Your steps to homeownership
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We have a simple & easy step-by-step process that’s designed to help home buyers get ahead faster.

Think about it. This is your chance to put your hard earned money towards paying off your OWN home, start creating capital growth, and building a more secure financial future for yourself and your family.

We have a simple step-by-step service that’s designed to help our home buyers get ahead faster, easier and with peace of mind. Did we mention that it’s cost free* as well!

Below is a brief overview of the steps we will walk you through in your journey to homeownership.

1. Pre-Qualification

The pre-qualification process allows us to determine if we may be able to assist you with our Low Deposit Solution. Through this we can also get a clear understanding of your goals, suburbs of interest and affordability.

Armed with your answers, our finance team will assess your current financial situation and calculate how much a lender will potentially lend you (your borrowing capacity). Once pre-qualified, our Home Buying Coaches will guide you through to the next step.

2. Enjoy your free initial consultation

This is where you sit down with your Home Buying Coach who will introduce you to our service. They will help to develop your home-buying plan and show you how we can help you get there.

They will meet you at a time and place suitable for you and provide you with all the exciting options you have ahead of you.

Your Home Buying Coach will be beside you every step of the way to answer any questions and provide you with all the information you need to make informed decisions.

3. We then finalise your borrowing capacity

Once you’re happy to proceed, our in-house finance team will confirm your income and expenses. This allows us to confirm how much you can potentially borrow.

They will also access your Credit File to check your current credit score. If you’ve ever defaulted or simply missed a payment, we need to be aware so we can develop a plan appropriate to your circumstance.

4. Property Selection - the FUN part

At this stage we will explore some potential new home options with you. We will package options based on your affordability, desired locations and preferred house design (if applicable).

Once you’ve selected your new home you will reserve the property by signing an ‘Expression of Interest Form’. This takes the property ‘off the market’ ensuring it can’t be sold to someone else.

We've got new home deals already packaged, ready for you.

5. Contract Signing

We will organise to have purchase contracts for you new home prepared and arrange a time to meet to assist with contract signing. At this stage our finance team will have narrowed down your home loan options, so we will also go through the home loan application, lender documents and First Home Owner Grant forms (if applicable) with you.

Your home loan application will be submitted to your chosen lender for approval and your signed purchase contracts will be processed. We now wait for finance approval from the lender. During this time, we will be in constant contact to advise of any updates (or requested information) from the lender.

6. You're Approved!

Start Celebrating, you’re on the home stretch.

Once your home loan application is formally approved we will inform your legal representative so they are aware your purchase contract can now go ‘Unconditional’, making it a binding agreement between you and the vendor. If applicable, the First Home Owners Grant will also be approved by the State Revenue Office.

It’s time to celebrate, and start packing, you’re about to be a home owner.

Your lender will issue your home loan documents and we will meet you to discuss and assist you with signing them. They will then be sent back to you lender so all parties can get ready for settlement of your brand new home.

7. You're officially a home owner!

Once your property settles it is officially yours.

If you have purchased a house and land package this is where the builder starts construction of your new home.

Throughout the build stages, we will guide you through and keep you up to date with the progress of your home. You can feel confident knowing that our service doesn’t end here, we are here with you the whole way through this journey.

Ready to get started?

Get pre-qualified