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Peter Deitz

Buying your first home | Mortgage Broker in Frankston & Langwarrin

As your local mortgage broker in Frankston, Langwarrin, Patterson Lakes & surrounds, we are here to guide you through the entire home loan process, from start to finish.

If you haven’t found the right property yet, our team can help you organise pre-approval so you can shop around for your new home with confidence knowing exactly what you can afford. Find out more about what home loan pre-approval is in our short video below.

What is home loan pre-approval?

Want to know more? Check out our resources below!
The steps to buying your first home! Mortgage Brokers in Frankston
  • Budget & Save
    Plan your budget to see how much you can afford to repay, and set a plan to start saving for a deposit.

  • Establish your capacity
    Meet with our team of brokers from Mortgage Choice Frankston & Langwarrin to discuss your finance options and work out how much you can borrow

  • Choose your loan & lender
    Work with us to select the right loan for you and request loan pre-approval. As your mortgage broker, we will take care of the application and paperwork.

  • Operation dream home
    Let the fun commence! You now get to search for your new home, safe in the knowledge of how much you can afford to spend.

  • Assess and inspect
    Organise building and pest or strata inspection on the home of your choice.

  • Make an offer 
    To buy through a real estate agent, make an offer and begin negotiating on price. To buy at auction, place a bid and hold your nerve!

  • Sign & exchange contracts
    Once an offer has been accepted, contracts are signed and exchanged. At this stage, you will pay your deposit, usually 10% of the purchase price.

  • Cool off
    You now have a few days to change your mind about the purchase. If you back out, you may forfeit some of your deposit. There are regional differences in cooling-off periods, and if you have bought at auction, you won’t have the option. Auction purchases are final!

  • Settle & celebrate
    Settlement usually occurs four to six weeks following the exchange of contracts. The keys are handed over, and you are officially a home owner!

As your mortgage brokers in Frankston & Langwarrin, we can help you find the best home loan for your needs. Book your free appointment today by calling Peter on 0413 439 766.

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