The first step in starting the process of your first time buyer home loan is to decide on a budget that is within you means of what you can afford.  What you can afford depends on your income, credit rating, current monthly expenses, downpayment and the interest rate. The calculators below can help, but it is best to visit a lender to find out for sure.  Save money by doing your homework. Talk to several lenders, compare costs and interest rates, negotiate to get a better deal. Consider getting pre-approved for a loan.  With the first time home buyer’s grant still in effect, now is the best time to get your loan.

RAMS is our first choice for selection on variable rates and fixed rates.

Aussie Home Loans is our second choice.

St. George is our third choice.

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