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First home buyers 

If you are ready to stop renting and get into your own home, CPA Homeloans can help cut through the mortgage jargon and find the loan that best suits your needs.  

 

Buying your first home is a major milestone in your life but does not need to be stressful or confusing. We have several options for first home buyers which can make the purchasing process easy and affordable. 

Next steps: 

  • Click here or call 02 8572 5317 to book an appointment with an accredited mortgage consultant.  
  • Take a look at our First home buyers guide below - it’s filled with tips to simplify things. 


First home buyers guide 

 

The Federal Government has extended the First Home Owners Grant Scheme Boost for six months from 1 July 2009 to 31 December 2009.  

For established homes, customers must enter into the contract no later than 30 September 2009 to receive the $7,000; customers entering into a contract from 1 October 2009 - 31 December 2009 will receive a $3,500 boost payment  

For new homes, customers must enter into the contract no later than 30 September 2009 to receive the $14,000 and customers entering into a contract from 1 October 2009 – 31 December 2009 will receive a $7,000 boost payment.  

There are two eligible transactions under the new home scenario: 

  • For construction loans where a building contract has been signed, building must commence within 26 weeks and the construction must be completed within 18 months.  
  • For off the plan purchases the contract must be signed on or before 30 September 2009 to receive the $14,000, on or before 31 December 2009 to receive the $7,000. Construction work must be completed on or before 31 March 2011.  

The FHOB will not be means-tested; as well as no restriction on purchase price or construction cost of the property.  

 

For more information on how CPA Homeloans can help with your first home loan and the FHOB please contact us on 02 8004 7950 

We understand that buying your first home is a big step. To make it stress free we've put together some ideas to help you. Our consultants will also guide you through the process. other elements include: 

 

  • Family guarantee : A family guarantee allows certain family members to use the equity in their home as additional security for a portion of your loan amount.  

This means you may be able to buy a property sooner, avoid paying the premium for Lenders Mortgage Insurance and maximise the amount you can borrow. 

 

  • First Home Owners Grant (FHOG):Detailed information about the FHOG for each state and territory is available from www.firsthome.gov.au  

 

  • Stamp duty waivers or concessions : Stamp duty is payable on your mortgage loan and property purchase. Rates will vary from state to state and most states offer concessions for first home buyers. 

 

Detailed information about the duty concessions for each state and territory is available from www.firsthome.gov.au  

Tools for first home buyers
Inspection checklist
Moving checklist
Application process 



 

Lenders

CPA Homeloans  is accredited with the following organisations: 

  • AAA Mortgages 
  • Adelaide Bank 
  • AMP Banking 
  • ANZ  Bank 
  • Ashe Morgan Commercial 
  • Australian First Mortgage 
  • Australian Life Insurance 
  • Banksia Financial Group 
  • BankWest 
  • Bluestone 
  • Challenger Mortgage Management 
  • Challenger Financial Services 
  • Citibank 
  • CBA-Colonial 
  • Commonwealth Bank 
  • GE Money 
  • Genworth Financial 
  • Heritage Building Society 
  • Homeloan centre australia 
  • Homeside Lending 
  • Howards Mortgage Management 
  • IMB Bank 
  • ING Direct 
  • La Trobe Financial Services 
  • Liberty Financial 
  • Macquarie Bank 
  • Merchant Mortgages 
  • Paramount Mortgage Services 
  • Pepper Home Loans 
  • Provident Inventory Finance 
  • RBS 
  • Resi Homeloans 
  • St George Bank 
  • The Rock Building society 
  • Suncorp-Metway 
  • Vision Equity Living 
  • Westpac Banking Corporation 
  • Wide bay Australia 
  • Xplore 

 

 



 
 

 

Contact details:

Ph: 02 8004 7950 

Mob: 0419 209 750 

Fax: 02 8572 5317 

E:gperf@cpahomeloans.com.au 

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