Let’s Buy a Home today
Buying a property is a big decision we are on your side.
We're here to help you make the right choice by giving you the information, support, and finance options you need. With so many home loans on the market—plus new products, special offers, and changing deals—it can be hard to know where to start.
As your broker, we’ll help you compare loans that fit your needs, guide you through the paperwork, and manage the application process from start to finish.
Different property types mean different loan considerations. Here’s what you should know:
House loan
For buying a standalone house to live in.
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Typically no body corporate or strata fees.
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Often allows for higher borrowing capacity.
Unit/apartment loan
For buying a unit or apartment.
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Includes strata or body corporate fees, which can reduce borrowing capacity with some lenders.
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Smaller units (under 35sqm) may be harder to finance, depending on lender policies.
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Building condition and strata management also play a role in loan approval.
Townhouse loan
For purchasing a townhouse, which may come with shared facilities.
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Usually includes body corporate or strata fees, which can affect your borrowing power.
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Lenders may assess these fees when determining your capacity.
Vacant land loan
For purchasing a block of land without a dwelling.
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Often requires a larger deposit and has higher interest rates.
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Some lenders may also require a timeline for when construction will begin.
First-time buyer? You might be eligible for government grants and concessions. If you're buying your first home, there may be government programs available to help—like grants, stamp duty concessions, or other incentives—depending on where you're buying.These initiatives are designed to make it easier for first-time buyers to get into the market.
These initiatives are designed to make it easier for first-time buyers to get into the market.
Have questions about the process or want to check your eligibility?
We’re here to help—reach out today and let’s get you started on the right path.