Home Purchase

Purchasing A Home
Are you planning to purchase or build your first home?
Maybe it is time to upgrade, or downsize your home?
Maybe you are considering building wealth through property investment?
Wherever you are in your property journey, at Proteger Financial Solutions, we’re here to support you through every step. Our expert team will assess your borrowing capacity, explore the best loan options tailored to your needs, and provide comprehensive guidance throughout the home-buying process.
Let’s turn your real estate aspirations into reality. Contact us today to embark on your journey with confidence and clarity.
Why Choose Proteger Financial Solutions?
Navigating the purchase of a home can be overwhelming, even if you have done it a number of times and that’s where Proteger Financial Solutions comes in. Here’s why partnering with us can make your journey smoother:
Our team of seasoned finance professionals has in-depth knowledge of the Australian property market and is well-versed in the intricacies of various government schemes and grants. We can also guide you on the process of making an offer.
Often the most daunting aspect of buying a property is understanding exactly what you can afford. Also, real estate agents will want to be assured that you are pre-qualified for the purchase. We can give you (and your agent) comfort via a pre-approval or confirmation of loan eligibility.
We understand that every individual’s financial situation is unique. We take the time to understand your goals and tailor financial solutions that align with your needs and aspirations.
As an independent finance broker, we have access to a wide network of lenders. Our wide network also allows us to shop around and find the best mortgage deal that suits your financial circumstances.
Navigating the paperwork and financial details involved in buying your first home can be time-consuming. Our team ensures a streamlined process, guiding you from application to settlement.
Don’t navigate the complex world of home buying alone. With Proteger Financial Solutions you can enjoy a seamless experience that puts you on the path to homeownership. Contact us today, and let’s turn your dream of owning a home in Australia into a reality!
We offer a great range of home loan solutions.
FAQ's
Your budget depends on several factors:
Savings and deposit: How much you’ve saved.
Borrowing power: Based on your income, expenses, and credit history.
Additional costs: Stamp duty, inspections, insurance, and more.
We’ll help you assess your financial position and determine a realistic budget that aligns with your goals.
Buying a home involves several costs:
Purchase price
Stamp duty: Varies by state and property value.
Legal fees: ~$1,000 – $2,000 for conveyancing.
Loan establishment fees: ~$600.
Building and pest inspections: ~$500.
Insurance: Includes home and Lenders Mortgage Insurance (if applicable).
We’ll guide you through all costs to ensure there are no surprises.
Bridging Finance is a short-term loan that helps you buy a new property before selling your existing one. It’s ideal if:
You’ve found your dream home but haven’t sold your current property yet.
You want to avoid the pressure of selling quickly.
Key features:
Bridging loans are typically interest-only during the bridging period.
The total loan includes the value of both properties, minus the sale price of your current home.
We’ll help you determine if Bridging Finance suits your circumstances and structure the loan for affordability.
There are several mortgage types:
Fixed-rate loans: Consistent repayments for stability.
Variable-rate loans: Flexibility to adapt to rate changes.
Interest-only loans: Lower repayments, often used for investments.
Our team will guide you through these options and recommend a loan tailored to your needs and goals.
Your credit score can impact:
Borrowing power: A higher score may increase the amount you can borrow.
Interest rates: Better scores often unlock lower rates.
Loan approval: Strong credit improves your chances of approval.
We can help you check your credit score and offer strategies to improve it if necessary.
Interest rate fluctuations impact variable loans more than fixed loans. To safeguard yourself:
Consider fixing part of your loan for stability.
Maintain a financial buffer for unexpected increases.
We’ll review your loan options to help you make informed decisions.
Property Selection and Research FAQs
Hiring a buyers agent can:
Save time and reduce stress.
Provide market insights and negotiation expertise.
Post-Purchase FAQs
To assess a property’s value:
Review recent sales data for similar properties in the area.
Obtain a professional valuation or market appraisal.
Consider factors like size, condition, and location.
We can connect you with trusted valuation experts to ensure you’re paying a fair price.
When inspecting a property:
Look for structural issues, leaks, or signs of neglect.
Assess the natural light, layout, and functionality.
Evaluate the property’s long-term potential beyond aesthetics.
A building and pest inspection is important to uncover hidden problems before your settlement takes place.
Consider:
Local amenities: Schools, shops, transport, and parks.
Planned developments: Infrastructure or zoning changes.
Historical property trends: Past price growth in the area.
Researching these factors ensures your investment grows over time.
Market Insights FAQs
The right time to buy depends on:
Market conditions: Rising or falling property prices.
Interest rates: Lower rates make borrowing more affordable.
Your readiness: Financial and personal circumstances.
We monitor market trends to help you make an informed decision.
How can I stay informed about market trends and property values?
The process includes:
Set your budget and get pre-approval.
Inspect properties and find your ideal home.
Make an offer and sign the contract.
Arrange building and pest inspections.
Finalise your loan approval and settlement.
We’ll guide you through every step to ensure a stress-free experience.
Expect ongoing costs such as:
Mortgage repayments
Maintenance and repairs
Council rates and utilities
Home and contents insurance
We’ll help you plan for these to ensure long-term affordability.
Set aside a maintenance fund for expenses like plumbing repairs, roof leaks, or electrical faults.
We’ll provide practical advice to help you manage these costs effectively.
EXCELLENT Based on 46 reviews shailesh V28. November, 2023Trustindex verifies that the original source of the review is Google. Alf and team have been very easy to deal with. They are knowledgeable with providing their services as well as guidance on what needed to be done next… we could have not asked for any better after we found Proteger Financial Solutions. Alf and team made sure we got the best rates in this ever-rising interest rate market. We can only praise their performance and the continued communication even on their time off while we had tight deadlines. They definitely know what they are doing and I would not hesitate recommending them to anyone. Thank you very much Proteger! rasik pindoria4. November, 2023Trustindex verifies that the original source of the review is Google. Great work by Alf and team. Proactive, knows the timeframes and deadlines to meet. Despite other unprecedented challenges we had that kept pushing finance further, Alf guided us through the journey. Alf recommended and advised us on the best options available in the market. Flexible to meet client pre/post work hours. Highly recommended. Brett Thompson1. November, 2023Trustindex verifies that the original source of the review is Google. Alf Kandiah, from Proteger Financial Solutions, conducted a full review of our corporate finance facilities in order to secure better facilities and terms for our business. I was super impressed with Alf's network of contacts within the banking sector, which made it possible to deal with the right people and get better terms and rates than I would've expected. Alf was relentless in squeezing the banks for the very best terms, so much so that he exceeded our expectations when it came to interest rates on our borrowings. Alf was very easy to deal with and always responded very quickly. I cannot recommend Alf and Proteger highly enough. Anu Kadurugamuwa6. October, 2023Trustindex verifies that the original source of the review is Google. Proteger Financial Solutions helped us purchase our home. Throughout the process, they were professional, engaged and committed to delivering the best solution to fit our needs. Niranjan, who handled our application, went above and beyond to guide us through the process, and his expertise, approachability and professionalism made things stress-free. Our thanks to Niranjan and the team! Suneel Vaghjiani7. August, 2023Trustindex verifies that the original source of the review is Google. Helpful advise from the team(Alf). Great communication and assisted through settlement. Highly recommend Proteger Financial Solutions to family and friends. Ashlei Otway22. June, 2023Trustindex verifies that the original source of the review is Google. Right when I had given up on getting into a home that was right for us, Rob was recommended to us and then the perfect property fell into our lap. It wasn't an easy process from beginning to end but Rob and his team took away the stress and worked through every road block we encountered with incredible patience and efficiency. I would not hesitate to recommend Rob and the team to help you with all your finance needs. Thank you very much once again, we will be forever grateful. Matt & Ash Korri Edwards21. June, 2023Trustindex verifies that the original source of the review is Google. Polite and efficient, and able to overcome the hurdles that presented themselves at settlement. Thanks Rob:-) Justin Ward-Dickson19. June, 2023Trustindex verifies that the original source of the review is Google. Alf made a daunting task an easy and pleasant experience. He took out all the stress normally associated with obtaining finance and walked us through every step, in fact he did most of the work for us. I have no hesitation recommending Proteger for all of your finance needs . Bhavesh Panchani8. June, 2023Trustindex verifies that the original source of the review is Google. Excellent and very professional service by the Proteger Financial Team. Alf Kadaai was brilliant and did an outstanding job with recommending options, following up on my documents and advicing me to choose the best solutions at every stage of purchasing in such a difficult time in the market at the moment. I would like to Thank you and your team for the wonderful professional service you have provided!🙏🙏 Chris Williams7. May, 2023Trustindex verifies that the original source of the review is Google. I recently had Niranjan Kandiah assist with some bridging finance for my downsizing grandparents. I could not have asked for better service. Niranjan promptly found a suitable lender and was willing to put himself out to ensure that a loan with some unorthodox features was arranged and settled within a tight timeframe. I would readily recommend to anyone needing assistance in this space.
