Construction & Building Finance Perth

👉 Want to know how to buy your First Home, from A to Z ???🏡

It’s simple, reach out and let me know your best contact details...

I will then guide you through everything else and make the whole process as simple as possible for you....

In as little as 30minutes we can work out:
1. Your borrowing capacity
2. Deposit required
3. Bank options and interest rates
4. Repayments
5. House and land or Established Home

So contact me now, or share with someone that may need some help.

🤥📝 First Home Buyer Cheat Sheet: 10 Tips To Buying Your First Home

So you’re going to take the plunge into real estate ownership. Congratulations! 🏡

You’ve just made a smart decision in securing your financial future.

Let me help you with my top 10 tips for buying your first home.

1. Decide what you can afford
Take a look at your salary, debt levels, cost of living and the repayments you’d face on your ideal property. Be honest with yourself about lifestyle costs so you don’t over-stretch yourself.

2. Get your finance pre-approved
Do this before you start looking. Don’t risk missing out on a great property because you haven’t got your finance organised. Shop around too as the banks are offering some very competitive rates right now!

3. How to buy where you want for less
Take a look at the neighbouring suburb. It might be a five-minute walk away but often so much cheaper. If you can’t afford your favourite area, consider what you like about it and seek the same in another region.

4. Top features to look for
Major items to look for include a quiet suburban location away from major roads and traffic noise, lots of natural light, close proximity to shops and transport, a good floor plan, good internal size (apartments)/land size (houses) and ideally, off-street parking. Your first property purchase will not be your last, so be willing to compromise on the smaller things but not the headline items above.

5. Properties to avoid
Company title apartments often have by-laws restricting owners’ rights to rent their apartments. This might not matter right now, but if you ever want to rent it out or sell it later, company title could be problematic. Stick with strata apartments – there’s plenty around. Also avoid new apartments in inferior locations. They’re often keenly priced because the developer bought the site cheaply.

6. Recognising potential
It’s really off-putting to walk into a dirty, untidy property. But stop yourself and try to see past the mess. How would it look with new paint and carpet and a professional clean? A poorly presented property in a good location is a gift for budget-conscious buyers as you’ll face less competition.

7. Buying at auction
You can make an offer prior but you risk paying more than you need to. Pre-sales usually occur when there is lacking interest or when one buyer is offering a lot more. Plan your walk-away price and attend some auctions to experience the atmosphere and observe a few bidding strategies. Organise contract amendments beforehand in writing. If you really don’t want to bid yourself, you can authorise someone else to act on your behalf.

8. Bidding at auction
If you’re going to start the bidding, start low. Project confidence and make the other bidders think you have no limit. Make your bids fast and assertive. Agonising over your next bid is a sign of weakness. Call out your offer in full (that is, say “$ 350,000” instead of the increments, such as “$ 5000”). If it’s going to pass in, make sure you’re the highest bidder as you’ll usually be given first right to negotiate afterwards. Stick to your walk-away price. Short-term disappointment beats long-term remorse!

9. Buying via private treaty
Don’t offer the most you can first-up, as vendors will always assume you can do better. Put the offer in writing and mention your pre-approved finance. To make it more seductive, sign a contract and attach a deposit cheque. If it’s rejected, look for ways to help the vendor. Offer a shorter settlement or early release of the deposit if they accept the price. After one or two rejected offers, try offering an odd number such as $ 337,500 instead of $ 340,000, as it implies you’re stretched to your financial limit.

10. Get a pest and building report
I strongly recommend this but there are also ways to identify major defects yourself. These include checking the power board in the electricity box to see how old it is; checking for sagging floors; and looking for water stains on the ceilings or dark stains around the skirting boards, which could indicate leaks or rising damp. Also, turn on a tap to check the water pressure.

Good luck!

Source: John McGrath – Switzer Published: Wednesday, November 16, 2011

Great advice from a leading real estate agent. It is really important to understand the cost involved in buying a home. We are offering you a free assessment which will provide you with a finance recommendation (comparing all the major banks and other leading lenders) and a total cost analysis to ensure you know all the ins and outs when buying.

Click on the 'Message' button above and request a chat today!

🤷‍♂️ Who’s your First Home Buyer’s Coach?

Who is going to help you through the whole process of buying your first home? 🏡

It can be extremely daunting and stressful if you don’t have an expert there to help. 👇

- How much can you borrow?
- How much savings do you need?
- Is your Credit file ok?
- House and Land OR Established?
- What Government Grants do you qualify for?
- Who is your Settlement Agent and what do they do?
- How do you complete a purchase Contract?
Etc….

Having a great plan and being pre-qualified is the key to a great home buying experience 😁

With a great plan, you will know what you need to do and when? If your ready now, in 3 months, 6 months or 12 or longer?

So probably best you had an expert help you with All of this and more BEFORE you Start the journey❓❓

If you want a great plan and experience to help you purchase Your First Home, contact me now and let me Coach you through the process👍🏡

It was another great afternoon and evening celebrating excellence in our industry at the MFAA WA State Excellence awards.

Was great to have Elite Finance Australia earn another great Finalist Award!

Thanks to our amazing customers, brokers and admin at Elite Finance, referrers and family.

🔥 Testimonial/Review 🔥 📝🏡

Another great testimonial from First Home Buyers!

The team at Elite Finance and I, enjoy helping home buyers make their dreams come true.

We make it as simple and easy as possible for you. Answering all of your questions along the way.

Please see the Testimonial attached below 👇

🙌”Absolutely stoked att all the work Matt and Jaime @ Elite Finance have done for us!!

It’s been life changing.

Thank you so much for making our dream a reality.

Can’t say enough - They are simply the best business in ALL WA! “

🤜 Great jersey also mate 🏀 👍

🔥 Testimonial/Review 🔥 📝🏡

A great testimonial from First Home Buyer James!

The team at Elite Finance and I, enjoy helping home buyers make their dreams come true.

We make it as simple and easy as possible for you. Answering all of your questions along the way.

Please see the Testimonial attached 👇🙌🏡