Rated 5 from 423 Reviews
Purchasing your first home is a significant milestone, and at KM Financial Service, we are committed to helping first home buyers make informed decisions. Our expertise in the property market and access to banks and lenders nationwide ensures that you can explore a variety of Home Loan options tailored to your needs. Whether you're concerned about interest rates or keen to check eligibility for lenders mortgage insurance (LMI) waivers and first home owner grants (FHOG), our team is here to guide you through the process with ease.
For first home buyers, understanding your borrowing capacity is crucial. Our specialists will help you assess your financial situation by reviewing your credit history, bank statements, and loan to value ratio (LVR). This comprehensive review helps determine the most suitable loan amount and whether you qualify for interest rate discounts. We also provide guidance on the application process to make buying your first home a smooth experience. You can apply for a home loan with confidence, knowing that our team will help you get pre-approved efficiently.
Another essential aspect of purchasing your first property is understanding the different types of interest rates available. Whether you prefer the flexibility of a variable interest rate or the stability of a fixed interest rate, we offer insights into which option best suits your financial plan. Our clients can also benefit from features like an offset account, which can reduce interest payments over time. Additionally, we assist in checking your eligibility for any applicable first home owner grants (FHOG) and help you understand potential stamp duty concessions, making the process of buying your first home financially feasible.
For those considering their first investment property, we provide access to a wide range of investment loan options. Whether your focus is on an investment loan application or applying for a home loan to buy your first home, our streamlined application process ensures that you can secure the necessary financing without unnecessary delays. Our expertise extends beyond just buying your first home; we can help you explore opportunities within the property market that align with your long-term goals.
At KM Financial Service, we understand that each client's journey is unique. Our personalised approach ensures that whether you're buying your first home or exploring investment opportunities, you receive advice tailored to your circumstances. With our access to banks and lenders across Australia, competitive interest rates, and support throughout the application process, we are committed to helping you achieve your property goals.
Discover how KM Financial Service can assist in making your dream of buying your first home a reality. Contact us today to learn more about our services and begin your journey towards home ownership with confidence.
Initial Consult with KM Financial Service
Have a chat with a qualified Mortgage Broker who will understand your situation and talk you through the next steps.
Home Loan Fact Find
Your Mortgage Broker will work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for a Home Loan.
Home Loan Pre-Approval
Once you're approved, you can start bidding or making offers on properties you want to purchase.
Settlement
You settle on the property, your Home Loan draws-down and you're good to go!
IP
Indrajit Patil
Great service, easy comms. Kris and his team helped us to get best possible deal and maintained transparency throughout the process.
SJ
Sarabpreet Jhajj
Kris and his team was very professional and kept me updated throughout the process.They answered all questions and made the whole process stressfree.Definitely recommend them.
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shiyadh mohamed
Kris and his team has been very helpful with my refinancing.
At KM Finance, we understand that each client’s needs are different. Our brokers take the time to understand your individual circumstances and financial goals. We provide personalised advice and solutions, ensuring that the home loan you choose aligns perfectly with your needs.
One of the key advantages of working with KM Finance is our extensive network of lenders. We have established strong relationships with a wide array of banks and financial institutions, allowing us to offer you a diverse selection of loan products. This means more options and better chances of finding a loan that fits your requirements.
KM Finance boasts a team of highly experienced and knowledgeable brokers who have an in-depth understanding of the Australian property market. Our expertise allows us to guide you through every step of the home loan process, ensuring you secure the best possible deal tailored to your unique financial situation.
By leveraging our industry connections and negotiating power, KM Finance can secure highly competitive interest rates and favorable loan terms for our clients. Our goal is to help you save money and achieve financial stability in your homeownership journey.
Rajini Pty Ltd ABN: 58 162 771 146. Credit Representative #400286 is authorised under Australian Credit License #391237.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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