First-Time Homebuyer?
We'll guide you every step of the way
Avoid Costly Mistakes with Our Guidance to a Seamless First-Time Homebuying Journey
First-Time Homebuyer?
We'll guide you every step of the way
Avoid Costly Mistakes with Our Guidance to a Seamless First-Time Homebuying Journey
We have helped:
230+
From Rent to Ownership
Are your confused with advice and assistance from a variety of sources? Our hands-on approach and guidance will ensure you are made to feel comfortable all the way to settlement and beyond.
120+
Leverage Government Schemes
Not sure about the lender deals and government incentives available to you? We assess your eligibility for lender deals and government incentives to ensure you avail all benefits available to you.
100+
Low Deposit Homeowners
Have a low deposit and not sure if you are ready? We can help you purchase your first property with low deposit with various lender and government options and schemes etc.
OUR ADVANTAGE
Smarter Lending
for Homeowners & Investors
Overcome Challenges
We can help if your bank has said “no” to borrowing more money. If you can’t apply because of joint ownership, citizenship status, self-employment or other restrictions, we can help, too.
Smart Mortgage
We negotiate better rates with your lender or present refinance options if necessary. And we alert you with opportunities to access equity or borrow more. All this without you lifting a finger.
Grow Wealth Faster
Your finance strategy is vitally important to your future wealth. Our smart finance strategy helps investors and homeowners grow their wealth faster.
CONFUSED!
First-time homebuyer? Feeling lost?
Like many first home buyers who are excited to finally stop renting and get a place of your own, perhaps you are also feeling…
Nervous About Making Mistakes… And wish you could get hands-on help to find the right loan and get the right start in property, so you can avoid costly mistakes, save thousands in interest, fees, and tax, and get investor-ready for the future?
Unsure About How Much You Can Borrow, what loan to get, and how much repayments will be… and want honest advice before you start looking at properties?
Confused About Government Schemes and Incentives… And want help to know about your eligibility and how to successfully apply?
Worried About Being Declined (and damaging your credit score) … and want guidance to get approved for the maximum amount so you can get a better home?
Many first home buyers have the same concerns. That’s why we’ve Developed a free Lending Strategy Session to answer your questions and help you get the right loan and the right start in property.
OUR ADVANTAGE
Smarter Lending for
Homeowners & Investors
Overcome
Challenges
We can help if your bank has said “no” to borrowing more money. If you can’t apply because of joint ownership, citizenship status, self-employment or other restrictions, we can help, too.
Smart
Mortgage Monitoring
We negotiate better rates with your lender or present refinance options if necessary. And we alert you with opportunities to access equity or borrow more. All this without you lifting a finger.
Grow
Wealth Faster
Your finance strategy is vitally important to your future wealth. Our smart finance strategy helps investors and homeowners grow their wealth faster.
CONFUSED!
First-time homebuyer? Feeling lost?
Nervous About Making Mistakes?
If you're nervous about making mistakes in property, we provide hands-on help to find the right loan and start your journey with confidence, avoiding costly errors and saving money for the future.
Unsure About How Much You Can Borrow?
Before you start property hunting, our honest advice helps you understand loan options and repayment estimates, ensuring informed decisions that align with your financial capabilities.
Confused About Government Schemes and Incentives?
Don't let confusion hinder your access to valuable government programs. We simplify eligibility and application processes, guiding you to leverage available schemes and incentives successfully.
Worried About Being Declined?
Our guidance minimizes the risk of loan rejection and protects your credit score. We aim to secure approval for the maximum loan amount, empowering you to find a better home confidently.
Many first home buyers have the same concerns. That’s why we’ve Developed a free Lending Strategy Session to answer your questions and help you get the right loan and the right start in property.
Eliminate Confusion
First-time home buyers (FHBs) often face confusion when navigating the property market. We can assist by introducing them to their options and guiding them through the benefits, risks, and processes of buying their first home.
Government Incentives
Buying a first home can be confusing with all the different programs and incentives offered by each state. We can make it simple for you by helping you understand what you qualify for and how to access the benefits available to you. We will guide you through the process and make sure you don't miss out on any opportunities.
More Loan Options
Unlike banks and other brokers that are often restricted to their own brand-name loans, we access our network of more than 50 lenders to find the right loan for your situation.
Monitor Your Loan
We continuously monitor the market and negotiate with your lender. If your current lender can't offer a competitive deal, we'll evaluate and help you refinance your loan.
EXPERT GUIDANCE
How We Help First Home Buyers as their Truster Advisors
EXPERT GUIDANCE
How We Help
First Home Buyers as their Trusted Advisors
Eliminate Confusion
First-time home buyers (FHBs) often face confusion when navigating the property market. We can assist by introducing them to their options and guiding them through the benefits, risks, and processes of buying their first home.
Government Incentives
Buying a first home can be confusing with all the different programs and incentives offered by each state. We can make it simple for you by helping you understand what you qualify for and how to access the benefits available to you. We will guide you through the process and make sure you don't miss out on any opportunities.
More Loan Options
Unlike banks and other brokers that are often restricted to their own brand-name loans, we access our network of more than 50 lenders to find the right loan for your situation.
Monitor Your Loan
We continuously monitor the market and negotiate with your lender. If your current lender can't offer a competitive deal, we'll evaluate and help you refinance your loan.
6
REASONS
Why People Choose Us
Instead of their Bank or other Brokers
Maximise Your Borrowing
We know that each individual's circumstances are unique, and we specialise in finding the right lender to help you borrow more. Our extensive knowledge of lender policies allow us to assist you in reaching your property goals, whether that means buying your dream home or adding to your investment portfolio.
Maximise Your Equity Access
Lenders may assess the value of your property differently based on various factors, but our team can help you find the lender that will give your property the highest valuation. This can give you access to more equity, which can be used to fund your next investment property, pay for renovations, or even go towards a dream vacation.
Reduce Your Repayments
We offer a range of services to help reduce your mortgage repayments. This includes negotiating a better rate, consolidating high interest debt into your mortgage, and exploring options such as interest only payments or extending your loan term.
Monitor Your Portfolio
Our mortgage monitoring service helps you stay on a great deal on your home loan by negotiating better rates with your existing lender or presenting refinancing options as necessary. We also keep you informed of equity and borrowing opportunities so you can take advantage of them. All of this is designed to give you peace of mind and make it easier to stay on top of your home loan(s).
Driven by Your Goals
We are committed to finding the home loan lenders that will help you reach your goals faster. We don't just offer basic brokerage services – we take a long-term view and work to find solutions that will support you in the long run. Additionally, we understand that clients may come to us without fully considering their objectives and goals, and we are happy to spend time with them to clarify and ensure they are making informed decisions about their home loans.
Our Property Experience
With our significant experience in property investment and frequent exposure to property transactions, we have gained valuable insights into the most successful approaches and how to avoid common pitfalls. If you are considering purchasing your first home or investing in property, we can provide valuable guidance and support to help you make informed decisions.
6
REASONS
Why People Choose Us
Instead of their Bank or other Brokers
Maximise Your Borrowing
We know that each individual's circumstances are unique, and we specialise in finding the right lender to help you borrow more. Our extensive knowledge of lender policies allow us to assist you in reaching your property goals, whether that means buying your dream home or adding to your investment portfolio.
Maximise Your Equity Access
Lenders may assess the value of your property differently based on various factors, but our team can help you find the lender that will give your property the highest valuation. This can give you access to more equity, which can be used to fund your next investment property, pay for renovations, or even go towards a dream vacation.
Reduce Your Repayments
We offer a range of services to help reduce your mortgage repayments. This includes negotiating a better rate, consolidating high interest debt into your mortgage, and exploring options such as interest only payments or extending your loan term.
Monitor Your Portfolio
Our mortgage monitoring service helps you stay on a great deal on your home loan by negotiating better rates with your existing lender or presenting refinancing options as necessary. We also keep you informed of equity and borrowing opportunities so you can take advantage of them. All of this is designed to give you peace of mind and make it easier to stay on top of your home loan(s).
Driven by Your Goals
We are committed to finding the home loan lenders that will help you reach your goals faster. We don't just offer basic brokerage services – we take a long-term view and work to find solutions that will support you in the long run. Additionally, we understand that clients may come to us without fully considering their objectives and goals, and we are happy to spend time with them to clarify and ensure they are making informed decisions about their home loans.
Our Property Experience
With our significant experience in property investment and frequent exposure to property transactions, we have gained valuable insights into the most successful approaches and how to avoid common pitfalls. If you are considering purchasing your first home or investing in property, we can provide valuable guidance and support to help you make informed decisions.
TESTIMONIALS
What People Have to Say About Us
" ... They helped us in sourcing a great and comprehensive deal for our first dream home. Hats off to their professionalism and work ethics, they are highly knowledgeable about the banking products & the offers and truly understand their client needs when it comes to getting a comprehensive deal ..."
Farhan Effindi
"... my previous mortgage broker really blocked me to buy anything Zain from loan panda worked hard on my finances and got me approval to buy an investment without selling anything. Loan panda resolved all my queries quicker and in best possible manner which help me achieve my goal. I am now looking forward to increase my portfolio with their help ..."
Saurabh Neekhra
"... vowed to help us when some of the brokers we approached prior said that they couldn’t help us because our financial situation was not viable.
Zain was very pleasant to deal with, smart and swift which allowed us to secure one of the best home loan deals around. He was professional and never sat on our enquiries at all ..."
Imelda Mesa
YOUR NEXT STEP
Towards Becoming a Homeowner
Finding out more is quick and easy with a Free Finance Strategy Session during which:
You’ll get a clear understanding of how much you can borrow, how much it will cost, and what you can do to maximise your borrowing capacity and avail lender deals and government schemes and incentives.
You’ll discover common mistakes First Home Buyers make that can result in a home loan decline.
You’ll learn how to choose a mortgage that is tailored to your individual circumstances and goals (and how to prioritise interest rate vs. borrowing vs. equity access etc. and how right mortgage can help you achieve your financial goals faster).
You'll discover how to track your mortgage and seize the chance to lower interest charges, increase equity access, or maximise your borrowing potential.
You’ll explore ways how Loan Panda guides first home-buyers in their home buying journey.
Rest assured this will not be a veiled sales presentation. On the contrary, you will receive expert, independent guidance relevant to your specific situation.
Naturally, you are free to take the information we share and try to implement it yourself. Or you can join our many property investor clients and let us help you – totally free. In any case, we look forward to meeting you for your no-obligation, Free Lending Strategy Session.
YOUR NEXT STEP
Towards Becoming a Homeowner
Finding out more is quick and easy with a Free Finance Strategy Session during which:
You’ll get a clear understanding of how much you can borrow, how much it will cost, and what you can do to maximise your borrowing capacity and avail lender deals and government schemes and incentives.
You’ll discover common mistakes First Home Buyers make that can result in a home loan decline.
You’ll learn how to choose a mortgage that is tailored to your individual circumstances and goals (and how to prioritise interest rate vs. borrowing vs. equity access etc. and how right mortgage can help you achieve your financial goals faster).
You'll discover how to track your mortgage and seize the chance to lower interest charges, increase equity access, or maximise your borrowing potential.
You’ll explore ways how Loan Panda guides first home-buyers in their home buying journey.
Rest assured this will not be a veiled sales presentation. On the contrary, you will receive expert, independent guidance relevant to your specific situation.
Naturally, you are free to take the information we share and try to implement it yourself. Or you can join our many property investor clients and let us help you – totally free. In any case, we look forward to meeting you for your no-obligation, Free Lending Strategy Session.
FREQUENTLY ASKED QUESTIONS
People Typically Want to Know
1. Why should I use a Broker and not go to my Bank directly?
There are numerous reasons why people choose a broker over their bank. Some of the key reasons are highlighted below:
a) Preassessment of your loan application before submitting to the lender. This significantly reduces your chance of getting a decline on your credit file.
b) Brokers have access to multiple lenders and can almost always find a more suitable home loan than just one lender.
c) Brokers have the Best Interest Duty obligation by law that always ensure they look after your best interests.
2. How do you get paid, and will I have to pay any fees?
Our services are at no cost to you, as we get paid by the lender. However, sometimes we do have to charge for our services. If we are to charge for our services, we will let you know upfront.
3. My Bank said 'No', can I still get a home loan?
If your home loan application has been denied, there are steps you can take to try to improve your chances of getting approved: address any issues that led to the refusal, consider applying with a different lender, or work with a mortgage broker to find lenders that may be willing to work with you. A mortgage broker can help you identify lenders that may have more lenient requirements and can assist you in the home loan process.
4. How long will it take to get my loan approved?
The time it takes to get a home loan approved can vary and can take anywhere from a few days to several weeks. The length of time depends on the lender's workload and the complexity of the individual loan application.
To get a better idea of the timeline for your specific application, it's a good idea to speak with your Loan Panda Broker. They will be able to provide you with more information about the expected timeline for your application.
5. What comes first the property or the loan?
This is a question we get often. In our view it is important to understand your finances before embarking on your property purchase. We have seen customers starting their search for properties without having a clear understanding of their borrowing capacity, deposit requirements including all costs associated with the purchase.
6. How can I increase my borrowing capacity?
There are various inputs and factors that go into calculating your borrowing capacity. It is important for a broker to understand your goals and objectives and align them with your unique circumstances so he/she can find a right solution, which can maximise your borrowing capacity.
Loan Panda is a specialised mortgage broking firm based in Hills District of Sydney. Helping homeowners and property investors grow their wealth faster.
Loan Panda Pty Ltd is a Credit Representative (529991) of Finsure Finance & Insurance Pty Ltd (Australian Credit License 384704)
*All applications subject to assessment and lender approval
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