First Home Owners Guide - First Home Ownership Made Simple

Welcome!

So you are thinking about buying

your first home. That's Great

Congratulations.

In my opinion, contrary to what we hear bandied around in the media, I think that it is a great time to become a home owner.

The reasons behind my views are many, the one that always springs to my mind first though is "Kissing your Landlord Good-Bye" once and for all. I can help organise your Australian loan.

Why Not Pay Off Your Own Home Loan Rather Than Your Landlord's Mortgage!

Regardless of interest rates, forecasts of gloom and doom that is the delight of newspapers and television, I think putting your hard earned money into your own than paying for someone else's home mortgage, is a good idea.

We have all seen interest

rates fall over the past year

and this of course makes

paying off your home

loan much simpler.

What many first home buyers (and home owners) often overlook is that the prices of homes has also fallen. The property market reflects these rate increases in two ways.

1. Rents Have Increased (Rent Demand is Strong)

2. Average Home Prices Have Fallen (Why Rent When its Cheaper to Own?)

How Would You Like A 9% Discount On

Your First Home?

It is common sense that when the cost of owning your own home (or anything else for that matter) goes up, demand for the homes you are looking to buy will go down. So why are Home prices accross most of the country falling, the RECESSION, people are scared and they are becoming imobilised financially.

In Australia we have seen this happen already. The price if the average suburban home has fallen by as mush as 9% in many areas on prices that we have seen only 1 year ago. There are bargains to be had out there, especially if you are prepared to do some hunting around.

If we look at an example of owning your own home now as compared with a few years ago you will see how much easier it really is now than it was then.

As you can see, it now actually costs you less to live in exactly the same home that it would have had you purchased your first home 3 years ago by hundreds of dollars.

I know it can be a very daunting prospect to start the process of owning a home of your own. Regardless of what you may hear buying your first home is hard work and it can be a little scary! There's the First Home Owners Grant to consider, concessions on stamp duty when buying your first home, your first home loan and how much your home loan repayments will be, how much should I pay WHERE DO I START?. The list of details to consider can seem almost endless.

Owning Your Own Home Is Hard Work

That is why I have put this information together for you. I help a lot of people take the first step towards owning their first home and once you get started you will see that it is all worth it, and I am here to help you every step of the way...

Are You Paying Off The Landlords Mortgage And Not Your Own?

After all who's home loan would you prefer to be paying off, your own for your very first home or for someone who has decided to invest in a property and have someone just like you fork out buckets of money, week after week to pay it off.

I think I can guess your answer....

So if you are serious about owning your first home, I want to help get you started.

Follow the links to other information that I have compiled for you. They are jammed packed with every piece of information you will need to help you become Australia's newest home owner. It is easier than you think and I would really love to help you achieve your home ownership goals (I get a real kick out of it!), and you do have a friend in the business now!

There is information on the First Home Owners Grant and the First Home Owners Stamp Duty Concession, I have put together plain English explanation of what you need to do to qualify for your First Home Grant and any concessions you are entitled to.

Everything You Need Is

Right Here

You can download my First

Home Buyers Checklist to

help decide on what you

want from your first home.

The First Home Buyers

Checklist is a great tool that we help you not pick just the right home, it will also help you compare you potential first home choices from another.

There is information on how to get your first home loan and a matrix you can print out to workout what your repayments will be. There is also a simple spreadsheet home loan repayment calculator for you to download and use to calculate your mortgage repayments whenever you want.

In fact if there is anything that you want more details about or you can think of something I haven't covered, you can contact me personally (phone or email) and I will be happy to help in any way I can.

Let me thank you for stopping by, and take this opportunity to wish you the very best with owning your first home. It is worth it and if I can help, it is my pleasure to do so. Together lets see if we can help "Kiss Your Landlord Good-bye" - forever.

To You & Your First Home.

Jamie Wadley

HunterWide Home Loans