Where do I start?
Call First National Financial Solutions on 1800 720 363 and make an appointment to discuss your needs. It is not essential at this pont to have a specific property or home in mind.

The lender will give you an indication of the amount you’ll be able to borrow. Online calculators are also a good place to start.

What to take to the appointment

1. Current employment and income records
Take confirmation of details of your employment and income for the last three years (for example, Tax Returns, Group certificates. or a salary or wages slip).

2. List of assets
Note down your assets (money on deposit in the bank, cars, investments, real estate, stocks and bonds, collections and other assets) and their values.

3. List of liabilities
Write down what you owe (credit cards, personal or car loans, charge accounts). Credit card numbers can speed up the process.

4. Your budget
Write down all of your monthly expenses to help both you and your lender determine how much money is available to service the loan.

With this information, you can discuss your options and the kind of home loan and repayments that are right for you. Your home loan consultant can then issue you with a pre-approval or pre-qualified certificate that states how much they are prepared to lend you for a home.

With this certificate, you can start house hunting with confidence. It also serves to put you ahead of the race when other would-be purchasers are interested in the same property as you are.