Buying your first home, moving or investing? Explore loan options, then work with Wity on your borrowing position, deposit and the steps towards settlement.
Start with the home and the questions that matter to you.
/01First home
/02Next home
/03Investment property
Your next move
Start with where you are.
You might be saving, searching or already looking at a contract. Your loan plan starts with what you want to do next.
/01
I’m buying my first home.
Make sense of the numbers.
Work through your deposit, borrowing position and purchase costs. We can also check whether first home buyer assistance is relevant to your situation.
/02
I’m ready for my next home.
Plan around the home you already own.
Talk through your existing loan, available funds and whether you intend to sell or keep your current property. Those choices shape the next loan.
/03
I’m buying an investment property.
Look beyond the purchase.
Consider the new loan alongside your other commitments and future plans. We explain the lending options and trade-offs; a qualified tax adviser can advise on tax outcomes.
/04
I’ve found a property.
Bring the property into the plan.
Tell us the price, location and any contract dates. The property details help us check your funding position and work through the lender’s requirements.
Before you buy
The price is only part of the picture.
A useful budget brings together what you can contribute, what you may be able to borrow and what the repayments would mean for everyday life.
Start with income, regular expenses and existing debts. We work through those details so you can understand the assumptions behind your borrowing estimate.
02Your deposit and purchase costs
Account for the funds going into the property and the costs around it. Your funding position brings these together, rather than treating the deposit as the whole budget.
03Your repayments and loan features
Compare repayments, fees and the features you expect to use. The loan needs to make sense alongside your other commitments and priorities.
Borrowing estimates are indicative, based on the information you provide and subject to verification, lender eligibility and full assessment.
The next steps
From the first question to settlement.
Explore your options first. Your circumstances and goals guide the conversations and the loan plan that follow.
01
Match
Tell us about your purchase and financial position to explore matched loan options. These are indicative options, not a recommendation or approval.
02
Connect
Talk with the Wity team about your goals, circumstances and next steps. This is a discovery conversation; credit advice comes later with your adviser.
03
Plan
Your adviser explains your WityLoanPlan and recommendation at a Strategy Meeting. You can review the options and trade-offs before deciding whether to proceed.
04
Settle
Once you accept your loan proposal, we prepare the application and supporting documents for the lender. We work through its requirements and coordinate with your conveyancer towards settlement.
The lender makes the approval decision. Accepting your loan proposal authorises preparation; it does not lodge an application or guarantee approval or settlement.
A little more clarity
Before you take the next step.
A few useful answers. For the details that are specific to you, talk with our team.
The information on this page is general in nature and does not constitute personal financial advice. Loan options and borrowing estimates are indicative. Credit eligibility criteria, terms, conditions and fees apply. First home buyer assistance is subject to the relevant eligibility criteria and current rules.
