{"id":23048,"date":"2019-03-13T17:11:30","date_gmt":"2019-03-13T06:11:30","guid":{"rendered":"https:\/\/timesnewsgroup.com.au\/surfcoasttimes\/?p=23048"},"modified":"2019-03-14T08:29:49","modified_gmt":"2019-03-13T21:29:49","slug":"a-new-approach-to-seeking-finance-and-finding-a-trusted-builder","status":"publish","type":"post","link":"https:\/\/timesnewsgroup.com.au\/surfcoasttimes\/real-estate\/a-new-approach-to-seeking-finance-and-finding-a-trusted-builder\/","title":{"rendered":"A new approach to seeking finance and finding a trusted builder"},"content":{"rendered":"

Over the past two to three years,\u00a0<\/strong>the lending environment has\u00a0<\/strong>dramatically changed in Australia.<\/strong><\/p>\n

Branch principal and wealth manager at Yellow Brick Road Geelong and Torquay Isaac Baker said that the banks are now looking for more supporting documents around income and savings to confirm an applicant can afford the loan they are applying for.<\/p>\n

\u201cThis is due to a number of economic circumstances, particularly to avoid a housing crisis like we saw in America in 2008.<\/p>\n

\u201cAn estimate I would say is that if a family could borrow $600,000 two years ago, they can only borrow $450,000 now.<\/p>\n

\u201cThe banks are now assessing customers at a higher interest rate so if interest rates were to increase in the future, they will still be able to afford their home loan, this, however, has decreased a lot of people\u2019s borrowing capacity.\u201d<\/p>\n

However, that doesn\u2019t mean first home buyers should lose heart and Isaac recommended potential first home buyers need to research as much as possible before they apply for a home loan.<\/p>\n

\u201cIt is very important to speak to a bank or mortgage broker as early as they can, so they can get familiar with what is needed to get a home loan approval,\u201d he said.<\/p>\n

\u201cThe most important parts to the approval they should be focusing on is income and savings, and avoid any liabilities, for example car loans and credit cards, as these can reduce their borrowing capacity.\u201d<\/p>\n

Isaac said that whether you want to buy an established home or build, your borrowing capacity will remain the same, however building has the advantage.<\/p>\n

\u201cFirst home buyers can receive the $20,000 grant if they qualify which can make it easier to gain finance.<\/p>\n

\u201cAs a first home buyer, I would always look at building as an option first due to this which can make getting a loan easier.\u201d<\/p>\n

Geelong Homes general manager Andrew Carroll recommended that first home buyers consider the bigger picture before they start shopping around for property or finance.<\/p>\n

\u201cEvery first home buyer should write down their needs now, and their needs in five years\u2019 time, then look at a house, whatever that house is, and its floor plans, and think about that house for their needs in five years\u2019 time not today,\u201d he said.<\/p>\n

\u201cFrom there, go through that financial discussion, look at what houses are out there and what specifications they have.<\/p>\n

\u201cMy advice for a first home buyer is really, really understand the products that are going into your home.<\/p>\n

\u201cIf you are comparing price, look at the longevity of the inclusions and products being used by each builder, it\u2019s a value proposition, if I\u2019m going to have to spend this money in five years\u2019 time, why not spend the $5,000 more now to save money in the long run.\u201d<\/p>\n

Geelong Homes sales consultants can also provide support for clients seeking finance to build their home, and have a list of trusted, reliable mortgage brokers on hand.<\/p>\n

\u201cWe don\u2019t take a referral fee, we do it for good service not for a monetary sense, unlike other builders who may take a referral fee from brokers,\u201d Andrew said.<\/p>\n

\u201cFor us, if it\u2019s an easy company to work with, and if they give our clients a solution and can help them, that\u2019s what it\u2019s all about \u2013 good work and solutions for our clients.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"

Over the past two to three years,\u00a0the lending environment has\u00a0dramatically changed in Australia. Branch principal and wealth manager at Yellow Brick Road Geelong and Torquay Isaac Baker said that the banks are now looking for more supporting documents around income and savings to confirm an applicant can afford the loan they are applying for. \u201cThis […]<\/p>\n

Read More…<\/a><\/p>\n","protected":false},"author":29,"featured_media":22908,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[29],"tags":[],"post_folder":[],"class_list":["post-23048","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate"],"acf":[],"yoast_head":"\nA new approach to seeking finance and finding a trusted builder - Surf Coast Times<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/timesnewsgroup.com.au\/surfcoasttimes\/real-estate\/a-new-approach-to-seeking-finance-and-finding-a-trusted-builder\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"A new approach to seeking finance and finding a trusted builder - Surf Coast Times\" \/>\n<meta property=\"og:description\" content=\"Over the past two to three years,\u00a0the lending environment has\u00a0dramatically changed in Australia. 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