First home buyer Loans
Thinking about buying your first home? Discover how CastleKey Mortgages helps Gold Coast first homebuyers secure the right loan and access government grants.
Buying your first home is a big milestone—and CastleKey Mortgages makes it simpler for Gold Coast buyers. From borrowing power checks to First Home Owner Grant guidance, we help you understand your options and compare loans from leading lenders. Whether you’re looking in Surfers Paradise, Broadbeach or Southport, we’ll guide you through every step so you can purchase with confidence.
Key Features:
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Borrowing Capacity Assessment
Understand how much you can borrow based on your income, deposit and expenses. -
Access to First Home Owner Grant & Stamp Duty Concessions
We help you apply for Queensland’s first home benefits and reduce upfront costs. -
Loan Comparison Across Multiple Lenders
Compare fixed and variable rates, offset accounts and redraw facilities. -
Pre‑Approval Support
Get pre‑approved so you can make offers with confidence.
Considerations:
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Deposit Size & LMI
A smaller deposit may mean paying Lenders’ Mortgage Insurance—plan ahead. -
Government Schemes & Eligibility
Timing matters for grants and concessions—know what you qualify for. -
Loan Features vs Interest Rate
Offset accounts and redraw options can save you more than a low rate alone. -
Extra Costs Beyond the Loan
Budget for conveyancing, inspections and moving expenses.
Role of a Broker
As a broker, we provide guidance and support, helping to demystify the loan and finance process. Our services include:
- Market Knowledge: We offer insights into the latest loan products from a range of lenders, ensuring you’re aware of all available options.
- Personalised Service: By understanding your specific needs and financial capacity, we can identify loan solutions that align with your goals.
- Application Process: We assist in preparing and lodging your loan application, ensuring all necessary documentation is in order and compliance with lender requirements is met.
- Communication: We act as the point of contact between you and lenders, managing negotiations and correspondence to streamline the approval process.
- Ongoing Support: From pre-approval to settlement, we provide continuous assistance, answering questions and offering guidance throughout your finance journey.
If you’re ready to take the next step, please reach out to our team today.
