Home Loans

For those thinking of getting into the property market, now may be the best time in years.

With prices in Sydney and Melbourne down about 10 per cent on what they were in 2017 and, following recent cuts to interest rates, mortgages are cheaper than before.

However, when it comes to purchasing your first home, it can be hard to know where to start, what loan is suitable for your lifestyle, and what fees are involved in the process of buying.

At Neef Financial Solutions, we help Australian home buyers enter the property market and achieve their dreams of owning a home.

By focusing on educating, and guiding you through the entire home loan process, you will not only leave with a new home but a wider understanding of mortgages – with on-going pre-and-post settlement customer support.

So, how can you get ahead when applying for a loan?

If you a bit lost as to what information a broker needs to help you apply for a loan, here are a few of the requirements and tips:

• Firstly, the First Homeowner Grant. This government scheme was introduced in 2000 to offset the effect of Goods and Services Tax (GST) on buying or building a home. The grant amount, eligibility criteria and payment details of First Homeowner Grants vary between states and territories, so it is important to check with your broker when you apply for a home loan.
• Proof of regular savings history and salary, or wages – pay slips, tax returns, your employment contract that states your salary. If you are self-employed, you will need to provide your individual tax return, ATO Notice of Assessment and Business activity statements (BAS).
• Proof of Identification, such as driver’s licence, birth certificate, passport, or other forms of identification.

Contact Us

Since establishing our business in 2007, we have help hundreds of first home buyers apply for loans and secure their dream home.

With access to over 60 lenders, including major banks, non-bank lenders and private funders, we can provide a variety of offers to customers.

If you would like to enquire about a home loan or would like to book an appointment with one of our team members, contact us on 03 9427 1952 or fill out our enquiry form and a member of our staff will be in touched to discuss your options.