FIRST HOME BUYERS SEMINAR - SUNSHINE COAST

What every first home buyer needs to know before applying for a home loan. Clear information. Practical guidance. Better decisions. FIRST HOME BUYERS SEMINAR Every first-home buyer asks the same questions. • How much can I borrow, and do I need a pre-approval? • How much deposit do I need? • What government assistance may be available? Join us for a practical one-hour seminar where you'll gain a clear understanding of the home loan process and ask any questions you may like. WHAT WE WILL COVER How Much Can I Borrow and Do I Need a Pre-approval? It's usually the first questions every first-home buyer asks. The answer can make a real difference to your home buying journey. Many first-home buyers don't realise that different lenders may assess the same home loan application differently. Understanding your options early can help you buy with greater confidence. At our seminar you'll learn: ✔ How lenders generally assess borrowing capacity ✔ The key factors that can influence borrowing capacity ✔ When you need a pre-approval, and when you don’t ✔ Why choosing the right lender can make a difference How Much Deposit Do I Need? Many first-home buyers assume they need a 20% deposit before they can buy a home. Depending on your individual circumstances, lender criteria and available government assistance programs, you may be able to purchase with a deposit as low as 2%. In certain circumstances it is also possible to use a parental property instead of a saved cash deposit. Understanding your deposit options could mean you have more choices than you think when buying your first home. At our seminar you'll learn: ✔ Common deposit requirements explained in plain English ✔ Home loan options that may be available with different deposit amounts ✔ How you may be able to use the equity in your parent’s property to assist with home finance What Government Assistance May Be Available? Government assistance for first-home buyers can be difficult to navigate. There are Australian Government and Queensland Government programs, each with different eligibility requirements, rules and application processes. It's easy to feel overwhelmed, not know where to look or simply assume you don't qualify. The reality is that some eligible buyers may qualify for more than one form of government assistance. Our job is to make it simple. We'll cut through the confusion, explain how the different programs work and help you understand which options may be worth exploring based on your individual circumstances. At our seminar you'll learn: ✔ The main Australian and Queensland Government assistance programs ✔ Which programs may be available at the same time ✔ The key eligibility requirements explained simply ✔ Where to find reliable information and what to do next Google Reviews For Resolve Broker and presenter, Chris Betts How Your Home Loan Decisions Today Could Save You Money Over Time The home loan you choose can influence more than whether you're approved. It may also affect how much interest you pay, how quickly you repay your loan and the financial flexibility you have in the years ahead. Many first-home buyers are surprised to learn that small decisions made at the beginning of their home loan can make a big difference over time. At our seminar you'll learn: ✔ How offset accounts work—and when they may be beneficial ✔ How extra repayments may reduce the interest paid over the life of your home loan ✔ The difference between offset and redraw facilities ✔ Home loan features that many first-home buyers overlook Who Should Attend the First Home Buyer Seminar? This seminar is ideal if you're planning to buy your first home and you'd like to better understand your options before making one of life's biggest financial decisions. Whether you're saving for a deposit, already inspecting properties or getting ready to apply for a home loan, you'll leave with practical information you can use straight away. There are no pushy salespeople, no confusing jargon and no question is too basic. You'll leave with: ✔ A clearer understanding of your home loan options ✔ Practical insights that could help you avoid common first-home buyer mistakes ✔ A better understanding of government assistance and the home loan process ✔ A clear idea of the next steps that may be right for you The information provided at this seminar is general in nature and does not take into account your personal objectives, financial situation or needs. Eligibility for government assistance programs, lending approval and available loan products will depend on your individual circumstances, lender criteria and applicable program requirements.