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Terence Hammond

Buying your first home? Contact Mortgage Choice broker Terence Hammond!

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Buying your first home in Colebee

Are you thinking of buying your first home? During this exciting - and sometimes overwhelming - time, it’s important to have professional advice that you can rely on, so you can start your home-owning journey off on the right foot.

When you work with Terence Hammond at Mortgage Choice in Colebee, you know that your best interests are at the forefront. Terence can help explain any unfamiliar concepts and takes the time to get to know you and your goals.

Terence can assist you through every step of your journey, including

  • Assessing your financial situation
  • Advising you of your borrowing power
  • Addressing your eligibility for grants, and whether you need LMI
  • Helping choose you the right loan for your needs
  • Securing pre-approval if necessary
  • Completing your application
  • Following through to settlement and beyond

Plus, when you work with Terence as your mortgage broker, you not only have hundreds of different loans at your fingertips but also gain access to a wealth of knowledge developed through years of experience. And all of this is completely free of charge, so you can save money for your home! Get in touch with Terence today if you’re thinking about buying your first home soon to learn more.

Contact Terence today!

Using a guarantor

It can be difficult to save a deposit, especially if you are already renting. Generally, if your deposit is less than 20% of the home value, you will be required to take out Lenders Mortgage Insurance (LMI). However, having a guarantor on your loan can help you avoid this extra cost to save you thousands. 

Your guarantor - usually a close relative - offers equity in their own home to help ‘top up’ your cash deposit and guarantee your loan. This means you can buy your dream home with a smaller deposit and get your property journey started earlier. If you are considering using a guarantor to buy your first home, talk to Terence Hammond today at Mortgage Choice in Colebee to go over the finer details of your situation. 

Contact Terence today!

Handy home-buying resources

Download our free comprehensive guides to learn more about buying a home and finance. Whatever stage of your journey you are in, there’s a guide to help you make the most of it.

If you're ready to buy your first home, contact Terence Hammond on 0413 184 184 today.

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