Helping You Take the First Step with Confidence
Buying your first home can feel overwhelming. I understand the challenges first home buyers face — from navigating mortgage options to understanding government grants. Our goal is to provide clear education and expert advice to help you make informed, confident decisions.
Our first homebuyer service
Mortgage pre-approval and lending guidance
Detailed reviews of your borrowing capacity and budget planning
Step-by-step education on the home buying process
Guidance on government grants and incentives
Clear strategies to make your purchase simpler and less risky
First Home Guide
The First Home Guide is designed to educate buyers, streamline the purchasing process, and empower confident, informed decisions—laying the foundation for successful first home ownership.
Buying Off The Plan
Purchasing a new home off the plan can feel overwhelming, but we’re here to simplify the process. Our guidance helps you navigate key considerations that are often overlooked, ensuring you make informed decisions with confidence and clarity.
Bank of Mum & Dad
Parental Support known as “Bank of Mum & Dad” remains a powerful tool for first home buyers, helping to ease financial pressure and make homeownership more achievable. If you're considering assistance from family, reach out to explore how we can facilitate a joint conversation to unlock your potential and plan a path forward with confidence.
Gold Nuggets
Looking to refine your home buying strategy? Download our key insights for valuable tips that can help guide your next move. Even better, let’s schedule a one-on-one strategy session - there’s no substitute for tailored advice based on real-life experience.
FAQs
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Obtaining pre-approval is a crucial first step in the home buying process. It gives you a clear understanding of your borrowing capacity, strengthens your position when making offers, and helps streamline your property search with confidence. Speaking with a lender early ensures you’re prepared and ready to act when the right opportunity arises.
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Rod Peirce and his team helps first home buyers understand their borrowing capacity and budget. While deposit requirements vary, our guidance ensures you plan for the right amount based on your personal financial situation and lending options.
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Beyond your deposit and mortgage repayments, you should consider additional costs like property valuations, inspections, legal fees, and potential government charges. Rod’s comprehensive advice helps you understand and plan for these to avoid surprises.
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Having a car loan can impact your borrowing capacity, as lenders consider all existing debts when assessing your financial situation. The outstanding loan amount and your monthly repayments are factored into your debt-to-income ratio, which influences the amount you may be approved to borrow. However, the effect varies depending on the size of the loan, your overall financial profile, and the lender’s criteria. It’s best to discuss your specific circumstances with Rod Peirce to get a clear understanding of how your car loan may affect your borrowing power.
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A thorough building and pest inspection is essential when purchasing a property. It helps identify any structural issues, potential safety hazards, or pest infestations that could lead to costly repairs down the line. Conducting these inspections provides peace of mind, supports informed decision-making, and can be a critical negotiating tool during the purchase process.
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Various government schemes are designed to support home buyers, particularly first-time purchasers, by offering financial incentives, grants, or concessions. Eligibility criteria vary based on factors such as property value, and location. It’s important to explore which programs you may qualify for to maximize your benefits and make your home buying journey more affordable and accessible.