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Getting your first home loan is exciting and a little scary at the same time.

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Not only are you faced with the challenge of finding the right property to become your first home, but you also need to know you're getting the right first home loan. The Australian mortgage market can be a confusing maze of options, home loan interest rates and bank jargon that can be difficult for a first home buyer to navigate successfully, but you don't have to get through it on your own. National Lending Group understand that buying your first home can seem confusing and complicated. Our mortgage advisers can help you to choose a loan that’s right for you, without all the running around. Our advice is based on years of experience and costs you nothing.

  • We will tell you exactly how much deposit you will need

  • Help with your First Home Buyers’ Incentives such as First Home Owner's Grant

  • Explain all the costs involved in financing your first home

  • Calculate the amount you can borrow

  • Confirm your exact repayment amount on your chosen loan

  • Explain all the family guarantee loan options available

  • Help you find a loan solution that gives you the flexibility you need

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H O M E  B U Y E R S 

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First home buyers often want to know when the best time to buy is going to be. There is no right or wrong time to buy your first home - only the time that suits you and your circumstances. Many would-be investors try to time the market and buy at the bottom of the real estate cycle, looking for a bargain, but the truth is it makes no difference when you buy. The right time is when you feel you're ready to go out and buy your own home.

​When it comes to finding the 'best' first mortgage for you, it's important to remember that no two people have identical financial situations. Nobody else has your same income, expenses or goals. This means that modelling your financial plan on a mortgage that worked really well for a friend or family member may be a terrible option for your own first home loan. Always keep in mind that you should be looking for a mortgage package that works best for your unique personal situation.

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You know how much you can afford, but what does the bank think? Getting a pre-approved loan with Ace Brokers & Finance is easy. We ensure you can shop with confidence for your dream home knowing that your finance is conditionally pre-approved with our fast pre-approved loans.

  • Give you the confidence of knowing how much you can pay for your house

  • Jump the queue ahead of house-hunters who haven’t locked down their level of borrowing

  • Stronger bargaining power with the vendor as your pre-approval may take one of the key conditions out of the purchasing process

Submitting a mortgage application will let you know where you stand with your first home purchase. A pre-approval will also let you know what down payment is required, what your monthly mortgage payment will be and the maximum sales price of a house you could qualify for.

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  • Fast application processing and fast approval

  • Flexible loan features

  • Re-draw and extra repayment facilities

  • Weekly, fortnightly or monthly repayments

  • Fixed, variable or split loan options

  • Current lender discounts and promotions

  • Access to a 100% offset account

  • Access to your loan online

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