Don't know where to start?

  • Congratulations for starting!
  • You’re in the right place
  • Helping first home purchasers
  • Advice for existing property owners
  • There are no silly questions
  • All your options explained
  • We will help you understand
  • Best solution for you will be found
  • It’s easier than you think
  • Just get started

The fact that you are right here, right now, means it is a great moment in time! You deserve a pat on the back for making a decision to get started. If you are a first timer, don't worry, everyone that started out buying their first property was in exactly the same boat you are in now! Help is at hand.

We know that finance options can be confusing, so if you already own a property and want to understand how to Refinance your existing home loan, or you want to buy an investment property, then you're at the right place.

Purchasing a property or refinancing is exciting and worthwhile, and it doesn't need to be complex or difficult. We know that you just need further assistance to get to understand how it works - and this is where we will gladly help you in every step of the way to help you understand what your finance options are.

The steps we recommend you take are as follows:

If you prefer to have one of our professional brokers explain your options, then don't hesitate to contact us straight away. If you would like to do a bit of preliminary research, then we recommend the following steps:

  1. Use this site to get an initial understanding of the basics of home loans and write down any questions (there are no silly questions!) that you want to ask or want more information on. This includes having a look at the different types of loans available, getting the right home loan and the First Home Purchaser section if this is your first property purchase.
  2. Have a play with the loan calculators and read the How Much Can I Borrow? section to get a feel for what you can borrow.
  3. Enquire or call us when you are ready. 

The best advice is just to get started...you don't need to wait any longer to have a professional Time Finance Mortgage Broker listen and understand what you want. Enquire or call us now and we will quickly get the real facts and options that are available to you so that you can get on with having a great time!

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FAQs
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Depends on the size of your deposit, the value of the property, and your servicing capacity (based on your income and how much you are able to repay).

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Most mortgage lenders will require a deposit of 20% or more of the property price. Less may be required however will require mortgage guarantee insurance in most cases

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Depends on the type of loan, intrerestr rate, payment term, and whether you pay monthly or fortnighly. Use us mortgage calculators to guide you.

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Every state is different and may depend on the value, whether you are building or buying an established home. Read more in our FHOG article

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It is a rate that includes both the interest rate and the fees and charges relating to a loan, combined into a single percentage figure that lets you compare loans from differengt lenders on a fair comparison.

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This 'in principle approval' is usually valid for 3 months. Gives you the confidence on how much you can borrow before your purchase a property.

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The cost of Stamp Duty varies between States and Territories. Subject to your personal loan circumstances, the cost of stamp duty can be included in the loan amount you borrow.

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Until you value yourself, you won't value your time. Until you value your time, you will not do anything with it

M. Scott Peck

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