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Looking for your first
home? The process can be
daunting if you do not have some
one to guide you through the
maze of options and requirements. Origin
Finance brokers go
through the process daily with
their clients so they have the
experience to help you with all
stages of the purchase. We make
it easy for you.
Where Do you Start?
The first step in owning your
first home is to find out how
much home you can afford. To do
this you need to find out how
much various lenders will lend
you, but it is more important to
know how much
your payments will be and how
much you can borrow.
How Do Origin Finance Compare
Loans?
At Origin we’ve compared
hundreds of loans from major
banks and other loan providers
to help you find the loan that’s
right for you (from over 500
loans and 35 lenders). You won't
find every loan available in the
market - only selected ones our
experience shows are the best.
Along with their expertise and
experience, our Advisers will
use our specialized software to
select loans that suit your
needs best, creating a shortlist
of loans that are competitive
and suitable – making the
selection process
straightforward and
trouble-free.
Saving Your Deposit
Lenders all like you to have
saved some deposit towards your
first home. This deposit could
come from gifts from family or
other sources or the
First Home
Owners Grant from the
Federal Government. It is even
possible now to purchase your
first home with a 100% home
loan where your borrow the
entire purchase price, although
there are still possibly some
other lender and government
charges.
What Government Assistance is
Available?
 There are several government
assistance schemes in Australia
to help you own your first home.
The
First Home Owners Grant is a
federal grant of $7,000 to
assist you with the purchase.
State governments also offer a
concession on stamp duty. In NSW
this is the
First Home
Plus Scheme. First home plus
is a complete waiving of stamp
duty for purchases up to
$500,000 and some concession to
$600,000. Fill in the
quick enquiry form and we
will let you know if you
qualify.
Getting a Pre-Approval before
you find the dream home
With our assistance you can
get a finance approval prior to
finding a property. This no
obligation service gives you the
confidence that you have finance
available when you look at
homes. This not only will give
you piece of mind but will
dramatically help in
negotiations with the seller.
Pre-approval is a simple
process, simply fill in the
enquiry form and we will
select the best loans for your
situation and process all the
paperwork for you.
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First
Home Buyer Frequently
asked Questions
How Much Does it Cost to
Use Origin's Services?
Nothing - Origin
Finance's service is
free and non-obligatory.
There is no charge for
appointments, processing
applications or on
settlement of your
home loan. You’ll
only have to pay an
establishment fee to the
lender you choose in
order to set up your
home loan.
Our Mortgage Advisers
will come to you to
discuss your needs and
at whatever stage you
can decide not to go
ahead with an
application. We’re
confident though that
we’ll be able to find a
home loan that
suits your requirements.
How Much
deposit Do I need?
At the moment several
lenders will finance
100% of your new home.
If you have a deposit
though, the fees and
charges will be reduced
and the amount you need
to borrow will be less.
Unless you have 20%
deposit (or have other
security offered) the
lender will need you to
pay Lenders mortgage
Insurance.
Other
fees could include legal
fees and house
insurance. Luckily, if
you qualify for the
FHOG then that will
cover most of this cost.
Fill in the
quick enquiry form
and we will find the
right loan for you and
calculate all the fees
that may be charged. |
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Can
I get the First Home
Grant or other First
Home Concessions?
The
First
Home Owners Grant
is a one-off federal
government grant of
$7,000 available to
first
home buyers who
intend to live in the
home they’re
purchasing. This is
usually paid on
settlement and we will
assist you in getting
the lender will organise
this for you .
The other government
concession you may
qualify for is the state
Governments First
Home Plus. This is
the waiving of stamp
duty. The maximum
concession is for
purchases up to $500,000
and is worth $17,990.
Concessions are up to a
maximum purchase price
of $600,000.
For further details
on the Government
assistance see our
Grants and assistance
Page or fill in our
quick enquiry form
and we will send you all
the information and
assist you with the
application.
To find out if you’re
eligible for the
First
Home Owner’s
Grant,
click here.
How Much
Can I Borrow?
How much you can borrow
depends on how much
deposit you have, your
current household income
and what monthly expense
commitments you have.
Use our Home Loan
Calculator to give
you an estimate of how
much you could borrow.
Or simply fill in the
enquiry form and we
will tell you exactly
what you can borrow from
over 35 lenders.
What will
my Home Loan Payments
Be? |
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Use our Home Loan
Calculator to
calculate the repayments
or simply call 1300 30
67 67 or fill in the
quick enquiry form. |
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What
other Things Should I
Think About? |
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Most people don't have
time to research every loan and lender in the market.
That’s why we do it for
you. Here are a few
things that you should
consider before
undertaking the loan
application process.
Some things to start
thinking about now:
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How much do I still need to save?
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Do I qualify for government assistance like the
First
Home Owners
grant?
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How much will I be able to borrow?
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Am I looking for and
Investment or somewhere
to live?
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What features do I need the loan to have?
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Consider your entire
banking needs, not just
the home loan rate?
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Do I need a pre-approval because I want to go to an auction or to
just have peace of mind?
·
What paperwork do I need
to have for the
application? |
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If
you think about these
questions, your
discussions with your
Origin Loan's Adviser
will be easy and simple. |
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Do I need
an Appointment or can I
do this online or by
Phone? |
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The
choice is yours. Origin
have over 40 trained and
accredited Loan
Advisors read to
visit you at your
convenience.
Alternatively call
1300 30 67 67 to
discuss your situation
or simply fill in the
Quick Enquiry Form.
We
can find the right loan
for you face to face, on
the phone or by email. |
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What Should I Do Now? |
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You can book an
appointment with one of
our Home Loan Advisers
Advisers by calling 1300
30 67 67. Alternatively,
you can
click here to
request an appointment
online. An Adviser will
call you back to arrange
an appointment at your
convenience.
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If you would like personal
assistance to help you into you
first home, call our Origin
Finance First Home
Experts.
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Click
Here to Enquire Now
1300
30 6767
Level 3, 97 Pacific Hwy
PO Box 6478 North Sydney 2060
Fax: 02 9922 5276
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