Yes, we can help you buy your own home. One of TWO ways, is sure to help you. Way No. 1 Most Common . We Build or Buy houses. Then we sell them to help people who cannot get traditional loans from banks, building societies, mortgage lenders etc. We finance your loan ourselves. We act like the bank very similar to a Low Doc Loan you certify yourself as being able to afford the repayments and we offer you the opportunity of home ownership. It is a very simple process and much quicker than a bank. However we must verify your income someway to ensure you can afford the property.

We do not list houses: we are not Real Estate Agents
We do not find loans: we are not Mortgage Brokers. However we have many contacts in the Industry.

We do not have to conform to the same strict guidelines as banks, we qualify you. (However we are governed by the national credit code of Australia). You do need some sort of upfront money to get you started (although no where near as much as a bank may require), to cover your legal fees ($1650) and stamp duty (unless your a first home buyer no stamp duty is required, plus you get the First Home Owners Grant), and a regular source of income (again, we will consider people who fall outside the bank guidelines e.g. self-employed, farm workers, those in receipt of pensions, etc.). Even if your credit has issues we will still consider your application favourably . A good way for us to qualify you is to see how regular your rent payments have been.

If you are eligible, the First Home Owners Grant will certainly help you to own your home quicker, but it can not be used as a deposit.

We help people in the area from Brisbane to Gold Coast, Queensland, Australia.

We are like a stepping stone bank if you will. We can get you into a position were a traditional lender will lend to you. The idea is to after a period of time refinance you into a traditional loan if you want to. Of course you do not have to but their interest rates are lower than ours as we take on clients the banks wont , however dealing with us will change this for 99% of our clients.

We are also happy for you to stay with us for as long as you like either way the choice is yours. Typically Australian property values double every 7-10 years . The best time to get started is now the longer you wait the dearer things get .

RP Data has a chart of property prices from 2001 to 2011 which shows that Sydney Houses have risen from about $320,000 to about $580,000 in the last 10 years. Most Capital Cities show similar rises.

I remember in 1962 my parents sold our home for just over 5000 pounds(ie $10k)

it was on the market last year and sold for round $265k, so while not doubling in cost every 7 years it has certainly doubled in that 7-10 yr range.

Its always interesting to look at old newspapers, the prices seem so cheap now but at the time we wouldn't buy because they were too dear!

It's the same with real estate, it might seem dear today but you can guarantee it will be more in a few years. The house we currently live in cost $120k in 1992, it's current GV is $320

The benefits of owning over renting:

• No Landlord to Answer To – One reason many people opt to own their own home instead of renting is simply to rid them of the control that a landlord has. Want a pet dog for your daughter? When you own your home you won’t need to ask the landlord first.
• You Won’t Be Throwing Your Money Away – When you spend your money on rent, you get nothing in return. Home ownership provides you with a way to get something back for the money you spend on a place to live.
• An Investment in Your Own Future – One thing that is certain – both rent prices and home prices will continue to rise in the long run. When you own your home you won’t be at the mercy of rising rent costs, and your future will be secured with the equity in your property.
• Possibilities – The biggest reason to own your home is simply the possibilities it allows you. Money you put into the home increases its value and you’re free to decorate, renovate, and change whatever you want!

Way No. 2

If you do qualify for a bank loan but you have little or no deposit we can lend you the deposit. It will be a second mortgage that you pay alongside the main loan. We will put you in contact with our mortgage brokers who will help you with the bank loan part.

The amount of the 2nd mortgage will be 20% of the purchase price, less whatever deposit you have. Therefore you need zero (of course, you still need the normal legal fees), or $7k First Home Owners Grant, or any other amount.

Here's how it looks...

Many of our satisfied clients started out with good income and credit, but no deposit at all.