First Home Buyers - Mortgage Broker in Brisbane, Queensland and nation-wide

First Home Buyers

We'll help you into your First Home

5.0

from 61 Reviews

First Home Buyers Jacques Financial Group

We'll help you understand the loan types, grants and incentives to get you into your First Home

Buying your first home is likely to be one of the largest purchases you'll make. In Australia, First Home Buyers can take advantage of the current market conditions as well as generous Government Incentives (including the first home owner grant) to get on the property ladder.

We've worked with clients across Australia to access the different first home owner grants (FHOG) as well as the various stamp duty and other concessions that may be available depending on which state you are in. We can talk you through your various options as well as helping you compare things like buying vacant land vs. an established home. You may also be eligible for the Home Guarantee Scheme which can make a big difference in the type of property you may be able to purchase.

Understanding the process to buying your first home is critical as well as understanding how much you can borrow and how much you should borrow. We've been supporting First Home Buyers through the purchasing process for years and can help guide you through purchasing your first home.

We're a proud member of the Finance Brokers Association of Australia and Mortgage and Finance Association of Australia. Therefore we can help First Home Buyers right across Australia. If you're looking to buy your first home, we have the expertise and experience to guide you through the process and make the right choice.

Our Lending Process

1. Consultation with Your Finance & Mortgage Broker

Your journey to securing a property loan begins with an initial consultation. Whether you're buying a home, investment property, or commercial real estate, your Finance & Mortgage Broker will discuss your property goals, explain the application process, and assess your current financial situation. This meeting sets the stage for finding the right loan options. Your broker will also outline various loan types from banks and lenders across Australia, helping you access the best deals.

2. Preliminary Assessment

Your Finance & Mortgage Broker will thoroughly evaluate your financial situation, including your income, expenses, assets, liabilities, credit history, and home equity. This comprehensive assessment is crucial to determining your borrowing capacity and the loan amount you can apply for. Your broker will help you understand key financial terms like loan-to-value ratio (LVR), interest rate discounts, and lenders mortgage insurance (LMI) that might apply based on your specific financial position.

3. Exploring Loan Options

After assessing your financial situation, your broker will compare various loan products from multiple lenders, taking into account factors like interest rates, fees, repayment terms, and loan features. Your broker will also help you understand the differences between fixed and variable loan rates and the implications of each option on your future repayments. The aim is to find a loan that best suits your needs, whether you're looking for a home loan, investment loan, or a loan to fund another property purchase.

4. Submitting the Loan Application

After choosing the loan product that works best for you, your Finance & Mortgage Broker will assist you with the formal loan application. They will manage the paperwork, request any necessary supporting documents such as bank statements, and submit your loan application to your chosen lender. Your broker will liaise with the lender throughout the application process, keeping you informed about the progress and addressing any issues that arise.

5. Loan Approval & Final Steps

Once your loan is approved, your broker will guide you through the next steps. This typically includes reviewing the loan agreement, ensuring all terms and conditions are understood, and arranging for any additional insurance coverage, such as mortgage insurance. Your broker will also help you set up repayment options and advise on strategies for managing your loan effectively over time.

6. Property Settlement & Ownership

Once all the documentation is in order, the final settlement takes place. This is when the loan is formally advanced, and ownership of the property is transferred to you. If you’re purchasing a property, it’s recommended that you engage a solicitor or conveyancer to ensure the transfer goes smoothly. After settlement, your lender will typically offer online access to your loan, and you’ll begin managing your loan repayments, helping you stay on top of your financial commitments.

7: Ongoing Support

Once your loan is settled, your Finance & Mortgage Broker remains available for ongoing support. This may include advising on managing your loan repayments, exploring the possibility of refinancing, or helping you tap into your home equity for future property purchases. Your broker’s role doesn’t end at settlement—they’ll be there to guide you through the entirety of your property ownership journey.

Our Recent Reviews

I cannot recommend Alex highly enough! We wouldn't be here without his guidance and support. Alex was there for us from our initial consultation, when he took the time to understand our homeownership goals, he broke down complex financial concepts into easy-to-understand terms, making the entire process of buying our first home feel much less stressful. We were informed on every step of the way, reaching out with updates and ensuring we understood all the paperwork. And even now when our dream has come true we still know that we can ask any questions about our mortgage.

Monika Sylwesiuk

Three years ago, Alex helped me buy my first home. Now, three years later, he's helped me refinance. As a sole parent, I was nervous about starting out the process but it's unbelievable how seamless and cruisy it was then and again, this time. Alex absolutely ALWAYS goes over and beyond with his service. He'll always take the time to explain and give you an answer (trust me, I had some stupid questions). Trust his judgement, he will always bring you the best deals. Ellaine on his team is just as lovely, efficient and provides fantastic service. Needless to say, I highly recommend Alex and team to everyone. I am sure you won't be disappointed.

Akanksha Upadhyaya

We had an amazing experience working with Jess. From start to finish, she was incredibly accommodating and made the entire mortgage process feel straightforward and stress free. No question was too small and she took the time to answer all of our concerns with patience, which really helped us feel confident every step of the way. What stood out the most was how personable and approachable Jess was. Her warm, friendly demeanour helped us to feel comfortable and put our worries at ease. She is very professional and we felt that she genuinely cared about helping us find the best solution for our needs. We’re so grateful for her support and would highly recommend to anyone. Thanks Jess!

Lana Millers

Gary and the Team at JFG were fantastic with organising a Home loan for my recent purchase. Gary's knowledge and professionalism was second to none. He was able to meet all my requirements in a loan and made my purchase very easy and seamless. I would highly recommend Gary and the team at JFG to help you in this sector for your next purchase. Cheers, Michael.

Michael DART

Frequently Asked Questions

Why should I use a Mortgage Broker?

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.

Can you help First Home Buyers?

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.

Can you only help with Home Loans?

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.

Can you help with refinancing an existing Mortgage?

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.

What kind of interest rates can you offer?

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.

Are your mortgage brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Finance Brokers Association of Australia and Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.

Contact

5 Moorak Street, Taringa QLD 4068

07 3278 0000

The Trustee for Jacques Financial Group Unit Trust ABN: 49 919 556 973. Credit Representative #514945 is authorised under Australian Credit License #486112

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.