Buy your first home with confidence
Personalised loan guidance, clear steps, and ongoing support from pre-approval to settlement.
Fast responses. Tailored advice. No obligation.
Borrowing Power Calculator
Get a quick estimate of how much you could borrow based on your income, expenses, and deposit.
Repayments Calculator
See your estimated repayments for different loan amounts, terms, and interest rates.
If you are planning to buy your first home, congratulations. Buying your own home will always rank as one of your biggest accomplishments in life. To make it better, we at Reliiance Financial Solutions also know that this probably is the best time to buy a house.
Real estate prices are realistic and home loan interest rates are among the lowest in recent times. With a combination of range of home loans and great real estate prices, it is worth considering a loan for your first home.
THINGS TO CONSIDER WHEN CHOOSING A HOME LOAN
Now that you have made up your mind to buy your first home, here is a list of features to look for in your first home loan
- Make sure you choose a loan that you can afford to repay. While interest rates are low at present, they can go up again. Make sure you are able to afford the revised repayments in case of an interest rate rise.
- Home loans offering a choice of fixed, flexible or variable rates are advisable. As your family grows, your home loan should not become a burden.
- You should be able to make extra repayments easily and without any penalty. Affordable processing fees is a valuable feature. In addition, there may be hidden costs and monthly fees too, though some lenders are willing to waive them off. Reliiance Financial Solutions will be happy to work with you to obtain these benefits.
- Flexibility is critical for first time buyers. When considering home loan options it is important to choose a loan which has the flexibility to accommodate any change in your circumstances e.g. pregnancy, sudden loss of income, etc. which may require you to pause repayments or restructure the loan.
Alternate payment options of paying via direct debit, ATM. Internet and phone banking should be available.
Government support for first home buyers
Do not miss available grants and schemes
You may be eligible for support such as the First Home Owner Grant, stamp duty concessions, the First Home Guarantee, or the Regional First Home Buyer Guarantee. Program rules change, so we will check your eligibility, confirm requirements, and handle the application steps with you.
Home Loan Guide
If you are looking to buy a new home, you have come to the right place. We have compiled valuable information for you to understand the process, requirements and responsibilities related to a loan application. Click on the links below for details
- Mortgage Broker Services
- The Loan process
- Documents for Loan Application
- Home Loan Terminology
Your first home journey in 4 steps
A simple process that keeps you in control
1
Discovery and budget
We review your income, expenses, savings, and credit to set a clear budget and timeline.
2
Compare and choose
We shortlist suitable lenders and products, explain the trade‑offs, and help you decide with confidence.
3
Pre‑approval
We prepare your application, manage the paperwork, and keep you updated until you receive a decision.
4
From offer to settlement
We coordinate with the lender and your conveyancer, help you finalise documents, and support you through settlement.
FAQs
Got questions? Find answers to some of the most commonly asked questions about our financial solutions, processes, and services to help you make informed decisions.
That depends on your goals and the property price. Some buyers purchase with a smaller deposit, in some cases with LMI. We will map your options and timelines.
Pre‑approval gives you an indicative borrowing limit and usually lasts for a set period. We will confirm the timeframe and help you refresh it if needed.
In many cases yes. We will show you how this affects repayments, LMI, and lender choice.
Identification, income verification, savings history, and details of debts. See the checklist above for a full list.
We will assess your eligibility and handle the application steps so you do not miss out.
The best choice depends on your budget, risk tolerance, and plans. We will compare scenarios and explain the trade‑offs.
We finalise your loan documents, help you meet any conditions, and coordinate with your conveyancer until settlement.
Testimonials
Discover how we’ve helped our clients navigate their financial journeys with personalized solutions. Read their stories of success and empowerment below.
A 5-STAR RATED FINANCIAL SOLUTIONS PROVIDER BY OUR CLIENTS
At Reliiance Financial Solutions, we have been privileged to have worked with hundreds of remarkable individuals and families.
Very few things come close to receiving their genuine appreciation of our services. All we can say in return is – the pleasure was all ours.
It is also our pleasure to share some client testimonials with you. Please click on Video Testimonials to view them all. Use the buttons at the bottom of the screen to navigate through the videos.
