Our First Home Buyer

& Owner Occupied Home Loan Service

"Our Expert Mortgage Brokers Can Simplify The Home Loan Process For The First Home Buyers"

Are you planning to buy your first home?

Our first home buyer specialist mortgage brokers make sure that, you can take full benefit of any available government first-home-buyer grants and you don't miss out on any cost saving schemes offered by the state governments to help new entrants and investors to the property market.

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Current First Home Buyer Government Grants & Benefits 

Supporting the first home buyers

The NSW Government’s comprehensive package to improve housing affordability is focused on helping first home buyers wanting to buy an owner-occupied property, who often face stiff competition from serial property investors.  You might miss out on the available opportunities if your plan didn't include taking any of the grants or benefits. You also might have a hard time securing the loan amount you want or the home loan terms suitable for you. Call us or send us a message today to find out more about how we can arrange the right home loan fast and easy for you.

 

To support the owner-occupied first home buyers, the available grants and concessions are from January 2020:

1. No stamp duty for all homes up to $650K and land up to $350K
2. Stamp duty relief for homes from $650K up to $800K
3. $10K grant for first-home non-investment purchasers of new homes up to $600K or builders of new homes up to $750K
4. Abolish insurance duty on lenders’ mortgage insurance using FHLD Scheme for the first 10,000 approved applications

 

From 1st of August 2020, the available grants and concessions have been extended to the newly built properties parallel to the existing grants and concessions to support the construction industry post-Corvid lockdown and the owner-occupied first home buyers.

 

1. No stamp duty for all newly built homes up to $800K and land up to $400K for the first home buyers
2. Stamp duty relief for all newly built homes from $800K up to $1 Million for the first home buyers
3. $10K grant from State government for the first-home, non-investment purchasers of new homes up to $600K or builders of new homes up to $750K
4. $25K grant from the Federal government for owner-occupied newly built properties up to $750K (Does not have to be first home buyer to access this grant. As long as the property is used for owner-occupied purposes)

5. Abolish insurance duty on lenders’ mortgage insurance using FHLD Scheme for the first 10,000 approved applications. This FHLD (First Home Lmi Deposit) Scheme is only available through certain approved lenders. Out of big four, only NAB & CBA and a number of tier-1 lenders such as Bendigo Bank, Teachers Mutual bank, etc. are providing this facility.

How we help our clients?

Easy and Convenient

See the benefits of using our expert mortgage brokers for your home loan.

1. Right Loan

We find the right home loan at a great rate from a wide range of home loan offers.

2. Free Expert Advice

 

You don't miss out on any available grants or concessions for your property financing.

3. Peace Of Mind

 

Knowing that a home loan expert is looking out for the best deal for you.

4. Convenience  

 

Our brokers will come to you & take care of the application until the home loan is settled.

5. Timely Funding 

Get the home loan amount you want in a timely manner without any stress.    

6. Premium Service 

 

Most importantly you will get a five-star mortgage broking service and advice for free.   

The Documents Required For Home Loan Approvals

Documents For Employees

Identification

1. Drivers license copy

2. Passport bio-pages copy

Proof of Income & Savings

3. Two recent pay-slips from current employers

4. Salary account statement for the last 90 days

5. Savings account statement for the last 90 days

6. Notice of Assessment (NOA) from ATO

 

Proof of Expenses & Liabilities

7. Everyday account statements for the past 90 days

8. Any credit card statements for the last 90 days

9. Any car loan or personal loan statements for the last 90 days

Documents For Self-Employed

Identification

1. Drivers license copy

2. Passport bio-pages copy

 

Proof of Income & Savings

3. Business account statement for the last 90 days

4. Savings account statement for the last 90 days

5. Notice of Assessment (NOA) from ATO

6. Tax return documents of the latest year

 

Proof of Expenses & Liabilities

7. Everyday account statements for the past 90 days

8. Any credit card statements for the last 90 days

9. Any car loan or personal loan statements for the last 90 days

Documents for Company

Identification

1. Drivers license copy of directors

2. Passport bio-pages copy of directors

Proof of Income & Savings

3. Company / business  account statement for the last 90 days

4. Profit/Loss statement for 12 months  

5. Notice of Assessment (NOA) from ATO for each directors

6. Company latest tax return document

7. Company ownership-structure report from ASIC

 

Proof of Expenses & Liabilities

8. Business day to day account statements for the past 90 days

9. Any business finance statements for the last 90 days

10. Any business related asset finance (eg. car loan or equipment loan etc.) statements for the last 90 days

We can help...

Call us on 0468 702 672 or 0468 424 315 or 0430 362 226. We will answer all your queries instantly or ASAP.

Call 0468 702 672

Book an appointment online instantly and one of our expert mortgage brokers will be in touch with you regarding your finance.

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Tools & Guides

Come and visit us at our office close you. We have a number of offices and mobile mortgage brokers across Sydney.

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Available Home Loans For First Home Buyers 

Your Financing Options

When it comes to finding a mortgage, the possibilities are endless. However, being overwhelmed by mortgage choices doesn’t mean you should take whatever is offered to you first. Contact us for more information about different types of mortgage loans and we’ll be happy to explain them and help you find one that suits your needs and preferences best.

Variable Rate Mortgage

The Right Loan for You

The variable rate mortgage is very popular in Australia. Golden Key Mortgage & Finance finds its clients among the most competitive interest rate loans in the real estate market. We would be happy to discuss the details of the variable rate mortgage and customise it in order to suit your specific needs and financial situation. Are you wondering that if you have a good rate? Contact us to find out if you’re eligible, and whether this would be a good fit for your needs.

Fixed Rate Mortgage

A Brighter Future

It’s easy to get lost while navigating all the different types of loans available for home buying. The Fixed Rate home loan could be the right one for you, but it’s important that clients understand all implications before signing something they could later regret. Contact us now in order to discuss the benefits and disadvantages, and together we’ll decide whether this is the right mortgage for you.

Split Rate Mortgage

Prospective Property Owners

We have been helping clients around Sydney area with their real estate investments. The Split Rate Mortgage is popular for some, but may not be appropriate for everyone. Call us to learn more about the implications and to find out whether this would be a good mortgage for your financing needs. We will provide all the necessary information for you to make an educated decision so that you can relax knowing that, you made the best decision.

Interest only Mortgage

Savvy Property Investor

You repay only the interest on the borrowed amount usually for the first one to five years of the loan, although some lenders offer longer terms. Your monthly repayments are lower because you’re not paying off the principal. At the end of the interest-only period, you begin to pay off both interest and principal. These loans are especially popular with investors who plan to pay off the principal when the property is sold, having achieved capital growth.

Low Doc Mortgage loans

Loan for Self Employed

Low Doc home loans are designed for self-employed people who don’t have all the financial documents providing proof of income usually required to secure a home loan. The low-doc mortgage loan can be both variable and fixed rate home loan. Navigating a path through the mortgage maze can seem confusing – especially with so much document required by different lenders. Golden Key Mortgage brokers in Sydney will help you along the entire process.

Other Common Mortgage types

Seasoned Property Owners

There are so many other types of home loans available in the market catering to different kinds of home loan borrowers. The following loans are very specific and suits borrowers with certain circumstances such as Construction Loans, Introductory Rate Loans, Bridging Loans, Line of Credit / Equity Line, Reverse Mortgage etc. Call a Golden Key Home Loan Broker in Sydney today and take the guess part, out of your mortgage financing plan.

Contact us for more details about the types of loans we offer our clients.

Are you a first home buyer? ​Our Expert Mortgage Brokers Can Simplify The Home Loan Process For The First Home Buyers. Our first home buyer specialist mortgage brokers make sure that, you can take full benefit of any available government first-home-buyer grants and you don't miss out on any cost saving schemes offered by the state governments to help new entrants and investors to the property market.     Simply talk to us or book online for a premium mortgage broker service for free.

Mob: 0468 702 672,

0411 715 426, 0430 362 226

Main Office: Suite 16, 168-176 Haldon St, Lakemba - 2195, Sydney, NSW, Australia

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©2020 by Golden Key Mortgage Australia. All rights reserved.

Goldenkey Property Pty Ltd, ACN 621 050 020.