First Home Buyers - Mortgage Brokers based in Ipswich

First Home Buyers

At Ready Finance, we're Finance & Mortgage Brokers helping clients Australia-wide access Home Loan Options, Grants and Incentives

5.0

from 103 Reviews

Header Photo for Ready Finance First Home Buyers

Helping you understand your Home Loan options and the grants and incentives available

Taking the first step onto the property ladder is an exciting yet daunting process for first home buyers. With Ready Finance by your side, you'll navigate through the myriad of home loan options with ease, ensuring you find the perfect match for your financial situation. Our Home Finance & Mortgage Brokers specialise in helping first home buyers like you. We tap into a wide range of banks and lenders across Australia, ensuring you get access to the best deals out there.

One of the key concerns for first home buyers is finding a competitive interest rate. At Ready Finance, we work tirelessly to secure interest rate discounts that can save you thousands over the life of your loan. Understanding the ins and outs of lenders mortgage insurance (LMI), stamp duty, loan to value ratio (LVR), and how your credit history affects your borrowing capacity can be overwhelming. Our experts are here to demystify these terms for you, ensuring you're well-informed at every step of the application process.

We take pride in offering a personalised service, assessing your individual needs to recommend the right loan amount and product, be it for buying your first home or exploring investment loan options. Applying for a home loan is a significant step, but with Ready Widę Finance, you're not alone. We simplify the application process, guiding you towards making your homeownership dreams a reality. Choose Ready Finance, where first home buyers find the clarity and support they need to embark on their home-buying journey confidently.

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The Home Loan Process

Discovery Call

A 15-minute phone conversation with one of our qualified finance and mortgage brokers to establish the outline of your scenario. Whether you’re a first home buyer, refinancing an existing home loan, or seeking investment property financing, we’ll determine how we can help you achieve your goals and recommend the next steps.

Fact Finding and Document Collection

You will receive an email with a secure link to our online client center. Using this platform, you can provide detailed information and upload any documents necessary for our mortgage brokers to complete an initial home loan assessment. This step ensures we understand your financial position and can present the most suitable loan options.

Broker Meeting

Your mortgage broker will carefully review your provided information, calculate your borrowing capacity, and suggest loan options that match your needs. During the meeting, either in-person or via video conference, we’ll explore home loan structures, interest rates, repayment types, and loan terms. Whether you're a first home buyer or refinancing your home loan, our experienced brokers will recommend the best lenders for your scenario.

Submission

Once you and your mortgage broker agree on the most suitable loan solution, we’ll prepare and submit your application to your chosen lender. You’ll be asked to review and sign a summary document outlining the loan details and lender terms. In some cases, lenders may require specific application forms to be signed before submission.

Approval

After submission, your loan application will be assessed by the lender. Approval times may vary, but our team maintains regular contact with the lender to ensure progress. Your mortgage broker will keep you informed at every stage. Should the lender request additional documents or clarification, we’ll promptly coordinate with you to keep the process on track.

Once we receive formal unconditional approval, we’ll share the great news with you.

Post-Approval and Settlement

Following loan approval, the lender’s legal team will generate the loan documents for signing. Most lenders now offer digital signing for added convenience. Our dedicated settlements officer, Ashleigh, will be available to guide you through this final step, ensuring a smooth and stress-free settlement.

Whether you're a first home buyer navigating the loan process or a homeowner seeking to refinance for better rates, our team of expert mortgage brokers is here to help. Reach out today to get started on securing your ideal home loan.

Our Recent Reviews

Fantastic service,. Ben and his team have been the best. Nothing has been a problem and communication is second to none. Highly recommended.

wayne Andersen

Purchasing first home can be stressful when comes to finance. (Especially you’re doing this on your own and ‘google’ every steps) I am super grateful and lucky to have Ben and Ashleigh guiding me throughout the entire home loan application. Both Ben and Ashleigh are super nice and knowledgeable. Ben and Ashleigh are 100% legend! Ben even response to me on Sunday or after work hour (eg: 8pm) when I asked a question so that I got my every answer straight away. Ashleigh is so patient dealing with extra processes because of my name (ID process) Just want to say a big thank you to both Ben and Ashleigh for making the entire loan process so easy even though my finance situation was difficult. You guys are AWESOME and I’m forever grateful!!!!!

Ng Shean

We received recommendation to Ready finance from our real estate agent.Ben & Ash are a amazing team and fulfilled our financial needs to a high degree of quality and professionalism.Forget the banks and give Ready Finance a go.Thanks guys.

Roger Schultze

The team at Ready were fantastic, and ensured a seamless transition as part of my refinance

Nicholas Grant

Frequently Asked Questions

Why should I use a Mortgage Broker?

Brokers work as the intermediary between you and the lender. We work in your best interest to get you the best loan for your scenario. Your broker will be your single point of contact throughout the process; no more waiting on hold and explaining your situation to several different people.

You could potentially be wasting your time taking your application directly to the wrong bank for your scenario; instead let your broker get it right the first time.

At what point should I see a mortgage broker?

If you’re coming off a fixed rate, it is best to speak to a broker 4 to 6 weeks before the fixed rate expires. That way, you can ensure you don’t revert to a super high revert rate, and the transition to a new low-rate loan all happens at the right time.

If you’re looking to buy a home, it would be best to speak to a broker 2 weeks out from when you are going to start looking in earnest. The broker can then assess borrowing capacity, and check credit ratings, and eligibility before possibly helping with a pre-approval.

How much do mortgage brokers charge?

Our service to you is free of charge; we are paid by your chosen lender when your loan settles at no extra expense to you.

Is it better to use a mortgage broker?

There are benefits of using a broker compared to going directly to the bank. Most brokers work with several different banks, and if your scenario fits, the broker will find you the best deal with the cheapest rate.

If you use a broker at Ready, you will have one contact whom you can keep in touch with via text, call, or email; no waiting in call center queues, no need to explain your issue to the 3rd person in a row.

Sometimes, going directly to the bank, you can waste time by applying to a bank that won’t even consider your scenario. A good broker will be able to navigate the pitfalls and go to the right lender the first time around.

Can you help first home buyers?

Since navigating the home-buying process is already tough, we've made it a bit easier by gathering all the current grants, schemes, and discounts available to Australian first-home buyers in one place.

Do you get a better rate with a mortgage broker?

Brokers have access to over 30 different lenders, and finding the customer the best rate is something we always strive to achieve.

But not all lenders are equal. If I could offer you a straightforward application with minimum paperwork and a next-day approval versus a complex paperwork marathon to save $5 a month, which would you choose?

Request a Call Back

Name

Phone Number

Email Address

Contact

Shop 8, Karalee Shopping Village, 39-52 Junction Road, Karalee, QLD 4306

07 3544 0922

Ready Finance Group Pty Ltd ABN: 83 672 779 761. Credit Representative #534 137 is authorised under Australian Credit License #389 328

Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.