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It’s a big decision, so it’s good to have someone there to help you make the right one.

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We’re here to help

Buying a home is one of the biggest things you’ll do in life. We’re here to help you by making sure you have the info and options you need to find the finance solution you’re looking for (for the house you want).

There are so many home loans to choose from, with new ones always being introduced, not to mention special offers and other ‘deals’. As a broker, we’ll not only help you find a loan that suits your particular needs, but we’ll also help you complete the paperwork and submit the application for you.

It’s why over 70% of Australian borrowers now use a broker to secure a home loan. Before you use a broker you might like to get a better understanding of what’s available by visiting our Different Loan Types page.

If you want to get a better idea of your borrowing power and what your likely repayments might be, try out our Online Calculators.

At anytime on your home buying journey, feel free to give us a call or email us and we’ll do everything we can to make it easier for you.

Six tips for home buyers

Define your budget

  • Determine how much you can afford by assessing your financial situation, including your income, existing debts, and future expenses.
  • Consider additional costs like council rates and strata fees, home insurance, maintenance, and potential renovations.

Research the neighbourhood

  • Investigate the neighbourhood where you plan to buy. Look into safety, schools, amenities, proximity to work, public transportation, and shopping centres.
  • Visit the neighbourhood at different times of the day to get a sense of the environment.

Get a home inspection

  • Hire a qualified building and pest inspector to evaluate the condition of the property. This can help identify potential issues with the home’s structure, plumbing, electrical systems, and more.
  • The inspection report can provide valuable information and may be used in negotiations with the seller.

Understand the terms of the mortgage

  • Understand the difference between fixed-rate and variable-rate mortgages and choose the one that aligns with your financial goals.
  • Be aware of additional costs like discharge (closing) fees and consider getting pre-approved for a mortgage to strengthen your negotiating position.

Consider future resale value

  • Even if you don’t plan to move anytime soon, it’s essential to consider the home’s resale value. Choose a property that has the potential to appreciate in value over time.
  • Research the real estate market trends in the area to gauge its long-term stability.

Negotiate effectively

  • Feel free to negotiate with the seller, especially if the inspection reveals issues that may require repairs.
  • Be clear about what repairs or improvements you expect the seller to make before closing, and ensure these terms are clearly outlined in the purchase agreement.

FAQ

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Whatever your circumstances, we will find the deal that’s right for you.

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Have other questions that need an answer?

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How do I know how much I can afford to borrow?
Start by looking at your income, existing debts, and everyday expenses, then factor in the extra costs of owning a home like council rates, strata fees, insurance, and maintenance. Our Borrowing Power Calculator gives you a quick estimate, and Andres can help you get a clearer, more accurate picture based on your full financial situation.
A broker like Andres compares options across a wide range of lenders rather than just one, helping you find a loan suited to your specific needs. Guzman Finance also handles the paperwork and manages the application on your behalf. It’s why over 70% of Australian borrowers now choose to use a broker rather than go direct.
A fixed-rate loan locks in your interest rate for a set period, so your repayments stay the same regardless of market changes. A variable-rate loan moves with the market, meaning your repayments can go up or down over time. The right choice depends on your financial goals and how much certainty you want in your budgeting.
It’s strongly recommended. A qualified inspector can identify issues with the property’s structure, plumbing, or electrical systems before you commit. The inspection report can also be a useful tool if you need to negotiate repairs or a lower price with the seller.
Yes, pre-approval gives you a clear sense of your budget and strengthens your negotiating position once you find a property, since sellers know you’re a serious, finance-ready buyer. Keep in mind pre-approval isn’t a guarantee of final approval, and it’s worth checking on any associated fees with Andres.