For a no obligation interview.

We love first home buyers.

You often have the most questions and you are quite often the most excited home buyers. We get a buzz helping you! We allow extra time for the first home buyer loan interview to make sure all your questions are answered.

We aim to find you a suitable home loan and we can also assist you with your First Home Owners Grant. To make your first home loan more affordable, we specialize in discounted interest rate loans, Professional Packages, honeymoon rates and no-frills loans, and we can discuss interest only loans as well.

Whatever it takes we shall find the most affordable loans and repayments to meet your budget.

First Home Owners Grant applications here
We assist you with your home loan and your First Home Owners Grant application

Additional Forms You Might Find Useful

NSW FHOG - Application for Exemption of Concession from Duty

QLD FHOG - Supporting Documentation Checklist

ACT FHOG

For a no obligation interview.

Stuck in the rent trap? Having difficulty saving for a deposit? You’re seeing property prices going up faster than you can save?

We may be able to find you a very competitive loan that covers 100% of the purchase price.

Some lenders have 100% loans that are very affordable. If you have secure employment and sufficient income then you may qualify.

Some lenders have fantastic “Family Pledge” loans. If your parents are willing to assist you by unlocking equity in their home or investment property, this can be the most affordable way to get into your first home. Your parents don’t have to give you any money but they may be willing to be guarantor and offer you some equity.

Your Cosimfree Homeloans Consultant is most willing to discuss this option with you and your parents.

For a no obligation interview.

Using the equity in your home to build a property portfolio, buy shares, or make other investment?

We are happy to work with you and your accountant to ensure you have the most appropriate loan structures to maximize the benefits of your investments.

We understand the advantages of interest only loans. We know what good debt and bad debt means.

We can work with you to reduce your bad debt rapidly and get benefit from the good debt. It comes from knowing what investors want and what loans can get them to where they are going.

You might have all your cash tied up in your home. How do you pay a deposit on your investment property? We can assist with deposit bonds so that your cash keeps working for you.

We have so much to offer the investor. Become a Client For Life today.

For a no obligation interview.

Why get pre-approved?

Pre-approvals are a great way to strengthen negotiations when you find that dream home.

How?

The seller will likely take your offer far more seriously when they know you are a qualified buyer. We have had clients offer less than another potential buyer but have their offer accepted simply because their finance was pre-approved. Put the power in your hands by getting pre-approved. It will mean one less thing to worry about.

In fact our pre-approvals are comprehensive and all you should have to do is find that dream home. Our pre-approvals include credit checks and employment checks and income verification which means our pre-approvals usually mean your loan is approved subject to finding an acceptable property. This means less stress for you so that all you need worry about is "which home" to make yours.

Pre-approvals also ensure you are looking at homes you can afford because we will determine your borrowing capacity and that will decide how much you can spend on your dream home. This will save heartache later.

Get your pre-approval organised today.