First Home Owner

Great Mortgage Service For First Home Buyers

For most Australians, planning to become first home buyers is an exciting time. It can also be stressful. After all, there’s a lot to think about, and a home loan probably represents the most significant debt you’re ever likely to take on. At Coffs Coast Finance, we provide a full end-to-end service designed to support first homeowners from start to finish. Together, we’ll make a plan. So, from initial review, to getting you on the right track, and to the final days of completion, we’ll support you. Furthermore, we’ll provide advice, education, and access to our networks to ensure you are well informed and ready for each stage. As first home buyers, you’re starting out on an exciting journey, and we want to make that journey as smooth and hassle-free as possible.

A Quick Guide For First Home Buyers

Buying your first home can seem daunting. Here’s a quick guide to the steps that’ll lead you into your first home.

  1. Save for a Mortgage Deposit
    Your first step is to get your finances sorted. Now’s the time to talk to us so that you can be sure your budget and savings are realistic. Ideally, you should aim for a 20% deposit, but there are alternatives. Our initial review is free and without obligation.
  1. Find out how much you can Borrow
    Once we’ve agreed on a budget, we’ll let you know exactly how much you can expect to borrow.
  2. What’s the Best Interest Rate?
    There are lots of different mortgage products out there that may suit you better than others. For instance, some begin with lower repayments that gradually increase. Rest assured, we have access to the best products at the best rates. Also, now’s the time to get loan pre-approval so sellers know you’re serious.
  3. Find the House You Want
    Things are getting exciting now, it’s time to go home hunting! So, remember to stick to your price range and budget. It’s easy to get carried away by looking at houses beyond your budget. Do plenty of research on your chosen location, know which properties represent good value. And pace yourself, this could take a while.
  4. Negotiate to Buy
    Once you’ve found a possibility, do your due diligence. In other words, thoroughly inspect the property, the boundaries and the neighbourhood. Now, get a building and pest report. If it’s all good, put in an offer. If it’s accepted, contract a good conveyancer (we can help you with recommendations).
  1. Settlement
    You’re nearly there! Settlement means a mutually agreeable date for the transfer of the property title deeds into your name. Once complete, you finally get the keys to your new home.

First Home Owners Grants

NSW Government provides a $10,000 grant for first home buyers. This is an excellent boost to your deposit savings, and we’ll help you apply to make sure you get all the benefits. Furthermore, we’ll discuss first-time buyer’s concessions on Stamp Duty. Also, at the moment, there’s an additional ‘Homebuilder Grant’ of $25,000 available too. The HomeBuilder is available until the end of the year.

If you are looking to become first home buyers, contact us today and let’s get your journey started.
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First home buyers

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Once you get an idea of your mortgage repayments Your local franchisee can also help guide you through this process.

    Our Reviews

    Coffs Coast Finance have been an absolutely amazing team of professionals. From start to finish through my home loan process, both Dan’s and Mandy have been super supportive and have managed all the logistical work on my behalf. After a comprehensive look at my finances they advised me on the best course of action. The process was quick, easy and effortless due to the fantastic team! If I ever had a question they were only a call away and always made time to call me back on the same day. I recommend Coffs Coast Finance to anyone, due to their knowledgeable understanding and helpful can do attitudes! Coffs Coast Finances work above and beyond and keep you in their best interests at all times, nothing is too big or too small!
    Courtney Byrne
    Courtney Byrne
    10:06 05 Aug 20
    We approached Dan and the folks at Coffs Coast Finance to review our loan offer and never looked back . He was diligent, courteous and professional. He looked around and got us a better offer , all the time keeping us updated along the way. We are more than pleased with everything that has been done for us and couldn’t recommend him highly enough. So impressed we will be giving the team the business loan to go over next. Well done guys 😀
    Louis Clan
    Louis Clan
    13:48 22 Jul 20
    I could not recommend these guys highly enough, they definitely go above and beyond all expectations. The service and expertise they provided during the recent purchase of my new home was outstanding and have made the process very easy and stress-free. A massive thank you to Taj and the Team at Coffs Coast FInance.
    Shanae Turner
    Shanae Turner
    11:11 22 Jul 20
    Highly recommending Coffs Coast Finance to anyone who is looking for some finance advice, getting a loan, and who wants amazing support and knowledgeable people. My experience was feeling welcomed and warm, with Dan and them team constantly responding to my questions with knowledge to answer my questions and more. The turn around to get a loan approved with Coffs Coast Finance was amazingly quick and very easy for me as the end customer, I can't thank Dan, Mandy and the team enough for the time and support they gave me, with great results. Thanking you all, highly recommended.
    Bradley Chakos
    Bradley Chakos
    20:21 15 Jul 20
    My husband and I were recommended to Dan McCarthy and the team at Coffs Coast Finance to help with purchasing a block of land and building our first home. Dan has made this process easy and stress free. He was exceptional in helping us understand the world of mortgages, and always had a smile no matter how many times we asked the same question. He was quick with his communication and we are grateful for how flexible he was in meeting us at a time and place of our convenience. We highly recommend Dan and will be using him for any future purchases!
    Nicole Gwynne
    Nicole Gwynne
    09:20 27 May 20
    Dan McCarthy and his team were absolutely amazing. I had met with another broker earlier who thought my age would go against me securing the loan amount i wanted, but thankfully a friend recommended I give Dan a call. Not only were there no problems, he found me a much better rate with a reputable bank. Dan was always available, would reply promptly to all emails and messages and made the process so easy. I cant recommend him and Coffs Coast Finance enough.
    Cindy Roberts
    Cindy Roberts
    09:50 25 Apr 20