Buying My First Home Archives

Nov 10

The Hidden Costs of Buying a Home: What You Should Expect

By marketing@top4.com.au Buying My First Home

With 25 years in the mortgage and home‑buyer space in Queensland, I’ve seen many buyers focus on the deposit and the loan, but overlook the “extra” costs that sneak up on you. In this article, I’ll walk you through the hidden costs of buying a home so you’re fully prepared and…

Apr 23

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Mortgage Broker or Real Estate Agent: Who Should You Talk to First

By marketing@top4.com.au Buying My First Home, News

When buying a home in Queensland, especially in Rockhampton or surrounding areas, getting the order right matters. Knowing whether to speak to a mortgage broker or a real estate agent first can make a difference. Here’s a clear guide on how to approach the process. Understand Your Finances with a…

Feb 03

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Stamp Duty Calculator for Queensland: How Much Will You Pay?

By marketing@top4.com.au Buying My First Home, Finance Help, News

Buying a home in Queensland comes with extra costs beyond the purchase price. One of the biggest expenses is stamp duty, a tax on property transactions that many buyers don’t factor into their budget early enough. Underestimating this cost can lead to unexpected financial strain, making it harder to secure…

Oct 22

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Take Advantage of Stabilising Rates with Finance First

By marketing@top4.com.au Buying My First Home, News

If you’re a first-time buyer, you might have been concerned by recent interest rate hikes. But market indicators suggest that interest rates have stabilised and are likely to drop. This means you could soon benefit from more favourable borrowing conditions. With the possibility of easing rates, now is the time…

Oct 27

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First Homeowner’s Guide: Navigating the Australian Property Market

By marketing@top4.com.au Buying My First Home, Home Lifestyle Tips, News

The property market, which is currently on the rise, can be compared to a well-choreographed dance. It requires precise timing, careful planning, and a smart strategy. As a first home buyer, it's understandable if you have limited experience in the market. However, with the right knowledge and strategies, you can…

Oct 16

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How Your Employment Status Affects Your Mortgage Approval?

By marketing@top4.com.au Buying My First Home, Finance Help, News

The dynamics of the mortgage market have seen significant shifts. Various factors such as global economic changes, interest rate movements, and evolving job market landscapes have all played a role. For potential homeowners, understanding your employment type's influence on your mortgage prospects is crucial before filling out an application. This…

Sep 20

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Mortgage Brokers Lead the Way: A Decade of Growth and Trust

By marketing@top4.com.au Buying My First Home, Investing In Property, News

In the ever-evolving landscape of the Australian housing market, one profession has steadily risen to prominence over the past decade – mortgage brokers. A decade ago, they accounted for a modest 45% of all home loans arranged in the country. Five years later, that number had grown to 54%, and…

Sep 15

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Home Loans in Australia: A Comprehensive Guide to Homeownership

By marketing@top4.com.au Buying My First Home, News, Refinancing My Home Loan

This comprehensive guide will help you navigate the world of home loans in Australia and make informed decisions to secure your dream home. Chapter 1: Types of Home Loans Before diving into the process, it's essential to know your options. Variable-Rate Loans: These loans offer flexibility with interest rates that…

Aug 26

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First home buyer profile

By afg_admin Buying My First Home, News

Caitlin and Joel Loan amount: $670,000. Monthly repayments: $2700. Grants accessed: First homeowner $15,000 and 2020 HomeBuilder $25,000. Deposit: 15 per cent plus 5 per cent guarantor finance to reach the 20 per cent threshold required to avoid paying Lender's Mortgage Insurance (LMI). While 2020 was the year many…

Feb 16

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Going for broker

By afg_admin Buying My First Home, Finance Help, News

In a year when just about every real estate record was broken, home buyers turned to mortgage brokers in droves. More than two-thirds - a record 66.9 per cent - of residential mortgages were written by brokers in 2021.1 That's a leap of 6.8 per cent on the year before…

Buying My First Home

The Hidden Costs of Buying a Home: What You Should Expect

Mortgage Broker or Real Estate Agent: Who Should You Talk to First

Stamp Duty Calculator for Queensland: How Much Will You Pay?

Take Advantage of Stabilising Rates with Finance First

First Homeowner’s Guide: Navigating the Australian Property Market

How Your Employment Status Affects Your Mortgage Approval?

Mortgage Brokers Lead the Way: A Decade of Growth and Trust

Home Loans in Australia: A Comprehensive Guide to Homeownership

First home buyer profile

Going for broker

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