Buying your first home in Melbourne’s east or south-east?
Fortis Capital Partners helps first home buyers across Ringwood, Croydon, Bayswater, Pakenham and surrounding suburbs understand their borrowing capacity, explore suitable home loan options and navigate the journey from pre-approval through to settlement.
Serving eastern & south-eastern Melbourne suburbs
Not a call centre
Transparent advice every step of the way
From checking how much you can borrow to getting pre-approval and through to settlement, we’ll be with you the whole way. We explain everything clearly, help you avoid common mistakes and work to get you into your first home sooner.
We’ll help you move forward with clarity and confidence.
We learn about you, your goals and your timeline.
We look at your borrowing power and deposit options.
We compare loans from 30+ lenders for you.
We guide you through pre-approval and next steps.
We stay with you through to settlement and beyond.
A 20% deposit can help you avoid Lenders Mortgage Insurance (LMI), but you may be able to buy with a smaller deposit depending on your circumstances and the lender.
There are also government schemes that may help eligible first home buyers purchase with a lower deposit. We can help you understand the options available and work out what deposit you may realistically need.
Your borrowing capacity depends on factors including your income, living expenses, existing debts, credit limits, dependants and the lender’s assessment criteria.
Different lenders can assess the same borrower differently. We can review your circumstances, estimate your borrowing capacity and compare suitable home loan options before you start seriously looking for a property.
Yes. Having a HECS/HELP debt doesn’t automatically prevent you from getting a home loan.
However, your compulsory HELP repayments can affect the income available to service a mortgage and therefore may reduce how much you can borrow. We can factor this into your borrowing assessment and explain how different lenders may view your position.
Home loan pre-approval commonly lasts around three to six months, depending on the lender.
If your pre-approval expires before you find a property, it may be possible to renew it. Your lender may reassess your financial circumstances, and changes to your income, expenses, debts or interest rates could affect how much you can borrow.
It’s often helpful to speak with a mortgage broker before you start making offers.
Understanding your likely borrowing capacity, deposit requirements and repayments can give you a clearer price range. If appropriate, getting pre-approval can also mean you’re better prepared when you find a property you want to buy.
Book a free, no-obligation chat with one of our brokers today.
Mon - Fri, 9:00am - 5:30pm AEST
Local mortgage advisers. Plain English. Better outcomes.
Director & Mortgage/ Credit Adviser
Director & Mortgage/ Credit Adviser
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