Buying your first home is an exciting time but it can be a daunting task if you don’t know where to start. To help ease confusion surrounding one of the life’s most important decisions, we’ve put together all you need to know from budgets to loans, we’ve got it all covered to help you navigate the buying process with ease.

Know and set your budget
This includes understanding what grants, incentives and discounts you’re entitled to. Your best port of call is to speak to a professional lender such as a bank, building society or mortgage broker. A lender will be able to help you set your budget by calculating a loan amount based on your income, savings, assets, expenses and credit history.

Save save save!
Once you’ve worked out a budget, sitting down with a financial planner to put together a solid savings plan will help you to secure your dream home sooner rather than later, plus it’s always smart to have a little buffer in the event of any unexpected costs along the way such as removalists, connecting utilities, council rates and insurance.

Consider lifestyle
Has coastal living always been a dream or perhaps you’ve always wanted to build the ultimate home to support a growing family? Having a clear picture of what’s important to you and your family will help guide your decision making when it comes to location and more. No matter what you’re looking for, there is something for everyone at Jindowie, located on WA’s pristine coastline and surrounded by an abundance of amenities, there’s never been a better time to consider life by the beach at Jindowie.

Don’t be afraid to ask
Buying or building for the first time can be overwhelming, so don’t be afraid to ask the professionals for advice or help along the way. If you’re building, having a good working relationship with your builder is critical to ensuring they work to your budget and keep you in the loop with any changes or updates along the way.

Don’t cut corners
It can be tempting to overlook elements and finishes in order to save a dollar or two, but it’s important to remember that in the long run these things will end up costing you just as much, if not more, so invest now in creating your perfect home from layout to interior styling, features and finishes.

Be organised
Having all your paperwork in order will save you a massive headache when it comes to signing contracts and official documentation. These can include: identification documents, proof of savings, proof of income, evidence of current debts and credit score.

*Information on this page does not consider your personal needs and financial circumstances and you should consider wether it is appropriate for you. Lenders terms and conditions apply and may vary. 

Ready to make the move? Jindowie offers a coastal lifestyle for all…whether you’re looking for a change, wanting the perfect family home or buying your first home, Jindowie might be it. We have affordable house and land packages waiting to be snapped up.

Please feel free to contact either Debra or Lee for more information and a chat.

Debra Hanlon
Phone: 0414 940 724
Email: deb@parcelproperty.com.au

Lee Johnstone
Phone: 0403 060 129
Email: ljohnstone@parcelproperty.com.au