Employment: - You must have been employed for at least 6 months with your current employer.

Income: Your annual "net surplus cash" after taxation and living expenses must represent a minimum multiple ratio of 1.00:1 after allowing for your home loan repayment and other financial commitment, including personal loans, credit cards and any other loans outstanding. Refer to our calculator page for this Ratio.

Loan to valuation Ratio: (security) The ratio generally can't exceed 95%, remembering that Lender's Mortgage Insurance is payable on all loans above 80% of loan to valuation ratio in addition to the other set-up and legal costs on top of your deposit. So the greater your deposit, the less mortgage insurance premiums you will have to pay.

Also, the greater your equity the greater your chances of approval and in the long term the sooner you will own your own home. 

However, in Western Australia the State Government sponsors and funds a program that can save you a bundle as they do not charge Mortgage Insurance, however conditions do apply, so please contact us for further information to see if you qualify.

A clean credit history is a mandatory requirement.

However, if you are a little short on these qualifying requirements, a simple phone call is all it takes and we can assist you with the best options via our panel of lenders that will secure your home buying future.

We offer access to hundreds of different loan types and combinations through our panel of 30 lenders, so we can find the home loan that's right for you.

Please use our loan qualifier & calculator by clicking here