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
- 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