Buying a home is one of the biggest and most complex financial decisions most of us make in our lifetime. There are so many things involved in the home buying process and many serious decisions to be made.

Apart from choosing the right home or finding the right block of land to go with your plan, one of the most important part of the home buying process is finding the right home loan to suit your needs.

Unfortunately many home buyers do not realize the importance of shopping around to get the best loan for them. Many people still follow the traditional way of going to the closest bank and get the loan recommended by the bank. Most of these people do not realize that they can save thousands of dollars over the life-time of their loan if they find the right loan product to suit their needs and future plans.

However the situation is changing dramatically. Today in Australia nearly 40% of home loans are done through the Mortgage Brokers and the numbers are rapidly increasing. There are thousand of different loan products from different lenders and without a qualified mortgage broker with proper systems and tools, it is almost impossible for an ordinary individual to manually analyze all the options available to them.

At Ezyrate we are dedicate to help the first home buyers and we also provide lots of extra services free of charge for first home buyers.

Find out why you should contact Ezyrate.

Find out how much you can borrow before you buy!
Finding the right property can be a long process but when you do find it, being in a position to purchase immediately can be the difference between securing your dream home or spending another weekend on the open home trail, unless of course you have a home loan pre-approval.

What is a home loan pre-approval?
A pre-approval is similar to full finance approval except that the property you intend to purchase has not yet been determined.

It is a commitment from the lender as to how much they will lend you when you are ready to purchase.

Why should I pre-approve my finance?

Peace of mind
You will know exactly how much you can spend before you buy.

No time wastage
When you find the right property you are in a position to act quickly.

Better bargaining power
A pre-approval may help you negotiate a better price with seller in the event there are less conditions on the sale.

Ability to bid at Auction
A pre-approval allows you to bid at auction under the conditions of a cash contract Call us and one of our accredited mortgage consultants will answer any questions you may have. Here are some questions you might like to ask that will help you get the most out of your consultation:

• How much can I borrow?
• What will my repayments be?
• What fees and charges apply for my loan?
• What government charges apply (eg Stamp Duty)?
• What is mortgage insurance and will I have to pay for it?
• If I’m building, do I still qualify for the First Home Owners' grant?
• What is the best type of loan for my situation?
• How do I fill out the application form?
• Do I need insurance with my home loan?

At Ezyrate we are dedicate to help the first home buyers and we also provide lots of extra services free of charge for first home buyers.

Find out why you should contact Ezyrate.