Your first home, made clearer
Buying your first home is exciting, but it can also bring plenty of questions. From borrowing power and deposits to loan options, upfront costs and possible government assistance, we’re here to help you understand the path ahead.
At Dalton Finance, we provide clear, personalised guidance so you can take your next step with greater confidence.
We’ll help you understand
01. How much could I borrow?
We’ll review your income, regular expenses, existing commitments and lending goals to provide an indication of your borrowing capacity.
02. Deposit requirements
We’ll explain the deposit you may need, how your deposit can affect your loan options and the pathways that may help you buy sooner.
03. Repayment estimates
We’ll help you understand estimated repayments across different loan amounts, interest rates and loan terms, so you can plan with greater confidence.
04. Lenders Mortgage Insurance
If it is relevant to your circumstances, we’ll explain how Lenders Mortgage Insurance may work, when it can be required and the potential costs involved.
05. Grants and assistance
We’ll explore whether you may be eligible for relevant first-home buyer grants, concessions or government assistance programs.
From first questions to settlement
Personalised loan recommendations
We compare suitable lending options and explain the loan features that may align with your needs, budget and future plans.
Application support
We guide you through the application process and help you prepare the documentation lenders may require, from submission through to settlement.
Upfront-cost guidance
Buying a home involves more than the purchase price. We help you understand potential costs, including stamp duty, legal fees, government charges, lender fees and other purchase-related expenses.
Grant and scheme guidance
We help identify grants, concessions and assistance programs that may be relevant to your purchase, so you can understand the support that could be available.