Home Loans
With access to hundreds of Home Loans, we're sure to be able to find the right one for you
Rated 5 from 59 Reviews
With access to hundreds of Home Loans, we're sure to be able to find the right one for you
Rated 5 from 59 Reviews
Welcome to People First Finance, your trusted partner in finding the right Home Loan options for you, whether you reside in Prospect, South Australia or anywhere else in the country. Our goal is to help you access Home Loan options from banks and lenders across Australia, ensuring you find a deal that suits your financial situation. Buying a home is a significant milestone, and we are here to support you every step of the way by simplifying the Home Loan application process and helping you understand aspects like interest rate, lenders mortgage insurance (LMI), and loan to value ratio (LVR).
When considering your Home Loan options, it's essential to have a clear understanding of your borrowing capacity. This is influenced by factors such as your credit history, income, and existing financial commitments. We'll work with you to assess your financial situation and determine a suitable loan amount. Our expertise allows us to guide you through the application process, ensuring all requirements are met, from providing bank statements to calculating home loan repayments. Getting pre-approved for a Home Loan can give you a competitive edge in the property market, allowing you to act swiftly when you find the perfect home.
Choosing between variable interest rate and fixed interest rate Home Loans is another crucial decision. A variable home loan rate can fluctuate with market changes, potentially offering interest rate discounts over time. On the other hand, a fixed interest rate home loan provides stability in your repayments, an appealing option if you prefer predictable outgoings. We can explain how each option impacts your financial future and help you decide which suits your needs best.
Lenders mortgage insurance (LMI) and stamp duty are additional costs that need careful consideration when buying a home. LMI may be required if your deposit falls below a certain percentage of the property's value, affecting your loan to value ratio (LVR). Understanding these costs early in the process allows you to plan effectively. We can assist you in assessing these expenses and incorporating them into your budget.
Our streamlined application process is designed to simplify applying for a home loan. We know that every client's needs are different, so we tailor our services to suit individual circumstances. Whether you're interested in an offset account to reduce interest payable or need advice on leveraging home equity, People First Finance is here to provide guidance. We aim to make the Home Loan pre-approval process as seamless as possible, giving you confidence as you embark on this journey.
At People First Finance, we are committed to helping you achieve your dream of buying a home with ease. Our knowledge of Home Loan options and the application process means we can offer valuable insights and personalised solutions tailored to you. If you're ready to apply for a home loan or simply want to explore your options, contact us today. Let us help you secure the right loan for your needs and make your dream home a reality.
In 60 seconds, understand how much you can borrow to buy your dream home.
Get your Borrowing Capacity
Initial Consult
Have a chat with one of our qualified Mortgage Brokers who will understand your situation and talk you through the next steps.
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 a 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 loan draws-down and you collect the keys to your property!
Book AppointmentAP
Ankur Patel
Great people to deal with. Specially Hardik Patel made home loan refinance process really easy for me and settled my refinance home loan in record 4 weeks time. 101% recommended.
JP
Jenisha Patel
Hardik at People First Finance has provided great mortgage service. He has been super supportive and great at communication while working through the application process. Highly recommend them if you are looking at mortgage services.
DP
Dhaval Patel
Service was great, very efficient and reliable. Highly recommended
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.
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.
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.
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.
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.
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.
People First Finance ABN: 68 625 557 039, People First Services Pty Ltd ABN: 68 625 557 039. Credit Representative #510041 is authorised under Australian Credit License #481374.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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