Owner Occupied Home Mortgage

Are you looking to purchase a new home?If you’re a homeowner to be, finding the perfect home and settling in might seem daunting. However, if you prepare in advance and have all of the necessary information, buying a home can be a smooth process. With Hunter Galloway, we’ll be happy to help you throughout the entire home buying experience.

The first thing to keep in mind is that the homebuying process starts even before you embark on your house hunt is determining your budget and making the decision to purchase a new home. This step is crucial — knowing your financial limits will help you determine the right home loan so that you can get pre-approved for that loan as soon as possible. Our team of brokers will make sure that you have all the information you need to get the financial product that suits you best.

Once you’ve completed these important steps, at Hunter Galloway, we’ll help you begin your property search. Are you looking to buy a house or an apartment unit? Have you thought about neighborhood preferences? Do you prefer brand new real estate or historic units? There are many factors to consider here and our team will be happy to help each step of the way.

Finally, once you have found and bought the home that you are most happy with, the next step is moving in. While this can also be a stressful experience in itself, we are happy to provide tips and information along the way so that you can have an all-around smooth property journey.

Get The Necessary Information For Your Owner Occupied Home Loan

At Hunter Galloway, we’ve identified the three most important steps in the buying process:

  1. Deciding to buy over renting
    There are many advantages to owning your own property so thinking about purchasing is a logical next step for you and your family. Nevertheless, deciding to purchase a property is not easy. Take a look at some of the advantages of buying your own home over renting from a landlord:

    • From the first day you own your property, you begin creating equity
    • You can make any alterations and modifications to your property, provided you have the relevant council approval
    • Making monthly payments will eventually end once you pay off your loan and you will become debt free
    • Your property is also an investment — if you decide to move away, you can always rent it out in the future

    If you are interested in purchasing a property, it’s always a good idea to speak to one of our mortgage brokers at Hunter Galloway. A mortgage broker will outline the steps of the homebuying process, make sure that you have a clear financial picture and that you have the information needed to make a confident decision.

  2. Getting pre-approved for a loan
    At Hunter Galloway, our mission is to make your home loan application effortless. We will work tirelessly to help you find the right loan so that you are not stuck with a mortgage that is not suitable for you and your needs. In addition to helping you shop for a mortgage, we will be happy to include a free annual review of your loan, which will mean that you will never miss out on a better rate.
  3. Buying a new home
    There are many things you should know about purchasing your new home. For instance, if you are a first-time buyer, you might be eligible for the government-sponsored First Home Owners Grant. This grant might help you add to your loan deposit and could help you pay off your home loan as soon as possible. At Hunter Galloway, we will help you get all of the necessary information needed to consider your options for buying a home.

The Best Owner Occupied Home Mortgage Broker

If you are interested in getting more information about your new home loan, Hunter Galloway is at your disposal. Our team of brokers has years of experience in securing the best possible loans for our clients, paying attention to a number of factors that will make your loan process smooth and effortless. For more information or a free consultation regarding our services, feel free to contact us for more information today at 1 300 088 065!

Frequently Asked Questions

  • How often do I have to make loan repayments?
    Loan repayments are required to be repaid weekly, fortnightly or monthly depending on the terms. The repayment terms will be made clear from the start so that you can budget accordingly. However, at a minimum, the requirement to be made are at least monthly repayments.
  • How can I make a home loan repayments?
    Home loan repayments can be made via a number of ways. The three main repayment options include direct debit and internet transfer. You can also opt for automated repayments so that you don’t need to do the transfer each time. This makes the payment easy so that all you need to think about is having the money in your account, and the rest is done for you.