Not sure if you are ready for your first home loan?

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Estimate how much you can borrow and avoid unnecessary loan rejections.

If you go directly to a bank or some brokerage firms, they will deem the first step to be the home loan pre-approval application. However, at FHBA we don’t believe this the case – if you are pre-qualified as first home buyer the chances of getting pre-approved are much higher! If you believe you are eligible for your first home loan, it’s important to prepare yourself and determine how much you can borrow before submitting a pre-approval application. Your broker or lender will use a wide range of information to determine if you qualify a home loan now.

Because of the difference in criteria for each lender, there’s no standard home loan eligibility calculator that can accurately calculate every first home buyer’s eligibility for their first home. Therefore it’s wise to talk to an expert first home buyer Coach.

How does FHBA Pre-qualify first home buyers?

  • FACT FIND

    Your FHBA Coach/Broker will contact you within 24 hours of your enquiry submission to conduct a short phone call consultation where we will ask you a range of questions to determine if you pre-qualify for your first home loan.

  • COMMUNICATE RESULTS

    Your FHBA Coach/Broker will prepare an analysis of the information provided (at no cost to you) and communicate whether or not you pre-qualify for a first home loan, if you don’t we will tell you exactly what you need to get pre-qualified

  • YOU DECIDE

    Within the results, your FHBA Coach will advise what your options are so you can compare them and decide if you want to go ahead with a home loan pre-approval or if you wish to save further and purchase your first home at a later date.

Benefits of getting pre-qualified before a pre-approval

CHOICE & OPTIONS

If you went straight to a pre-approval either through a broker or direct to a lender, you may be limiting yourself. Getting pre-qualified first gives you a range of different options

CLEAN CREDIT RECORD

Every time you lodge a pre-approval it will appear on your credit history, this may lead to A deterioration in your credit report (especially if you lodge many pre-approvals!)

SAVES VALUABLE TIME

We all know how busy everyone is, if you get pre-qualified it will avoid unnecessary time wasting as you won’t need to explore different options or lenders to get your loan

GETS YOU ON TRACK

Regardless of whether you pre-qualify or not, a pre-qualification consultation will allow to choose and begin a path to achieving your Great Australian Dream of home ownership

Learn more about FHBA Mortgages

Various options

FHBA Mortgages can help you in any way that suits you, check if our mobile mortgage brokers can come to you, or if you would like your first home loan to be done remotely:

Find out more

Free Portal Access

If you are an FHBA Mortgages customer you get access to our unique first home buyer resources portal with a live online journey tracker, allowing you to communicate with all parties involved in your first home journey

See the inclusions

Frequently asked questions (FAQ’s)

We get asked many questions by our existing and aspiring first home buyer clients who are looking to get their first home loan through FHBA Mortgages

Get answers now

Looking for a pre-qualification?

FHBA is the one stop shop for first home buyers, especially when it comes to determining if you qualify for your first home loan.

Simply complete the form below and an FHBA Broker/Coach will contact you within 24 hours to discuss your first home loan requirements:

Disclaimer: The information on our website including this page is general in nature and should be solely relied upon. It does not take your personal circumstances. The credit license responsible for the mortgage service offered to clients is Mortgage Australia Group Pty Ltd, Australian Credit License (ACL) number 377294, Australian Business Number (ABN) 99 091 941 749. Mortgage Australia Group Pty Ltd is a member of the Mortgage & Finance Association of Australia (MFAA). FHBA Pty Ltd is an authorised credit representative of Mortgage Australia Group Pty Ltd.

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