Home Buying Basics

Your Roadmap to Buying Your First Home with Confidence

Loan-to-Value Ratio - LVR

Lenders Mortgage Insurance - LMI

Stamp Duty aka Transfer Duty

Borrowing Capacity (Serviceability): How much will the bank really lend you

5 Cs of Credit: The 5 things banks check before saying yes

Conveyancer vs. Solicitor: Same goal, different roles — which one do you need?

Principal & Interest Repayments: Where does your mortgage really go?

Debt-to-Income Ratio: The number that can MAKE or BREAK your Loan Approval

Variable Interest Rate: When your rate moves, so do your repayments.

Interest-Only Loan (IO): Pay Less Now, Plan Smarter for Later

Fixed Interest Rates: Stability and Certainty for Your Mortgage

Rate Lock: Protect Your Rate Before It Climbs Up

Break Fee or Costs

Offset Account

Shredding

Cooling-Off Period or Due Diligence

Split Loan

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