First home buyer mortgage broker
Rates have never been lower. See what you can save by refinancing your home loan to a lower rate through AA Finance.
Why do you want to refinance?
Pay less each month
A lower interest rate can help reduce your monthly repayments and free up cash flow each month. See how you can pay less on your home loan.
Pay off loan sooner
There are a number of ways you can shave years off your loan and be debt free sooner. Find out how much you could save.
Get cash out
Accessing equity in your home loan can free up cash you could use to do repairs, renovate your home, or buy another property.
Consolidate debt
Combining debts like credit cards, personal loans or car loans into your home loan can reduce the total amount of interest you pay.
Find out more about switching to a better home loan
Why to refinance?
How refinancing can save you money
With home loan rates at a historical low, chances are you could save serious cash by refinancing.
Why should you refinance your home loan?
Refinancing can help you take control of your finances when your life takes an unexpected turn.
Home loan transfer and portability
If you’re moving home, you could have the option to take your home loan with you.
Refinancing alternatives and options
Refinancing not an option for you? There are other ways that can help you save money.
How to refinance?
Home loan refinancing checklist
Wondering what refinancing can involve? Check out our handy checklist.
Refinancing with a mortgage broker
Find out how an AA Finance Broker can help you refinance your home loan.
Home loan refinancing timeline
Refinancing may sound like a hassle, but we’ve made it a simple five-step process.
Refinancing documents and paperwork
Paperwork is key to refinancing. Here’s an idea of what you’ll need.
First Home Buyer
If you are buying your home for the first time and looking for the best mortgage broker in Perth, here are some information you should know.
The Australian government has created the first home owner grant (FHOG), to help first time home buyers in Perth and through Australia fund their first home. This grant is a one-off $10,000 payment to assist first time home buyers’ mortgage to buy a new or an older home that has been thoroughly renovated as their primary place of residence.
Eligibility
To be eligible, you must have never owned residential property anywhere in Australia before 1 July 2000. and each applicant must be a person and not a company or a trust. One of the applicants, if in joint name must be an Australian citizen or permanent resident at the date of lodging the application. For full eligibility requirements, please visit the First Home Owner Grant page.
The application for the grant has to be submitted within 12 months of the completion date. This eligibility may vary by the type of transaction, such as if you are purchasing a new home, if you are constructing a new home or if you are an owner builder. The type of transactions can be viewed here.
Home Loans
First time home buyer loans allow you to purchase a home with only a 2% deposit with the rest on loan. However, most lenders will require a minimum of 20% deposit if you are looking to waive the Lender’s Mortgage Insurance (LMI). Some professions may qualify for a lower deposit amount without having to pay the Lender’s Mortgage Insurance. First home buyers who qualify for the First Home Loan Deposit Scheme may have Lenders Mortgage Insurance (LMI) waived.
Home loans are available in fixed, variable and split interest rates, some lenders also have offset accounts available for customers looking to lower their interest over time.
Speak To Us
As a first home buyer, we are happy to help you reach your financial goals, so you can move into your home sooner. AA Finance Solutions are one of the top mortgage brokers in Perth, bringing to the table more than 30 years of experience in the industry.
Our relationships with bank managers allows us to offer custom tailored solutions on top of what is publicly offered. If you are in need of home loans, feel free to reach out to us at [email protected] or call 0433 068 970 (Leo).
Why choose AA Finance?
- Award-winning finance broker with years of experience and expertise in lending.
- Knowledgeable staff that will find the right loan for you – no matter what your needs are.
- Competitive rates and options to suit your needs – we have a range of loan products to choose from, all of which we tailor specifically for you.
- Simplified process that is easy to understand – our team understands the importance of making mortgage planning simple and straightforward for you!
Let us help you get started
Give us a call
We have the experience and knowledge to help you through the process, and get you to your goal as soon as possible.
Meet with us
Come talk to us about your loans and circumstances. We can help assess what you need and recommend a plan of action.
Drop us a WhatsApp message
Connect with us through Whatsapp
