1. Determine what your goal is

Research the market, which will help to determine:
What is your ideal goal? Consider:

  • Will the home loan be joint or single? 
  • Will the property be owner occupied or an investment? 
  • Will you be using savings or equity for a deposit?
  • Click on one of the links below to familiarise yourself with all of the fees associated with a home loan application:
  • Lenders Mortgage Insurance
  • Mortgage repayment insurance
  • Stamp duty (calculator)
  • Transfer fee
  • Registration
  • What is your employment situation? i.e. full time/casual/probationary, etc.
  • Is the timing right; are you in a position to buy comfortably? 
  • Develop your revised goal.

2. Get in touch with us and let us help you

We will assist you by:

  • Confirming what you need to apply for a home loan
  • Sending you a quote, and an application if you are ready
  • Covering off all of the loan options 
  • We have many products that make it easier for you to buy a home
  • Determining what the best method of communication is hereafter:
  • In a branch
  • Email/online facilities
  • Mobile lenders
  • Over the phone

3. Decide on the best loan and apply with us

You will need to have ready:

  • A list of your liabilities
  • A list of your assets 
  • Verification of your income

We will provide you with:

  • Pre-approval/outcome letter (these can be very helpful when making an offer)

4. Buy your home

  • Look for a house
  • Enter into a contract
  • Get a valuation
  • Organise a building inspection
  • Employ a conveyancer
  • Claim your free building cover with Beyond Bank for 90 days
  • Move in!

5. Manage your loan

  • Get the details of your Relationship Adviser, they will be happy to help with any questions you have when trying to manage your loan
  • Set & forget: set up pay splits so the payments are made as your pay hits your account
  • Choose from our complimentary products
  • Mortgage offset account
  • Redraw Facility
  • Set up Internet Banking and familiarise yourself with our Beyond Finance Manager and other facilities

More useful tools:

  • Lump Sum Repayment Calculator
  • Principal/Interest Loan Calculator
  • Home Loan Calculator Fact Sheet
  • Extra Loan Repayment Calculator

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