First Home Buyers Finance

So it’s time for you to buy your first home and take that big leap into home ownership. But what is one of the first steps you need to do after you have been trawling the net for that perfect home?

It’s smart to keep a level head and be realistic which I know is hard for your first purchase. I have been in the same boat and even for me it was hard. Most first home buyers will need to borrow to buy so before you go much further you need to know how much you can borrow and if you can borrow at all.


As I have mentioned before its best to speak with a broke like Neil who can help you through all of the options for you. You can quickly jump online to any of the banks and see what you can borrow but it’s about the pre-approval process that matters. Online calculators might tell you can borrow $600,000 but once pre-approval is put through you will find that might not be the case.

When applying for a pre-approved loan you will need to provide some additional documentation, such as:
▪ Proof of deposit
▪ Proof of income
▪ Monthly expenses and other outgoings such as loans, credit cards and store cards.

If everything works and you fit what the banks will approve then you can start to make offers on homes.

Things to remember.

It’s free to get pre-approval
Most are valid for 3 months
You know what your budget is when making bids and offers on home
Shows the agent you are ready to go
If you would like any further information about mortgage brokers please give Neil a call on 0409762581 or email him at nlorrigan@chl.net.au

* A finance or mortgage broker can save you time and money, but you should still do your own research. Be prepared to ask plenty of questions to help your broker find you a loan that meets your needs and offers value for money. Please not that Zac McHardy Is not giving and legal or financial advice *

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Brisbane’s Housing Market Update released September 2016

Latest Property Update.

Brisbane market is still performing well. Stock levels are around 30% lower than last year making it a perfect time to sell. While they say we only had a 4.4% growth we need to remember that the downturn on new units prices would have a considerable impact on these numbers and would be interesting to see the details about the housing growth not just the market in one. ( I will look into it)

Watch this video for all the information you need.

If you have any questions at all then please call Zac Mchardy on 0403831596 or email at zac.mchardy@chermside.rh.com.au



Invest for success in Carseldine and Aspley real estate

Tucked away from a bustling capital city, Carseldine and Aspley real estate seems to have it all. Zac McHardy of Raine & Horne Chermside explains why he believes Aspley and Carseldine, with their good-sized properties and vibrant community spirit, are Brisbane’s most family-friendly suburbs.

Brisbane has gone through many changes in the last 20 years. Many suburbs have become hot, then not, then hot again. Others have gone through massive gentrification as Brisbane’s CBD has boomed. The northern suburbs have seen some of the biggest changes; Chermside, for example, has exploded in recent years to become Brisbane’s ‘second CBD’, with its local Westfield, the growth of The Prince Charles Hospital, and the huge development of units and flats.

I’ve been in the area since I was young, and I’ve watched the development firsthand. The growth and gentrification in Chermside and its surrounding areas has been wonderful for both Aspley and Carseldine real estate.


Read more

Facebook Live Stream Saturday 9th July

188 Newman Road Geebung

Hello everyone. So I’m going to try something a bit different something that I haven’t seen done before in the Brisbane Real Estate Market. I am going to run a Facebook live stream at 188 Newman Road Geebung, QLD, 4034
First I will start at 9:50am for 10mins running through the home and then from 10am until 10:20am I will have a live Q & A while the open home is open.

I have seen many live Auctions before but no one so far has done a live Open Home with a Q & A.

If you are free on Saturday the 9th of July jump on over to my Facebook page and watch live ask some questions and get involved. Who knows you might just find the property you have been looking for.

Here is the link to my Facebook page which will be live form 9:50am


And here is the link to the house at 188 Newman Road Geebung, Qld 4034
188 Newman Road Geebung

First Home Owners Grant QLD

Here is a quick video on the New QLD First Home Buyers Grant.
If you are a first home Buyer in QLD you may be eligible for $20,000 instead of $15,000.

Now remember as always there some catches.

1. You Must not have owned a property before.
2. You must purchase a brand new property. (Unit, Townhouse, House and Land)
3. This only runs for 12 months starting first of July.

If you have been looking to purchase your first home and think you fit in the above then please give me a call on 0403831596 as we have plenty of contacts around the Northside of Brisbane with options to fit all budgets.

Zillmere, Aspley, Carseldine, Boondall, Chermside and Chermside West have plenty of options currently.

I have included the link below for more information on the First Home Owner Grant.