We can save your time and energy and
navigate through the complex buying process for you
FIRST HOME BUYER
We at Rands Financial Services help you take the first steps to becoming a home owner. There are several things to consider along the way, and here are some essential facts you need to know.
We work closely with conveyancers, builders, building & pest inspectors, and real estate agents, ensuring you receive a one-stop solution to your home owner goal.
WHAT WE CAN DO
OFFER INVALUABLE ADVICE AND GUIDANCE
Starting out in the property market can feel overwhelming so we are with you every step of the way providing expert guidance and answers you need so you are confident about your decisions.
SIMPLIFY THE JARGON
We will walk you through different scenarios and clearly explain how much you can borrow, all the costs involved, and what to expect on your journey to buying your first home.
HELP YOU GET YOUR LOAN PRE-APPROVAL
we can help you organise pre-approval so you know exactly how much you can spend on your first home.
FIND AND SECURE A BETTER LOAN FOR YOU
First we listen to your needs, plans and more. Then then compare options from over 40 leading lenders and negotiate on the one that really works for you – so you get the best offer out there.
APPLY FOR FIRST HOME BUYER INCENTIVES
If you’re eligible for the First Home Owner Grant (FHOG) we can lodge the application and all supporting documents for you.
FIRST HOME OWNER GRANT
From 1 July 2017 to 30 June 2020, the Victorian Government has announced to increase the First Home Owner Grant from $10,000 to $20,000 for new homes built in regional Victoria and valued up to $750,000.
STAMP DUTY CONCESSION
The Victorian Government announced it would abolish stamp duty for first home buyers purchasing a home with a dutiable value of $600,000 or less from 1 July 2017. In addition, those purchasing a property worth between $600,000 and $750,000 will receive some form of stamp duty concession. Use this home loan calculator to find out your stamp duty costs.