Buying Property

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Buying Property

There are many things to consider when buying your first home. Researching the market in advance can save you a lot of time and effort. One of the first things you need to do is to determine how much you can borrow. There is really no point in looking at properties you can’t afford. We recommend that you obtain a pre-approval loan for your finance prior to making an offer on a property.

In preparation for obtaining your loan finance, you will need to do a budget based on your own monthly living expenses and provide evidence of these expenses. With the purchase of a property, you also need to consider other related costs like government stamp duty, government registration fees for a mortgage, moving costs and Solicitor / Conveyancer costs. Allegiance Home Loans can help sort out the numbers for you and provide a Budget checklist for your completion.

Stamp duty concessions

Buying a home in Australia attracts a stamp duty tax which varies from state to state. The amount is calculated based on the purchase price of the property. If you are a first home buyer, you may be eligible for rebates, concessions or exemptions. You will need to refer to the relevant state government website.

Allegiance Home Loans can assist you with finding this information and also your own Solicitor / Conveyancer is able to help.

First home owner grant

First home owner grant is available to people building or buying their first home, this varies from state to state. It is designed to help first home buyers enter the property market. The benefits may include discounts on the state government stamp duty and a payment from the government for your grant application. There is a strict qualifying criteria for these grants which can be found on the relevant state government website.

Generally, the application form for the grant is lodged when you sign and return your loan documents and we will lodge with the lender for processing.

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