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Buy your first home

Buying your first home can be exciting and overwhelming at the same time. We have provided this guide to assist you in preparing for the home buying journey and we will be here with you, every step of the way. The lending process is complex, so it is important to engage your broker early in the piece. There is the deposit to think about, your borrowing capacity, the type of security, loan product, and even the type of loan. Even if you are not quite ready to buy, we are here to get you prepared for the process so you can get into your new home sooner.

Home lending process

Know your borrowing capacity, don’t rush if you are under borrowing capacity

Your borrowing capacity will depend on several factors and it...
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Budgeting your property

Most lenders will want to see evidence of consistent savings over a period of 3-6 months. This is to show you...
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Document preparation and consent form signing

The quickest way to do these things is to speak to a mortgage broker. They’ll be able to assess your situation and even start the pre-approval process.
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Get preapproval

Once you have your pre-approval in place, it is time to go shopping! Picking your first home/next home can seem like an overwhelming task.
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Property Search

Property search and fear of missing out on the property is a key challenge in buying a home. You should not rush to buy a property unless...
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Apply for final approval and prepare for settlement

Now that you have signed all your contracts it is time to get ready for the big day...
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Settlement

On settlement day your conveyancer or solicitor will coordinate with the vendor's solicitor and the bank to attend...
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Post Settlement

Stick to your budget. It may be a time to go and buy all new furniture and appliances for your new home, however...
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Divine can help make it happen

Get expert advice

Our expert insights will help guide you through the process and get you to your goal sooner.

We do all the hard work

Experience the difference, we take out the leg work and we'll fit into your schedule.

Free appointment

An appointment is at no cost to you.

Divine Mortgage at your service

Divine's own home loans

More than a mortgage broker, we have our own home loans too.
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Property Reports

Learn more about getting into the property market.
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Comparing Home Loans

It's simple when you have a broker doing the hard work for you.
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Compare rates available

Check out some of the low rates available.
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Thousands of home loans from over 25 leading lenders#

Adelaide Bank
Your ultimate satisfaction comes from your dream home
Liberty Bank
La Trobe Financial
Latitude
ANZ
Pepper Money
Bank of Melbourne
OnDeck Small Business Loans
My State Bank
ING Bank
NAB Personal Banking
Heritage Bank
Granite Home Loans
Firstmac
Me Bank
Velocity Loans
Maquaire Bank
St. George Bank
Suncorp Bank
Bank SA
Mortgage EZY
AMP
Westpac Bank
Bank of Sydney

#Not all lenders are available through all brokers


Divine Mortgage is here to help

Give us a call

Our expert insights will help guide you through the process and get you to your goal sooner.

Book an appointment

Experience the Mortgage Broker difference, we take out the leg work and we'll fit into your schedule.

Visit us

You can visit us to know more.