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First Home Buyers Gold Coast

Planning on buying a home on the Gold Coast? Is it your first time buying a home? If you’re one of the many first home buyers Gold Coast sees yearly, and you’re unsure what to do, you’ve come to the right place. Navigating the world of mortgages, loans, and properties can be a little overwhelming, but don’t worry. Professional Lending Solutions is here to help! Phil and an experienced team of expert mortgage brokers will guide you through your first homeownership journey!

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First Home Buyers Gold Coast Guide

Hey there, future homeowner on the Gold Coast! We totally get that diving into the world of home buying can be a tad overwhelming, especially when it’s your first time. You’re not alone in this; many of the first home buyers Gold Coast sees have a bunch of questions just like you. In fact, in a CoreData survey, it was revealed that a whopping 71% of first-timers are on the lookout for extra support. And guess what? Nearly half are trying to wrap their heads around the home loan process, while others are curious about government grants and hunting for the best mortgage deals.

Now, here’s the good news: Professional Lending Solutions has got your back! We’ve crafted a handy guide tailored for any first home buyer Gold Coast will welcome into its arms. From answering those burning questions to sharing top tips and even shedding light on available government grants, we’ve got it all covered. So, take a deep breath and let’s embark on this exciting journey together!

First Home Buyers Gold Coast: Benefits of Working With a Mortgage Broker

As a first home buyer on the Gold Coast, it’s tempting to directly approach your local bank for a first home buyer’s loan. However, this approach can prove to be stressful and time-consuming.

This is usually the case when people are unsure about how a first home buyer mortgage broker specialist can help. As a first home buyer on the Gold Coast, working with a local mortgage broker can help save time, help save money, and help you avoid a lot of anxiety during the home-buying process.

First Home Buyers Gold Coast Government Assistance Options

The federal and Queensland state government are currently offering a range of incentives and discounts for first-time home buyers. These include:

First Home Buyers Gold Coast: Why Choose Professional Lending Solutions?

At Professional Lending Solutions, our team of dedicated mortgage brokers brings together a wealth of industry experience, a deep understanding of the local property market, and an unwavering commitment to prioritising our clients’ best interests.

We’re also proud to announce that we were recognised as Finalists in the esteemed Better Business Awards 2021. Our nominations span across categories including ‘Best Finance Broker’, ‘Best Regional Broker’, ‘Best Loan Administrator’, and ‘Best Regional Office’. These accolades emphasise that excellence in brokerage isn’t merely about volume; it’s about unparalleled customer service and a genuine dedication to our clients’ well-being. This ethos resonates deeply with us, and we strive to embody it in every interaction with our valued customers.

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Professional Advice for First Home Buyers Gold Coast

Top 4 Tips for First Home Buyers Gold Coast

When you talk with Phil, or any of our expert mortgage brokers here at Professional Lending Solutions, you get worthwhile advice and great insights on your first home buyer journey. Here is some helpful advice an expert first home buyer mortgage broker like Phil can give you:

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Chat with a Trusted Expert

We know the world of home buying can be a maze of advice. But guess what? By having a heart-to-heart with a mortgage broker, you’re not just getting advice; you’re unlocking a treasure trove of industry insights and exclusive home loan deals. Plus, working with a broker means less stress, more time saved, and a safeguarded credit score. And here’s the cherry on top: our ‘Best Interests Duty’ ensures we are legally bound to work in your best interests – not something the banks have to do!

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No 20% Deposit? No Worries!

If you haven’t saved up a 20% deposit, don’t sweat it! Reach out to us and let’s explore your first home buyer’s mortgage options together. From considering a guarantor to diving into the First Home Loan Deposit Scheme or even thinking about Lender’s Mortgage Insurance (LMI), we can help find the solution that best fits your situation.

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Boost Your Credit Rating

Curious about your credit rating? You’re not alone! Start by grabbing a free copy of your credit report. A stellar credit score is like a golden ticket for lenders. If you spot any hiccups on your report (hey, mistakes happen), there are ways to fix this. Settling personal debts, clearing your credit card balance monthly, and being the punctual bill payer you always wanted to be are a few things you can do.

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Don't Forget the Associated Costs

Beyond the initial deposit, there’s a little list of other costs to keep in mind. From loan application fees and potential Lender’s Mortgage Insurance to government charges (and those sneaky moving expenses), it’s good to be prepared. Need a clearer picture? Give our friendly team at Professional Lending Solutions a shout. We’re here to guide you through every dollar you’ll need for your home journey.

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Trusted Mortgage Brokers for First Home Buyers Gold Coast

Worrying about loan amounts, deposit requirements, or your eligibility for the first home owners grant? Curious about which lenders offer the best rates for first home buyers Gold Coast finds annually? At Professional Lending Solutions, we have all the answers tailored for first home buyers. Reach out and talk to Phil and our expert team of first home mortgage brokers at Professional Lending Solutions to receive top-notch advice on first home buyer loans today!

First Home Buyers Gold Coast FAQs

Your budget should be based on your individual goals, desires, and your ability to save. It’s essential to track your spending habits and set financial goals, which will play a significant role in purchasing your first home.
Typically, first-time home buyers spend between 5-20% of the purchase price on a deposit. The exact amount can vary based on the type of home loan and the lender. However, saving around 10% of the property value is generally ideal.
The amount you can borrow is determined by factors like your income, assets, credit history, and existing liabilities. Different lenders have varying criteria, so it’s essential to consult with a mortgage expert.
There are fixed and variable rate home loans. Fixed loans set the interest rate for a specific period, offering protection against rate increases. In contrast, variable rate loans can change based on market conditions, potentially resulting in lower interest rates.
Start your home loan journey by determining your budget and understanding how much you can borrow. Research properties of interest, make offers, and once accepted, ensure you conduct all legal checks.
Stamp duty is a tax related to buying land or property, applied by state governments. The amount varies by state and is based on factors like the property’s purpose and value. Some first home buyers may be exempt from paying stamp duty.
A solid rental history can be a boon! If you’ve been consistent with your rent payments over the past year, some lenders might consider this as proof of genuine savings, showcasing your reliability.
Absolutely! Many first-time home buyers opt for a guarantor, usually a family member, to back their loan. This can boost your borrowing capacity and might even help you avoid certain fees. It’s a great way to get a leg up, especially if you’re finding it challenging to save for a large deposit.
Yes! Buying a home while you’re single can be a fantastic investment in your future. It gives you the freedom to choose a property that suits your personal preferences and lifestyle. Plus, with the right financial planning, you can manage the mortgage on a single income. Remember, it’s all about finding the right property that aligns with your budget and long-term goals.
The amount you can borrow largely depends on your financial situation, including your income, expenses, and any existing debts. Lenders will assess your capacity to repay the loan without facing financial hardship. It’s always a good idea to consult with a mortgage broker to get a precise figure tailored to your circumstances.
Starting with a budget-friendly property can be a smart move. It allows you to enter the property market sooner and begin building equity. Plus, it’s often easier to manage mortgage repayments on a less expensive home. Think of it as a stepping stone to your dream property in the future!

Mortgage brokers offer a broader range of home loan products than individual banks. They work in your best interest, helping you navigate potential issues and access advanced home loan comparison tools. They save you time, effort, and potentially money by finding the best-suited loan for your circumstances.

5-star reviews from happy clients!

Charles FraserCharles Fraser
06:05 05 Feb 24
Phil and the team at Professional Lending Solutions provide a great service, have a wealth of knowledge, and conduct their business in a very professional and timely manner. I would recommend them to anyone looking for finance.
Sara AllanSara Allan
03:51 13 Jan 24
We couldn't recommend Phil and his team enough! We've been working with Phil for about six months to get us to a position where we are able to purchase our own home, and are getting ready to move into our dream home as we speak.Phil's been straight up with us in regards to our options throughout the whole journey, and worked with his connections to get our application across the line amid investment property settlements, and the added complication of both of us owning our own businesses.We hope to never move again (!) but will be back to talk to Phil for our refinance options in the future 🙂
Rachel PounderRachel Pounder
23:25 08 Nov 23
Phil was amazing to work with, very knowledgeable and was a stress free process to refinance my loans. Would highly recommend his services.
Melissa SilkMelissa Silk
09:40 11 Oct 23
Phil was recommended to us and we could not be happier with the result we achieved having him by our side for the sale of our home and the purchase of our new home.Phil was incredibly prompt, honest and professional. He addressed every single query (and there were MULTIPLE) in such a timely manner. Phil helped map out the nitty gritty details from the get-go with honesty and his professional opinion so that when we decided to go ahead and buy in this current market, instead of waiting, we were able to achieve settlement in such a tight timeframe (21 days to be exact). We will DEFINITELY be approaching Phil in the future and are 110% more than HAPPY to recommend him to friends and family. Jenny, thank you for being the behind-the-scenes magician during our entire journey. We are very appreciative of your hard work (especially in the moments right before settlement).
Ben ShieldsBen Shields
22:32 20 Sep 23
I have been using Dean for all my financial requirements for a few years now, along with others in my family. He has become our family finance guy. He always finds the right deal, gives great advice and makes the journey easy. I recommend to anyone !
Anton HermantoAnton Hermanto
05:34 31 Aug 23
I was recommended the service of Phil through my Real estate agent.,if you need assistance with your home lending please go and see Phil, exceptional service and with his corporate Banking background he understood our finance need and was able to recommended the right product for us.Thank you Phil & team
Andrew ThorntonAndrew Thornton
01:20 28 Aug 23
Phil was brilliant. The turnaround for our re-mortgage was very quick, and Phil made the process seamless. Would recommend 10/10.
Keeley-Anne loweKeeley-Anne lowe
05:37 18 Aug 23
Phil & his team are amazingThey supported us through buying our first home in Australia, they were always on hand to answer our many questions either via email, phone or in person.Super professional but also down to earth and friendly- would 100% recommend
Jason in Byron BayJason in Byron Bay
08:30 17 Aug 23
Great team and very easy to work with with....Highly recommended
Dino BaroneDino Barone
07:38 17 Aug 23
I cannot express how grateful I am for the exceptional service I received from Phil during my journey to buy my first home. From the very beginning, his dedication to guiding me through the complex process of obtaining a mortgage was truly remarkable.Phil demonstrated a level of honesty and transparency that I never expected from a mortgage broker. He patiently walked me through all the available options, explaining every detail in a way that made sense. His expertise gave me confidence in the decisions I was making.What truly set Phil apart was his commitment to my best interests. He went above and beyond to find a loan that was tailored to my financial situation, ensuring that I wasn't taking on more than I could handle. His advice was always genuine and well-informed, and I never felt pressured into making any decisions.Throughout the entire process, Phil was incredibly responsive. He promptly answered all my questions, no matter how big or small. It was evident that he genuinely cared about my experience and wanted to see me succeed in securing the best mortgage for my new home.I cannot recommend Phil highly enough.
Eliza SmithEliza Smith
20:40 14 Aug 23
Phil and the team at Professional Lending Solutions worked with us efficiently to help us secure our family home. The team kept us informed and helped us every step of the way. Our experience with Professional Lending Solutions was fantastic and I would highly recommend!
Roland PetersonRoland Peterson
22:59 03 Aug 23
This business does a very professional job and made the whole process of our financial application smooth and easy. Phil also was very responsible and respectful and i felt we could trust him and his process as well. Highly recommend this broker!
Nick TurnerNick Turner
06:52 02 Aug 23
As a first home buyer the whole process was a bit daunting. Phil and the team were in real and simplified the lot. They really went to battle with the banks for me (being self employed) and got me the best possible outcome. Can’t recommend them high enough !
Harley BericHarley Beric
07:12 21 Jul 23
Phil and his team went above and beyond with the service they provided.I have been a long term client of PLS as I could not find a house that met my budget.Phil was very understanding as he listened to all my questions I had to ask. He provided me honest feedback which made me feel safe and comfortable that I made the right choice in choosing him.Because it was my first time buying, PLS answered every question I had without frustration or judgement as they had to explain things to me once, twice and something a third.It was a very stressful life decision that should not be taken lightly and with Phil and his team behind you, you will never be made to feel as if you made the wrong choice with choosing them as a Broker.Many thanks once again.
Sinead BroadmoreSinead Broadmore
09:01 08 Jul 23
We couldn't recommend Phil and his team enough. They were amazing and so helpful through the whole process. Having only moved to the country 6 months prior it was a stressful situation for us but they made it so easy and stress free. Will definitely use them in the future if need be!!
Nathan ThomasNathan Thomas
03:20 20 Jun 23
Phil and the team from Professional Lending Solutions were very easy to work with and as with the name states were very professional!For clarity I’ve known Phil for many years and I’ve seen how he was able to help others get into their first homes and even second homes. It was now our time for the team to help us.We had many questions and were able to get all the answers we needed to make the right decisions.If your looking for a professional team that takes the time to explain all the processes, keeps you informed and gets things done then take the time to give them a call to see how they can help make your dreams a reality!
Donna hughesDonna hughes
05:53 22 May 23
We went to see Phil to refinance our home loan and consolidate our loans. Phil was full of information and very professional. We couldn't believe how quick Phil had got everything done for us. So thankyou very much Phil we would definitely be referring family and friends.
Phil, Jenny and the team at Professional Lending Solutions were more than what we could of hoped for. Very informative and were there through every step of the process. We couldn't done it all without them. I cannot recommend them highly enough. Every single one of the team is friendly and totally professional and helped put us at ease through every step.Thank you!
Marie HibbertMarie Hibbert
01:05 21 Mar 23
We were reccomended Phil and his team from word of mouth (people I work with). As first time buyers we had many questions and alot of learning to do. Phil and his team were always a email or phone call away and were happy to answer all the questions we had. The process was easy from our very first face-to-face meeting and we felt confident in putting our trust in this team. Thank-you so much for starting us on a property journey. We would highly recommend their business! Pete and Marie
Kyle RobinsonKyle Robinson
03:20 14 Mar 23
Phil & his team were absolutely amazing through the whole process of buying our home. They were happy to answer any and all of our questions no matter how silly they were and guided us through the whole process. They made buying our home stress free and let us enjoy all the excitement without having to be concerned about all the small details.If you are looking to buy a house or even just considering it you should definitely give Phil and his team a call. They will get you right on the path to your home.
BrentBrent
00:27 14 Mar 23
Phil got our first home loan 8yrs ago when we thought we couldn't and since then we've refinanced several times to ensure best rates as well as a business car loan. Always a personal approach, highly recommended.
Michelle KMichelle K
03:14 08 Mar 23
The best brokers in the business.Phil and the team at PLS went above and beyond to help us refinance our mortgage and find the best solution for our circumstances.Phil is professional and fantastic to deal with.Highly recommended!
jake smithjake smith
08:30 19 Jan 23
Very happy we went with Phil and his team, being our first home we didn’t know what to do or understand a lot about buying a property we just knew we wanted one and Phil and his team walked us through every step and made it easy! Would 200% recommend
Sarah CameronSarah Cameron
00:13 11 Jan 23
Mel, Phil and the team at Professional Lending Solutions were simply amazing. Nothing was too much of a hassle. They made the whole experience extremely easy, stress free and had it approved within 3 days. We couldn't be happier with the service and would highly recommend their business! Will be using again!
Kirsty ScottKirsty Scott
07:53 15 Nov 22
Phil was incredibly helpful, patient and honest throughout the entire process of re-financing. I appreciated his thorough and detailed answers to my questions, as well as his amiable nature. He was open and spoke with great candour, ensuring the entire process was simple, stress free and, straightforward. All in all a top bloke and skilled broker who I would certainly recommend. Thanks again!
Lisa VinczeLisa Vincze
10:00 29 Aug 22
You should use Phil and the team at Professional Lending Solutions! We have used them a couple of times and they make it so much easier to manage the mortgage process - and know you’re getting the best personalised deal. Phil is so lovely and very responsive. Will be using them again.
Jordan SummersJordan Summers
00:29 29 Aug 22
We recently went through the often stressful process of selling our home and purchasing another. Phil and his team came up with the best tailored finance solution for our situation and were always on hand to provide guidance around the process from start to finish.I couldn’t recommend Professional Lending Solutions any higher, they were simply superb to deal with!!!!
Jennifer McLeodJennifer McLeod
00:20 29 Aug 22
Many thanks to Phil and the wonderful Professional Lending Solutions team! Having Phil in our corner for our financial needs has played a key role in securing the appropriate home loans for us. Highly recommend!
Renee AgnewRenee Agnew
02:57 04 Aug 22
Phil Verheijen has been fantastic in providing advice on all matters of the lending system for purchasing my first property. I can highly recommend Phil as he is genuine and professional. Also his friendly team were extremely helpful.
Diana SaragozzaDiana Saragozza
04:19 27 Jun 22
Professional Lending Solutions were absolutely amazing. After several bad experiences with other brokers in the past. These guys were straight to the point, very professional, excellent customer service and got our loan approved so quickly. They provided support and advice before and after the purchase of our home.Highly recommended.
Michael FryerMichael Fryer
06:47 27 May 22
Dealing with Phil and the team at Professional Lending Solutions was amazing.Absolutely incredible communication and professional support and advice throughout.Phil was happy to answer all our questions and explained the process to us with great detail.If you ever need a good broker please do yourself a favour and see Phil. You will not be disappointed. Thanks again Phil and the team at Professional Lending Solutions. Keep up the great work.
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