Access Home Loan Options, First Home Owner Grants and Incentives while we guide you throught he process. Get help from an experienced Finance & Mortgage Broker at Pavé Financial Solutions today!
Rated 5 from 121 Reviews
Buying your first home is a significant milestone and can be both exciting and challenging. At Pavé Financial Solutions, we specialise in assisting first home buyers across Australia, including Brisbane, to make informed and confident decisions. Our expertise in the property market helps you access Home Loan options from banks and lenders nationwide, ensuring that you find the right fit for your financial situation and long-term goals. Whether you're just beginning to explore buying a home or are ready to apply for a home loan, we are here to guide you through every step of the process.
When buying your first home, understanding your borrowing capacity is crucial. We help you assess your financial situation by reviewing bank statements and credit history to determine the most suitable loan amount. This evaluation is essential to check eligibility for first home owner grants (FHOG) and potential lenders mortgage insurance (LMI) waivers, which can substantially reduce costs. We also provide insights into the loan to value ratio (LVR), which can influence your eligibility for interest rate discounts and other benefits. Our comprehensive approach ensures that you are well-prepared when applying for a home loan, maximising your chances of securing favourable terms.
Interest rates play a pivotal role in your home loan journey. At Pavé Financial Solutions, we offer guidance on choosing between variable interest rates and fixed interest rates, helping you understand their implications on your finances. We ensure that you can access interest rate options from banks and lenders across Australia, tailored to your preferences. Our team provides clarity on how these rates affect your loan repayment strategy, including the advantages of having an offset account to reduce interest over time. Our goal is to empower you with the knowledge needed to make informed decisions when buying your first home.
The application process for a first home loan can seem overwhelming, but it doesn't have to be. With our streamlined application process, you’ll find it easier to apply for a home loan and get pre-approved. This pre-approval not only boosts your confidence as a buyer but also strengthens your position when negotiating property prices. We assist with every aspect, from understanding stamp duty obligations to exploring investment loan options if you're considering your first investment property. Our experience in the property market ensures that whether you're buying a home to live in or as an investment, you have access to banks and lenders nationwide, offering the best possible terms.
In your journey of buying your first home, Pavé Financial Solutions is committed to providing the support and expertise you need. We simplify the complexities of accessing Home Loan options from banks and lenders across Australia, ensuring you’re equipped with all necessary information about interest rates, eligibility checks, and application processes. Take the next step towards owning your first home with confidence. Contact us today to explore how we can assist with applying for a home loan tailored to your needs and aspirations.
Initial Home Loan Appointment
Begin by having a chat with one of our qualified Finance & Mortgage Brokers. We will take the time to understand your situation, including special policies you may be eligible for. We will also discuss the loan types and Home Loan options from banks and lenders across Australia, guiding you through the next steps of the application process.
Home Loan Fact-Finding
We will 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. We will review your bank statements and other relevant documents to provide accurate advice.
Home Loan 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.
Home Loan Settlement
Upon settling on the property, your loan will be drawn down, and you will be all set to move forward. We will help you navigate the settlement process. We will also assist in calculating loan repayments and managing your Home Loan interest rate to suit your needs.
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Robert Thorne
Patrick and the team at Pave Financial have been absolutely outstanding to deal with. They made getting finance so simple and easy and communicated well every step of the way. I would highly recommend them to anyone seeking finance solutions! A big thank you for all of your help and support.
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Tony Thorpe
Patrick and the team at Pave were so professional and responsive and we got a great outcome very quickly. Thanks for helping make our dream a reality.
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Zac Fields
Patrick and his team at Pave have been fantastic to work with. I was initially referred to them by family and can see why, they are attentive, fast moving and always up for a chat to help explain or readjust. Would certainly recommend chatting with Patrick and the team for all your borrowing needs.
Mortgage Brokers are there to help you find the right loan whether it be from the Major Banks, Smaller Lenders, Non-Banks, Private Lenders and Fintechs or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.
We are a full-service Finance Brokerage offering so much more than just Home Loans! We have expertise across Investment Loans, Construction, First Home Buyers, Finance for Medical Professionals, Business Lending, Commercial Property, Development Finance, SMSF lending and Equipment Finance for trucks, trailers, cars and yellow goods.
Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan or a Commercial Loan. We always look for the most competitive deal for our clients but we also understand that there are other important considerations to factor in to the decision-making process and will help you understand these in making our lender recommendations.
We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.
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.
All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.
Pavé Financial Solutions Pty Ltd ABN: 31 654 468 603. Credit Representative #538159 is authorised under Australian Credit License #517192.
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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