BUYING A HOME

Is a big financial commitment whether it’s your first home or an investment property Ellison Finance has been guiding families through the lending maze for many years. We are qualified and experienced and ready to give you the professional advice you need. 

We will negotiate with lenders on your behalf to obtain the best interest rate available. We ensure your loan is structured to enable you to pay it off as quickly as you can, saving you thousands of dollars in interest.

In short, we do the leg work for you and help reduce the stress that can often come with the home buying process.

MORTGAGE PRE-QUALIFICATION

Wanting to know where you stand? Our pre-qualification is a quick measure of your ability to get a loan. We look at your credit, capacity to repay a mortgage and will ask a few basic questions such as;

• “How is your credit?”

• “What is your Income?”

• ”What are your goals?”

From here we can make an assessment of how we can best help your situation.

PRE-APPROVAL

A pre-approved home loan gives you an idea of your potential buying power and approximate price range. This will allow you to house hunt or plan your build with confidence.

It will also let the seller know you are ready for action, making your offer stand out from the crowd. Pre-approvals will range on how long they are valid for, however if it seems you are running out of time finding a property that works for you, you can be sure we will be in contact to seek any necessary extension.

APPROVAL

Congratulations! You have found your dream home and signed a sale and purchase agreement. We help tick all of the correct boxes to get your final approval. From valuations to home insurance, we are here to assist you in meeting all of the lenders conditions as required.  

SETTLEMENT

This is the moment when the lender releases the money to you. We will be there for you during the settlement process to ensure everything goes smoothly.