MortgageSMART™Buying a property
General information only — illustrative modelling, not credit assistance or an offer of finance. Actual outcomes depend on your circumstances, lender policy, rates and fees.
Almost every home buyer is handed the same loan: the biggest one they qualify for, written out over the longest term available. It gets you the keys — and it quietly decides the next thirty years.
We'd rather set your loan up around the day you own the place outright, then work backwards. Same house, same keys, a very different finish line.
Where you're at
Pick the closest match — the steps change a fair bit between them.
Buying your first home is a milestone, and the process is far less mysterious once someone lays the steps out in order.
We start by looking at your position — savings, income and commitments — so you know your realistic budget before you fall in love with a listing. Then we check which government schemes you may be eligible for, get you pre-approved so you can make offers with confidence, and stay with you through offer, formal approval and settlement.
The steps
No surprises, no guessing what comes next. This is the same sequence we walk every buyer through.
Savings, income, commitments and what you can comfortably repay — not just what a calculator says you can borrow.
Grants, stamp duty concessions and deposit guarantee places change regularly. We check what currently applies to you.
A conditional yes from a lender, so your offer is taken seriously and you know your ceiling.
The fun part. Building and pest, settlement dates and conditions all go into your offer.
Valuation, contract and final checks. We chase the lender so you're not the one waiting on hold.
After settlement we keep reviewing your rate and structure so the loan doesn't quietly drift back to 30 years.
Client results
Names changed for privacy. The figures come from the files themselves and depend on individual circumstances, lender criteria and rates at the time.
First home buyer
Told by his own bank he needed an unachievable 30% deposit. He bought with 10% — and the area doubled in value within a year.
Back to home ownership after bankruptcy
After a Part IV bankruptcy they thought they'd be stuck renting for good. They went from $450 a week in rent to $250 a week on their own home.
Plan it out
Answer a few questions about the property you have in mind and we'll show you what the numbers look like — deposit, repayments and the payoff timeline.
Two minutes · no documents · no credit check
Book a complimentary video call and bring your questions. No obligation, no pressure.
Video, phone or email — whatever suits you.
Good to know
It depends on the lender, the property and your situation. Many lenders look for around 5%–20% of the purchase price plus costs, and a deposit under 20% usually means lenders mortgage insurance or a government guarantee scheme. We'll show you the options that fit your position.
Pre-approval is a lender's conditional indication of how much it may lend you. It typically lasts around three to six months and is not a guarantee — the property, valuation and your circumstances still need to check out at full approval.
There are federal and state schemes for eligible first home buyers, including grants, stamp duty concessions and deposit guarantee places. Eligibility rules change, so we check what currently applies to you before you plan around it.
Often yes. Depending on your equity and income there may be options such as bridging finance, buying subject to sale, or keeping your current home as a rental. Each has different costs and risks, which we'd walk through with you.
Construction loans usually draw down in stages as the build progresses, with interest charged only on what has been drawn. Lenders assess the land and the fixed-price building contract together.
Our brokers live and work in Australia, just like you.
Video, phone and email — wherever you are, whenever suits.
Your private information stays private.
We keep reviewing your loan with the lender long after settlement.
What clients say
Read what Emanate Finance clients say in their own words on the Google profile.
Read the reviews on Google