First Home Buyers

Get your First Home Loan plus understand any First Home Buyer Grants & Incentives

Buying your first home is an exciting milestone, and at Empire Road Investments, we are here to make the journey smoother for first home buyers in Perth and across Australia. With our expertise, you can access Home Loan options from banks and lenders across Australia, ensuring that you find the right fit for your financial situation. Our experienced team is dedicated to guiding you through the various steps involved, from understanding the property market to securing an interest rate that meets your needs.

One of the first steps in buying your first home is understanding your borrowing capacity. This involves assessing your financial situation, including your credit history, bank statements, and income, to determine how much you can borrow. At Empire Road Investments, we help you apply for a home loan by providing a streamlined application process. We work with you to ensure all necessary documents are in order, making it easier to get pre-approved. Knowing your loan amount is crucial as it impacts other factors like the loan to value ratio (LVR) and your eligibility for interest rate discounts.

First home buyers can also benefit from various incentives, such as first home owner grants (FHOG) and potential waivers on lenders mortgage insurance (LMI). We can assist you in checking eligibility for these benefits, which can significantly reduce your upfront costs when buying a home. Understanding the impact of stamp duty and how it affects your overall budget is another area where our expertise can be valuable. We guide you through these details to ensure you get the most out of your investment.

When considering loan options, it's essential to weigh the pros and cons of variable interest rates versus fixed interest rates. Each has its advantages depending on your financial goals and market conditions. Our team offers insight into both options, helping you make an informed decision. Additionally, exploring features like an offset account can provide further flexibility and savings over the life of your loan. Whether you're buying your first home or considering an investment loan for a first investment property, we offer tailored advice and investment loan options that align with your objectives.

Understanding the property market is key when applying for a home loan. The market conditions can influence interest rates and property values, which in turn affect your investment. Empire Road Investments provides access to banks and lenders nationwide, allowing you to compare different offers and secure an interest rate that suits your needs. Our comprehensive approach ensures that you're well-prepared for every step of the application process, from choosing the right lender to managing your loan effectively.

At Empire Road Investments, we understand that buying your first home can be overwhelming, but with the right guidance, it doesn't have to be. Our commitment to first home buyers is reflected in our personalised service and extensive knowledge of the financial landscape. If you're ready to take the next step towards owning your first home, contact us today. Let us help you make informed decisions and set a solid foundation for your future.