Buying or building your first home is an exciting time. Making sure you completely understand the finance process will help you get into your new home sooner, and with less stress.

That’s why we created handy step by step guide to home finance guide, so that you will always know where you are in the process. This takes the hassle out of your finance and lets you concentrate on counting down the days until you move in!

This is the start of the journey! Speak to STH Consultants to set your budget before you choose your block of land or your home design.
We will review your new home, current lifestyle and future requirements to find the right loan for you. It’s important to bring any required documents so we can send your application to your lender.
After your supporting documents are received, STH Consultants will send your application to your lender, who will assess it for preapproval.
This is your next step forward! We will contact you about any conditions required by your lender and apply for formal approval. Make sure you don’t do anything that might change your eligibility.
Your new loan will change your financial commitments, so we strongly recommend you review your insurance cover to protect your family and assets. STH Consultants can arrange a meeting with a Financial Planner to discuss your options.
This means your loan is approved! Your lender will issue you a ‘Letter of Offer’ and mortgage documents to sign. We will notify your conveyancer and the builder on your behalf.
We will help review your mortgage documents and make sure you understand the conditions of your loan.
It’s time to pay your deposit and finalise your settlement. At this point, it’s a good idea to contact us just to make sure all the figures align with your estimated amounts.
Congratulations, you officially own your block of land or home!
Before you move into your new home, you will need to take out home and contents insurance. Speak to uswe can assist you.
Now you’re ready to move, it’s important to plan for the future. If you haven’t already, book an appointment with our Financial Planner partner to streamline your expenses, protect your assets and create wealth for your future.