The loan process.
From a quick chat to settlement, these are the steps to owning your first home.
Get in touchFirst Home Loans.
Buying your first home is an exciting time - but it can also be complicated - our job is to make it easy for you.
Getting into the property market is one of the biggest financial decisions you'll make. From confusing contracts and jargon filled paperwork to inspections and ultimately, sealing the deal – we’re here to give it to you straight.
Like the homes on your wishlist, no two loans are the same. Step by step, we’ll help you make sense of the nonsense, and work with over 60 banks and lenders to find the loan most suited to your first home.
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Say hello
It all starts with taking about one minute to answer a few simple questions right here. When you’re done, we’ll meet to talk about your goals, opportunities and next steps, in person or online.
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Get those goals
Once we know what you need, we’ll research 60 banks and lenders to provide you with loan recommendations best suited to your needs.
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The nitty gritty
Found your lender? Well sit back. We’ll do the paperwork and package, sign and lodge your documents to get you primed and ready for pre-approval.
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So… How much can you borrow?
If your pre-approval gets the tick, your borrowing power will be revealed. This amount is valid for three months and gives you a clear idea of what you can spend. Let the house hunting begin!
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Seal the deal
After all the ups and downs of the home buying hunt, you’ve found a home and made an offer. While you pop the champagne, we’ll keep track of your application to ensure it all runs smoothly.
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Settlement - your big day!
Get excited, it’s time for settlement. Sit back and enjoy the moment, we’ll let you know when everything is finalised and your lender has released the funds.
Mortgage Brokerage Adelaide Wide
At TTO Finance, we aim to make the mortgage process transparent and straightforward. Our experienced mortgage broker team compares multiple lenders to find options that match your unique needs, and we break down loan features and fees so you can feel confident about your decision. We handle the heavy lifting, from scouting out suitable products to managing complex paperwork, and our industry connections often let us negotiate better rates or terms, saving you money over time.
Because we’re accountants as well as brokers, we also consider how your mortgage integrates with your overall financial goals – something a typical broker might overlook. This approach benefits everyone: first home buyers seeking an easy, step-by-step experience, refinancers looking for improved terms, and investors aiming to grow their property portfolios. By focusing on your personal situation and financial objectives, we help make sure the mortgage you secure supports your vision.
How does a Mortgage Broker differ from going straight to a bank?
A mortgage broker compares multiple lenders and products on your behalf, potentially securing better terms than a single bank might offer. This gives you more choice, often at no extra cost to you. Beyond just interest rates, brokers evaluate factors like loan features and flexibility in repayment. They also save you time by doing much of the research and paperwork for you, while providing unbiased guidance since they’re not tied to one specific financial institution.
Do I pay fees for your Mortgage Broker service?
In most cases, we’re paid a commission by the lender, not by you. We’ll always be transparent about any fees involved, so there are no surprises. Depending on the lender, there may be additional charges like application or valuation fees, but we’ll clarify these upfront so you know exactly what to expect. Our aim is to ensure you get the best possible mortgage product without feeling burdened by hidden costs or confusing clauses. If a lender does impose any special broker fees, we’ll discuss them thoroughly before you commit.
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