Tips and tools

See our handy tips and tools for plenty of helpful home buying facts and information.

Helpful Tips

Negotiating to buy

Hints and tips when negotiating to buy a property. In all cases, you should seek legal advice because you will be entering into a legally binding contract, and this information should be viewed as a general guide only.

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Guarantors 

Many lenders will allow a related third party to provide additional security to help a family member buy their own home. The person providing this assistance is known as a guarantor.

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Property purchase costs

When purchasing a home there are additional costs you need to consider on top of the purchase price. We will help you work out the total cost of your purchase and the loan amount you require.

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Deposit bond

A deposit bond, sometimes referred to as a deposit guarantee, is an insurance policy that acts as a guarantee to the vendor that the purchaser will pay the deposit at settlement.

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What is equity?

If you own your home or an investment property, chances are you have some home equity – and it could be a surprisingly useful financial tool.

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Lenders Mortgage Insurance

LMI is insurance to protect the lender but is paid for by the borrower. Depending on your situation, you may need to pay LMI when applying for a home loan.

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Pay your mortgage off faster

Do you dream of the day when your home is all yours? There are a few simple steps you can follow to help you pay off your home loan sooner rather than later.

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Checklists and Worksheets

Property inspection checklist

This checklist will help to guide you through the factors you should consider when inspecting a property.

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Moving house checklist

This checklist is designed to help you better prepare for and manage the tasks involved in moving houses.

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Property purchase cost worksheet

Use this worksheet to calculate the total cost of buying your property.

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Budget worksheet

Use the Mortgage Choice budget planner to get your savings and house deposit on track!

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Home loan application checklist

Documents required when putting together your home loan application.

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Settlement action plan

This action plan details the events that need to occur before settlement of your home loan.

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"Is it time to refinance" checklist

Questions you should ask yourself before deciding whether refinancing is right for you.

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For expert home loan advice, talk to us today.

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