First Home Buyers

At Empire Road Investments, we're Mortgage Brokers helping clients Australia-wide access Home Loan Options, First Home Owner Grants and Incentives

5.0

from 23 reviews

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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.

Ready to chat to one of our team?

Buying your First Home with a Home Loan

Initial Consult

Have a chat with one of our qualified Mortgage Brokers who will understand your situation and talk you through the next steps including what to expect as a First Home Buyer. 

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 your First Home 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 Home Loan draws-down and you're good to go!

Buying your First Home

Our Latest Reviews

Gavin Johnson

Less than a year ago another broker told me I was on the best rate so I didn’t bother looking. But an email caught my eye so I thought I’d have a chat. Within a day Michael found out how to save more money than I thought possible and also combined all my loans to make the process so easy. Michael is the only broker I will ever trust now. Couldn’t recommend more if I tried

Rhys Blowes

Abraham

Michael is one of the most helpful and friendly people I've ever had the pleasure to meet and do business with, and it's all obviously completely genuine. He was amazingly patient, responsive, and supportive throughout the lending process, and nothing was too hard for him. I'm someone who pays a lot of attention to details, and I have a tendency to want to scrutinise everything. He was happy to look at all options available and walk me through it all, answering all my questions, breaking down the options and explaining clearly the pros and cons of each. Michael initially did all the legwork and identified the best lending option for me, making it all very clear and simple. However, he was happy to drill down into the details, to reassure me the end result was the best one for my curcumstances.

Chris Walker

I could not recommend Michael enough, throughout my process with him, he showed me nothing but great customer service. Friendly and professional advice. Which contributed to helping me not only solve my problems but learn a whole lot, I highly recommend Michael!

K J

Ryan Aitken

Michael has been awesome throughout my journey, providing so many pieces of opportunity and nuggets of wisdom, he has provided a guidance in which any one would hope for! He's service is truly unmatchable, he really devotes his time and effort in helping you and guiding you along the journey. Michael goes above in beyond to ensuring all needs and requirements are met in all circumstances. I can not recommend him enough :)

We work with Australia's biggest lenders

Frequently Asked Questions

Can you help First Home Buyers?

We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.

Can you only help with Home Loans?

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.

Are your mortgage brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.

Can you help with refinancing an existing Mortgage?

Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.

What kind of interest rates can you offer?

We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.

Why should I use a Mortgage Broker?

Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.

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