Buying your first home

Knowing where to start is hard we have you covered

 Planning to buy

At Beluga Financial we help you plan today to save you time and money in the long term. But also give you the confidence during the search process for your new home.

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We work out how much you can borrow based on your income and expenses. Decide how much you are comfortable paying then help you determine if you are eligible for any grants (first home buyer grant, first home super saver and stamp duty concessions) . Work out your upfront costs (legal and stamp duty) and determine the deposits you need.

This way you can focus on looking for a house that is within your budget

 Finding the right home loan for you

Our goal is to help you to find the right home loan that suits your needs

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We offer different home loans types and help you choose the one that offers the flexibility that you need.

  1. Fixed rates, so you always know how much you will pay for a period of 1-5 years

  2. Variable rates, so you can get flexibility with a wide range of benefits and features such as offset accounts

We also help you to choose the repayment options that best suite you

  1. Principle and interest so you can pay your loan balance and its interest

  2. Interest Only where you pay just the interest on the loan for a limited time

 Approvals and Settlements

We are with you through the whole approval process

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We help ensure you get conditional pre-approvals so you can shop around with confidence.

Once you have found your dream home we submit your home loan application. Review them for necessary checks and let you know if your loan is approved.

We arrange the settlement date with your solicitor/conveyancer and you can settle and move in

We ensure the settlements happens so you don’t have to worry.

 Making your loan work for you

We understand circumstance change and we help you manage your home loan as they do we can help you to

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  • Change loan types

  • Change your repayments

  • Redraw additional payments

  • Help to finance your next property

At Beluga Financial we are not the banks we strive to ensure you can meet your financial goals if your circumstances change