First Home Buyers
We'll help you into your First Home
Rated 5 from 52 Reviews
We'll help you into your First Home
Rated 5 from 52 Reviews
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.
Initial Consult
Have a chat with one of our qualified Mortgage Brokers who will understand your situation and talk you through the next steps.
Fact Find
We'll work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for a 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 loan draws-down and you're good to go!
Book AppointmentMY
Manal Younes
I was referred to Luisa by a friend, and I couldn’t be happier with the experience. From start to finish, she made the loan application process easy to understand and incredibly smooth. I had spoken with a few other mortgage brokers before, but Luisa stands out in every way. She truly goes above and beyond, providing exceptional service that exceeded my expectations. She really puts the "more" in mortgage brokering! If you’re looking for someone knowledgeable, attentive, and committed to helping you every step of the way, Luisa is the one to trust. Highly recommended!
YA
Yasmin Alali
I cannot recommend Luisa highly enough! She was an incredible support during my journey to purchasing my first investment property. Luisa’s in-depth knowledge, clear explanations, and tailored advice made the process so much easier to navigate. She took the time to answer all my questions thoroughly and guided me through all my options with care and professionalism. Her dedication and genuine commitment to her clients truly set her apart. If you are looking for expert, personalised financial advice, Luisa is the one to trust. Thank you so much for your amazing work!
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Joseph Safetly
Luisa at Raiti Finance went above and beyond in handling my complex home loan process, which involved purchasing through a company and trust structure with four members. With over 500 documents required by the bank, the process was detailed and lengthy, yet Luisa expertly managed every aspect to ensure a smooth and efficient outcome. Her accounting background proved invaluable as she discussed multiple financial scenarios with me, patiently guiding me through every step. I lost count of the many conversations we had, but Luisa consistently dedicated her time and gave my case 110% attention. Thanks to her, I secured an incredible rate that was both competitive and tailored to my needs. Highly recommended for anyone seeking a top-notch mortgage broker!
Your borrowing capacity is dependent on a number of factors including the current interest rates, your income, your expenses, your existing level of debt and your credit rating. This will also vary from lender to lender. Reach out and we can properly assess your maximum borrowing capacity by analysing your financial situation.
Yes, we certainly can! We can help with car loans, personal loans, self-managed superannuation fund (SMSF) loans, commercial loans, asset and equipment finance, refinancing and debt consolidation.
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.
At Raiti Finance we are accredited with over 30 of Australia’s leading lenders. These include the major banks as well as 2nd and 3rd tier lenders who can accommodate more specialised lending needs.
There are three main reasons to use a mortgage broker:
- We have access to multiple lenders and loan products.
- We search for the best loan option to suit your individual needs.
- We do all the leg work to make the process fast and simple.
Raiti Finance is based in Marrickville in Sydney’s Inner West. However, we absolutely assist clients Australia-wide. The loan process can be completed remotely via phone, email and video call. If you live in Sydney, in the Inner West or Canterbury Bankstown areas, we are more than happy to meet you in person if you prefer.