSW, or elsewhere in Australia, we provide expert guidance to help you access Home Loan options from banks and lenders across Australia. Our aim is to simplify the process, ensuring you get the best possible deal when buying a home.
Understanding your borrowing capacity is crucial when applying for a home loan. We work with you to assess your financial situation, taking into account factors like credit history, loan amount, and loan to value ratio (LVR). By evaluating these elements, we can help you get pre-approved for your first Home Loan, giving you the confidence to make informed decisions. Additionally, we assist in exploring interest rate options, whether fixed or variable, to find what best suits your needs and lifestyle.
First home buyers in Australia may be eligible for various benefits such as first home owner grants (FHOG) and potential interest rate discounts. Our team at Harrow & Co. will help you check eligibility for these advantages. We also guide you through the intricacies of lenders mortgage insurance (LMI) waivers, which can significantly reduce upfront costs. Understanding these opportunities can make a substantial difference in your home buying journey.
The application process can seem complex, but with our streamlined application process, accessing banks and lenders nationwide becomes straightforward. We assist with every step, from gathering necessary documents like bank statements to completing the investment loan application if you’re considering a first investment property. Our expertise ensures that applying for a home loan is a seamless experience, enabling you to focus on your dream of buying your first home.
Stamp duty is another important consideration for first home buyers. Depending on your location and circumstances, you might qualify for exemptions or concessions that could save you money. At Harrow & Co., we provide clarity on these matters, ensuring you understand how stamp duty impacts your financial plan. We also discuss the benefits of an offset account, which can help reduce the interest payable on your loan, making homeownership more affordable over time.
Buying your first home doesn't have to be stressful. With Harrow & Co. by your side, you gain access to banks and lenders nationwide and benefit from our comprehensive understanding of the property market. Our team is dedicated to helping you throughout the entire process, from checking eligibility for grants and LMI waivers to choosing the right interest rate for your situation. Contact us today to begin your journey towards homeownership with confidence and ease.
Initial Consult with Harrow & Co.
Have a chat with a qualified Mortgage Broker who will understand your situation and talk you through the next steps.
Home Loan Fact Find
Your Mortgage Broker will work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for a Home Loan.
Home Loan Pre-Approval
Once you're approved, you can start bidding or making offers on properties you want to purchase.
Settlement
You settle on the property, your Home Loan draws-down and you're good to go!
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Amilia Gacic
My fiancé and I recently worked with Jayden and the team at Harrow & Co during our home-buying process, and we couldn't be happier with the experience. From start to finish, the team were professional, knowledgeable, and incredibly supportive. As someone navigating the mortgage process for the first time, we had a lot of questions and concerns, however Jayden and the team took the time to explain everything clearly, walked us through our options, and always made sure we were well informed and comfortable with each step. They were also incredibly responsive—no matter what time of day I reached out, I always received a prompt and thoughtful reply. We greatly appreciate their commitment to finding the best loan option for our situation, and made what could have been a stressful process feel smooth and manageable.
DK
Dylan Koletsis
Worked with Ben Taylor to assist with the purchase of an investment property. After having spoken to upwards of 5 other lenders / mortgage brokers, Ben was by far the most competent and competitive in terms of interest rate. He was extremely forward thinking and helpful throughout the whole process; always keeping us in the loop on status, as well as having a range of different relationships with lenders which gave us a number of solid options! Highly recommend!
MT
Michael Turnbull
We 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.
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.
All of our Mortgage Brokers are accredited and members of the Finance Brokers Association of Australasia. They are extremely professional and provide exceptional service across a range of lending options.
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.
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.
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.
Brown Brothers Mortgages Pty Ltd ABN: 34 653 389 318. Credit Representative #554374 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.
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