Home Purchase

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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.

Get In Touch:

    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.

    Ready to Get Started? 

      (08) 6246 2680