First Home Buyers
We'll help you into your First Home
We'll help you into your First Home
Buying your first home is an exciting journey, but the process can feel overwhelming. First Home Buyers have unique needs and questions, especially when navigating the complex world of finance. This is where Linton Finance, based in Kellyville, steps in to make your experience as seamless and stress-free as possible. We understand the importance of finding the right home loan that suits your financial situation, whether it's understanding the loan to value ratio (LVR) or securing a favourable interest rate.
Linton Finance specialises in guiding First Home Buyers through the maze of home loan options available from banks and lenders across Australia. Our team of experienced Home Finance & Mortgage Brokers are experts in securing loans that meet your specific needs, taking into account your credit history and the loan amount you're aiming for. We're here to ensure you understand all aspects of your mortgage, from lenders mortgage insurance (LMI) to the intricacies of stamp duty.
For First Home Buyers, access to clear information about the First Home Owner Grants (FHOG) and how it can benefit you is crucial. Linton Finance prides itself on providing up-to-date information and support in applying for these grants, which can significantly lower the financial burden of buying your first home.
Choosing Linton Finance means entrusting your home buying journey to professionals who genuinely care about your aspirations and are committed to finding the best possible home loan solution for you. Our expertise and dedication to first-time buyers make us the perfect partner in turning your dream of homeownership into reality.
In 60 seconds, understand how much you can borrow to buy your dream home.
Initial Discussion:
Begin by having a conversation with a Linton Finance Mortgage Broker. We will aim to learn more about your goals and objectives and advise you as to whether or not we can support you achieve them and how quickly.
Fact-Finding:
We'll collaborate with you to gain a comprehensive understanding of your financial situation, including your financials, assets, and credit history. This helps determine your borrowing capacity. Our brokerage utilises Financevault and a stream of digital first assets to make this process fast, secure and seamless.
Pre-Approval:
Once you receive pre-approval, you can confidently begin bidding or making offers on properties you wish to purchase. We will explain the loan amount, interest rates (both variable and fixed), and potential interest rate discounts. We also discuss the importance of the loan to value ratio (LVR) and any lenders mortgage insurance (LMI) that may be required.
Loan Settlement:
Upon settling on the property, your Home Loan will be drawn down, and you will be all set to move forward. We will help you navigate the settlement process with your chosen conveyancer. We will also assist in calculating loan repayments and managing your loan interest rate to suit your needs.
Post Settlement:
Our work together has just begun, as part of the Linton Finance difference we support you in keeping your interest rate honest. If we feel as though your rate isn't competitive, we will reach out and advise you of the latest offers in the market or negotiate on your behalf with your bank.
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Nathan was a treat, he made the process really simple. He was super quick responding to all my questions and was able to get the loan approved for my wife and I at a rate we were happy with. Would definitely recommend
We’ve used multiple brokers in the past and Nathan has been by far the best. He was very thorough and broke things down for us, making things easy from start to finish. Highly recommend!
Linton Finance and Nathan was absolute pleasure to deal with. He helped me get the best deal which I'm very happy with. Made the process so easy and stress free. I have already recommended him to others and will do the same in the future. Looking forward to the continued partnership. Thank you
We recently engaged Nathans broker services to assist us as our main preference was not to change banks. Not only was he able to cut through the noise with the bank directly and explain our situation, he also accommodated and reviewed our existing interest rate to do better then what was offered by the bank.
Big thank you to Nathan. Such an informative and stress free experience. Highly recommend and will 100% be back.
Nathan is a gun of a broker. Took the time to understand my unique situation and came up with solutions that was relevant to me. I will definitely be using Linton Finance again.
A mortgage broker acts as an intermediary between you and potential lenders. They assess your financial situation, help you understand your loan options, and find the best mortgage rates available. We help you compare products from 30 banks and lenders, saving you time and effort, and guide you through the application process to secure the best deal tailored to your needs. As we are not tied to any particular bank we give you a biased free advice and work solely towards helping you achieve your requirements and objectives.
Yes, using a mortgage broker is often the best option for most homebuyers. Brokers have access to a wide range of lenders and can tailor mortgage options to suit your financial needs. They help save time, guide you through the paperwork, and ensure you find the best deal available based on your unique situation.
Mortgage brokers in Australia typically charge no upfront fees as they are paid a commission by lenders for securing loans. However, some brokers may charge a fee for specialised services or complex cases, so it's important to confirm fees upfront before proceeding. At Linton Finance we do not charge our customers a fee should we take you on as a customer.
All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia, Registered with AFCA and we partner with Australian Finance Group giving us the best access to technology for our clients.
Absolutely! Mortgage brokers can negotiate rates with lenders on your behalf. Since we work with multiple lenders, we have the flexibility to secure better terms and help you find the most cost-effective mortgage options available.
We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.
No, you don’t have to meet in person with a mortgage broker. We offer online consultations via Zoom and can handle the entire process remotely, including submitting documents and discussing loan options on a phone or video call. We understand that not everyone works 9-5 pm and you may have commitments such as family, sport or social outside of work. The flexibility we offer makes it convenient for you to work with us regardless of location.
It typically takes a mortgage broker 24 to 48 hours to provide you with loan options after gathering your financial details. The process may take longer if your situation is more complex or requires additional documentation. However, we work quickly to ensure you receive competitive options in a timely manner that meet you requirements.
Linton Finance Pty Ltd ABN: 30 676 911 210. Credit Representative #560299 is authorised under Australian Credit License #389087
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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