First Home Buyers

We'll help you understand the loan types, grants and incentives to get you into your First Home

Buying your first home is a significant milestone, especially for residents in Marrickville, the Inner West, and the Canterbury-Bankstown area. At Raiti Finance, we understand that first home buyers face numerous challenges when trying to secure their dream property. Our goal is to guide you through the process by offering access to banks and lenders nationwide, helping you find suitable home loan options tailored to your needs. Whether you’re in Marrickville or any surrounding suburbs like Earlwood, Newtown, or Balmain, our expertise is at your service to make buying your first home as seamless as possible.

For first home buyers, understanding the property market is crucial. One of the initial steps is determining your borrowing capacity. This involves assessing your financial situation, including credit history and bank statements, to understand the loan amount you might be eligible for. Once you have a clear picture, you can explore various home loan options. At Raiti Finance, we help you access a wide range of loan products from banks and lenders across Australia. Whether you're considering a fixed interest rate or a variable interest rate, we ensure you're informed about the interest rate discounts available to you.

Another essential aspect for first home buyers is understanding the available financial assistance. Our team can help you check eligibility for first home owner grants (FHOG) and potentially access lenders mortgage insurance (LMI) waivers. These incentives can significantly reduce the upfront costs associated with buying a home. Additionally, understanding the implications of stamp duty and how it affects your budget is vital. We offer guidance on how to manage these costs effectively.

When you're ready to apply for a home loan, having a streamlined application process can make all the difference. At Raiti Finance, we simplify this process by preparing you to get pre-approved. This involves organising necessary documents like bank statements and ensuring your credit history aligns with lender requirements. Our expertise extends to ensuring your loan to value ratio (LVR) is favourable, potentially unlocking better interest rates and terms.

Moreover, we understand that some first home buyers might also be considering future investment opportunities. For those looking at their first investment property, we provide tailored advice on investment loan options and the investment loan application process. Understanding how an offset account works or the benefits of different interest rate structures can be crucial for long-term financial planning.

For residents in suburbs such as Ashfield, Belmore, and Padstow, buying your first home can be a complex journey. However, with the right support, it becomes manageable. Raiti Finance is committed to providing you with access to banks and lenders nationwide, ensuring that you have the best possible options at your fingertips.

Buying your first home in areas like Concord or Strathfield doesn't have to be overwhelming. At Raiti Finance, we are dedicated to supporting first home buyers throughout their journey. By offering expert guidance on everything from understanding your borrowing capacity to assisting with the application process, we strive to make your experience positive and rewarding. If you're ready to take the next step towards securing your dream home, contact us today and let us help turn your aspirations into reality.