Find and fund your first home with these useful resources

Technology is a wonderful thing that can make the process of finding and buying your first home significantly easier.

We help you take the guesswork out of the home buying process with a list of useful resources to assist you with finding and funding your first home.

Couple researching on iPad

Budgeting

ASIC – MoneySmart Budget Planner

Getting your finances in order is an effective way to see where you can lower your expenses and increase your savings. Laying out your finances clearly like in ASIC’s MoneySmart Budget Planner will help mortgage brokers or banks determine how much the bank will loan you.

https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/budget-planner

 

Australian Government – First Home Owner Grants

Find out if you’re eligible to receive the First Home Owner Grant (FHOG), depending on what state or territory in which you intend to purchase your home.

http://www.firsthome.gov.au/

 

Couple reviewing finances, calculating budget for first home

Calculators

ASIC – MoneySmart Savings Goal Calculator

Find out in just 5 minutes how long it will take to reach your savings goals and what steps to take to put your plan into action using ASIC’s Savings Goals Calculator.

https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/budget-planner

 

Aussie – Borrowing Power Calculator

Enter some basic information about yourself and Aussie’s borrowing power calculator will give you an estimate of how much you can borrow, as well as what your monthly repayments may look like.

https://www.aussie.com.au/home-loan-calculator/borrowing-power.html

 

Macquarie Bank – ‘Where Can I Afford To Buy?’ Calculator

Once you’ve been pre-approved for an amount of money by a bank, the fun begins! Macquarie Bank has a great tool to assist with finding the right location to purchase your new home within your budget.

https://www.macquarie.com/au/personal/home-loans/calculators/where-to-buy

 

Realestate.com.au – Stamp Duty Calculator

The rate of stamp duty charged for your property depends on a variety of factors. Use realestate.com.au’s handy stamp duty calculator to find out exactly how much you’ll need to pay.

https://www.realestate.com.au/calculators/stamp-duty-calculator/

 

Genworth – Lender’s Mortgage Insurance (LMI) Premium Estimator

A quick and simple tool by Genworth used to calculate Lender’s Mortgage Insurance (LMI), if you’re expecting to have less than a 20% deposit on your property.

https://www.genworth.com.au/lender/lmi-tools/lmi-premium-estimator/

 

Financial advisors discussing finances with home buyer

The resources provided in this article are designed to be used for reference only, as actual figures can vary depending on a range of aspects. For an accurate analysis of your individual financial situation, we recommend speaking with a financial expert.

 

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