Looking for a first home and a first home buyer loan can be intimidating, yet there are steps you can take to ensure that you stay in the driver’s seat.

Here are some helpful tips for how to stay in control on your property journey.

Cool, calm and collected

It’s natural to feel all sorts of emotions while looking for that perfect place; what you don’t want is to get emotionally attached to places that aren’t yet yours.

That’s because there is always the possibility that you might miss out. Alternatively, by falling head over heels for a property, you may lose the objectivity you need to see past the positives to the negatives lurking in the shadows.

It pays to keep a cool head and your options open, even when you think you’ve found the ideal place.

This way you will be in the right frame of mind to make financial decisions based on a property’s true value.

Take your time and do your sums

When it comes time to think about a home loan and finding a home finance package that is right for you, don’t rush yourself.

Such an important decision deserves careful consideration, research and some expert advice.

Make sure you find out your borrowing capacity and that you compare home loans to find the best fit for your situation.

You decide when the time is right

Of course everyone has an opinion about when the best time to buy is – but have you noticed how no one can seem to agree on the date?

That’s simply the nature of the property market. There are so many variables to take into account over the short and long term that you could spend forever waiting for the perfect set of conditions to arise before buying.

Really there are only two things that you need to concern yourself with – finding the perfect property and making sure you can afford it.

Once these two things are locked in, you have your finger on the ‘go’ button – it’s now up to you to press it!

You can contact Smartline Rockingham for home loan advice. Or complete our call request form and we’ll call you!