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First Home Owners Sarah & Alan
Originally from the UK, Sarah & Alan never dreamed they’d be able to purchase property in Australia. The young couple tried strict budgeting and working additional hours but couldn’t seem to save enough for a full 20% deposit. With the help of Darren’s No or Low Deposit system, Sarah, Alan and their two dogs now own their own beautiful home on the Sunshine Coast.
Happy Homeowners James & Kimberlee
First homeowner James shares his No.1 Journey & how it feels to have the security of owning his own home. James has always dreamed of owning his own home & couldn’t be more happy to have finally ticked home ownership off this goal list.
Young Home Owners Veronica & Jose
s a young family, having a place to call home that would be stable, secure and safe became top priority on the list of goals they set out to work toward.
Unfortunately like many families, saving while paying rent, buying groceries and paying the bills became a significant challenge. It was Darren and the No1 Team, that helped Veronica and Jose turn their home ownership goal into reality with our First Home Buyer Boost.
Frequently Asked Questions
How do I apply?
No1 Property Guide’s mortgage managers will be able to apply for HomeBuilder through your relevant State or Territory revenue office or equivalent authority as this is part of our start to finish process for our clients. Once the State or Territory Government that you live in (or plan to live in) signs the National Partnership Agreement you will be set to start your new home journey.
I am not a first home buyer- can I access Homebuilder?
100% Yes you can. Provided you meet the eligibility criteria, you can apply for a homebuilder grant. However, Homebuilder is not available for investment properties or to owner-builders. Have you applied to get approved for a home before? It can be difficult but do not worry No.1 Property Guide can help determine the best approval strategy for your circumstance.
What is Homebuilder?
Homebuilder is a short-term incentive grant that aims to help the construction market recover the COVID-19 pandemic. Eligible owner-occupiers (including first home buyers) will receive a grant of $25,000 to build a new home or renovate and existing home.
Am I eligible to receive Homebuilder?
To access HomeBuilder, owner-occupiers must meet the following eligibility criteria:
• you are a natural person (not a company or trust);
• you are aged 18 years or older.
• you are an Australian citizen.
• you meet one of the following two income caps: $125,000 per annum for an individual applicant based on your 2018-19 tax return or later; or $200,000 per annum for a couple based on both 2018-19 tax returns or later;
• you enter into a building contract between 4 June 2020 and 31 December 2020 to either: build a new home as a principal place of residence, where the property value (house and land) does not exceed $750,000; or substantially renovate your existing home as a principal place of residence, where the renovation contract is between $150,000 and $750,000, and where the value of your existing property (house and land) does not exceed $1.5 million;
The No.1 Property Guide will help you through the eligibility process as we understand it can be difficult to navigate the criteria.
When can I access Homebuilder?
HomeBuilder will be available for building contracts signed between 4 June 2020 and 31 December 2020, where construction or renovation commences within three months of the contract date. We have a variety of full term key, no hidden cost House & Land packages across Australia that can be completed in as little as 36 weeks.
Will I get Approved for a home loan now that I have a larger deposit?
The New Homebuilder Scheme will increase your deposit however increasing your deposit does not necessarily mean you will be approved or can go to any Bank/Lender. You will still have to fit the Bank lending criteria which is dependent on multiple different components including age, income, credit history and number of dependants. No.1 Property Guide are home approval experts. We’ve helped hundreds of people get into the property market, even when they didn’t think it was possible.
Can I Buy A House With No Or Low Deposit?
Absolutely! Buying a house with no or low deposit has made life easier for thousands
of first home buyers. Become a happy homeowner with our Home and Land Packages Locations
Home and Land Packages
Once we know how much you can borrow, we can sit down and go over all your new home options.