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Buying for your first home?

Talk to your local Adelaide Hills first home buyer home loan experts to get your a better deal.

When you are buying your first home your local Adelaide Hills Mortgage Choice broker can help you with expert advice throughout the whole process.

Taking the first step towards owning your own home is both exciting and a little overwhelming. But the rewards are outstanding. At Mortgage Choice in the Adelaide Hills we pride ourselves on being your local home loan experts. We get to know your personal situation and then we work with over 20 lenders, including the big four banks, to find the loan for you. We’ll manage your home loan from application to post-settlement, all at no cost to you.

As your local Adelaide Hills home loan experts, you can depend on us to work hard to find you the best deal. We've helped hundreds of local Hills residents and our team has over 40 years of experience in providing credible and professional financial services at various banks and institutions, which enables our team to provide you, our clients with a rewarding experience when dealing with us.

What do you need to know for your first home loan?

When shopping around for a home loan, you need to work out what type of home loan will suit your situation. There are a number of different types of home loans are available. The one that is right for your needs will depend on your circumstances, but usually, most lenders offer several different types of home loans including:

  • Variable rate home loans
  • Fixed rate loans
  • Line of credit loans
  • Construction loans, and
  • Bridging loans.

Remember, the different types of home loans each have various features that appeal to different borrowers. The key is to have the type of home loan that is right for your circumstances, and this is where we can help.

It is all about choice!

With over 20 Lenders to choose from, we will find you the best deal for you individual situation. Best of all, is we are paid the same no matter which lender you choose to go with, so you can ensure we always have your best interests at heart.

At Mortgage Choice in the Adelaide Hills, we build life-long relationships with our valued customers in our local community. We service all the Adelaide Hills areas including Aldgate, Crafers, Stirling, Bridgewater, Hahndorf, Balhannah, Oakbank, Woodside, Lobethal, Birdwood, Mt Barker,  Nairne, Littlehampton, Strathalbyn, Goolwa, Murray Bridge and beyond. 

How our brokers can help you get your first home loan...

  • Understand your needs: We will find out as much as possible about your circumstances and goals.
  • Compare loans to find the right one: Our brokers will compare hundreds of home loans from over 20 lenders, including the big four banks, to quickly narrow down your choices to the ones that best suit you.
  • Do all the legwork: If you decide to go ahead with an application, our team will prepare all of the paperwork and support you through the entire process.
  • Work out your borrowing power: We will calculate how much you can borrow and how much you can comfortably afford to repay.
  • Answer your questions: Our brokers have a wealth of knowledge built up over years of experience in home loans that they're only too happy to share.
  • Help you with pre-approval: We can help you get pre-approval for your home loan so you can shop around for your home with confidence, knowing what you can afford to spend and jump on the property of your dreams when it comes available!
  • Apply for First Home Owner Grant incentives: In Australia, there are a number of government incentives available to first home buyers. We’ll let you know whether you’re eligible for assistance schemes such as the First Home Owners Grant (FHOG) and help with the paperwork.
  • Support you all the way to your first home: When you’re ready to move ahead with your first home loan, your broker will prepare all the paperwork and support you at every step to settlement.

Can I get a First Home Owner Grant?

In South Australia, first home buyers purchasing new homes may be eligible for a grant of up to $15,000.

  • First Home Buyer Grant: $15,000
  • New or Established Properties: New
  • Max. Value of Property: $575,000

A partial stamp duty concession for contracts entered into from 1 July 2018 are no longer available. For more detailed info click here.

First home buyer's guide 

Purchasing your first property can be an overwhelming process and there may be steps you are unsure or unaware aware of. This guide will walk you through all of the steps involved in the buying process. Click here to download our First Home Buyers Guide.

The right home loan for your first home

Our mission is to find the right home loan for your individual needs and to always have your best interests at heart. Plain and simple. Which is why we have such a wide range of lenders to choose from. We can search through hundreds of products to find something tailored to your situation. ~

Contact us today.

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