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The great Australian dream come true.
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- In the community
- Buying A First Home
When taking out a home loan, financial institutions use several criteria to assess a person’s eligibility and ability to service the loan. Beyond Bank’s mobile bankers provide guidance and support to customers throughout the loan application journey, which can sometimes be a little bumpy.
Judith and Fungai applied for a home loan with us after they learnt that we were one of the only financial institutions with remaining places for the First Home Buyers Deposit Scheme (FHBDS).
Judith was a nurse, simultaneously working a full-time and casual job before recently accepting a 12-month fixed-term employment contract at their local hospital in Western Australia. Fungai, working on a casual basis, was the main caregiver to their three children.
“Judith and Fungai were looking for something closer to Judith’s workplace and were so excited to be applying to buy their own home,” said Jodie Nairn, the WA Mobile Banker looking after the couple’s application.
“I knew straight away that they were hard workers with great character and determination,” said Jodie.
The couple moved to Australia from Zimbabwe in 2010. They had become Australian citizens and met all the criteria to be eligible for the FHBDS. Unfortunately, due to not being able to rely on the casual income, and after exhausting all avenues, Jodie had to tell them that they needed to wait until Judith had completed six months of her new contract.
“We were all very disappointed at that point, but I didn’t want to give up on them. They were so committed to the process, and they so wanted to achieve their dream of owning their own home,” said Jodie.
Timing is everything.
At the start of the new year, Jodie contacted the couple to see how they were going. Fungai happily shared that Judith had just received permanency at the local hospital.
Jodie met with them again to retake their application. This time, it was approved and their Beyond Bank home loan settled shortly after, enabling them to buy their new home.
“I still can't find the appropriate words to describe how Jodie dramatically helped us change our lives,” said an elated Fungai.
“There is no better dream than to have what one calls your own home - the great Australian dream!
"Not having any experience with the home-buying process, we had feared it would be a complicated process. But Jodie made it so simple and stress-free. She guided us through everything we did, and we cannot thank her enough,” said Fungai.
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