01
Buying your first home
Start with your deposit, income, expenses and priorities. We help you work through the application steps and identify which lending pathways may be available.
Explore First Home Buyers
A place to call yours
A home loan.
A life to build.
Your home is more than a purchase. Bring your deposit, borrowing position and plans together with finance considered around you.
HOME LOANS · GEMS FINANCE
Room for what comes next.
Your next chapter,
considered from every angle.
Make your next move
Every home story
has a starting point.
Buying for the first time, making more room or building something of your own. Start with the place you are today.
02
A home for your next chapter
Moving can mean coordinating a sale, a purchase and a new loan. Talk through timing, your current commitments and whether a bridging option is appropriate and available.
Plan My Next Move03
Building from the ground up
Construction finance can release funds at agreed stages. We help you understand the documents, progress payments and lender requirements before you commit.
Talk About Building
A home for the way you live.Look beyond the rate
Good finance
fits your everyday.
Consider fixed, variable or split rates alongside offset facilities, redraw, fees and repayment flexibility. The right starting point is how you expect to use your loan.
- 01 / Your repayments
- A comfortable budget, considered alongside your other commitments.
- 02 / Your flexibility
- Offset, redraw and repayment options that reflect how you use your loan.
- 03 / Your next chapter
- A structure to review as your plans and circumstances change.
The GEMS approach
Complexity,
meet clarity.
One considered process.
A person beside you at every stage.
GEMS
Your goals.
Our starting point.
- 01THE CONVERSATION
Understand
Your goals, circumstances and priorities come first.
We start with a conversation and a clear picture of your finances.
- 02THE PLAN
Structure
Consider the options and understand the trade-offs.
We discuss suitable pathways, loan features, costs and requirements.
- 03THE APPLICATION
Apply
Move forward with organised documents and support.
We help prepare the application and coordinate with the lender.
- 04THE NEXT CHAPTER
Settle
Stay informed through the steps that bring it together.
We remain involved as the lender and other parties work towards settlement.
For first home buyers
From the first question
to the front door.
You don’t need all the answers to begin.
Just a clear understanding of the next step.
- 01
Understand
Set your goals and a comfortable budget.
- 02
Assess
Review your deposit, income and commitments.
- 03
Pre-approval
Understand lender conditions and expiry.
- 04
Search
Find a property within your considered range.
- 05
Purchase
Check the contract and finance requirements.
- 06
Settlement
Coordinate final documents and funding.
Every purchase is different. Pre-approval is conditional and settlement depends on the parties and requirements involved.
Explore Your First HomeA little more clarity
