First Home Buyers

Seabreeze Wealth helps First Home Buyers access a Home Loan plus understand any Grants and Discounts their are eligible for. We'll help at every step

5.0

from 198 Reviews

We'll help you understand the loan types, grants and incentives to get you into your First Home

Purchasing a property is an exciting time, and there's no need to spend it searching for a loan. We're here to assist you in finding the perfect loan for your needs. As your dedicated broker, our focus is entirely on serving you.

We'll arrange a meeting at a convenient time for you, taking care of all the groundwork. With access to various lenders, we provide you with a range of options, ensuring you have the flexibility to choose what suits you best. Our expertise allows us to efficiently analyse different loan options based on your requirements, streamlining the selection process.

Furthermore, we guide you through the entire process, not just securing the finance. From completing paperwork to managing the application process, we'll see it through to approval, allowing you to focus on the excitement of your new home.

Our Recent Reviews

I had zero experience in the home buying world, and the team at Sea Breeze made the whole process extremely easy and stress-free, with 100% support, professionalism and timeliness through the entire process. I highly recommended Sea Breeze to anyone who wants to be in capable hands - either as a first home buyer or someone who has been through it all before. They are a boutique firm that really seeks to understand your needs and carefully explain what you need to know and guide you through the process. I can’t thank you enough for your help!!

Vicki Meintjes

Sacha and her team are absolutely amazing! Was so easy and smooth!!! Won’t use anyone else from now on!

j obertelli

The team at seabreeze did an excellent job refinancing my loan. They made it as simple and quick as possible and got me a better rate. Very happy with their overall services

Luke Olholm

It took me 4 weeks to get my offer in and settle on my first property, thanks to Sacha, Sarah and Jessica at Seabreeze Wealth. Being a first home buyer, I didn't really understand the process and steps involved, but the team handled everything with ease and made sure I was informed at every point along the way. Thank you so much, I really appreciate the care and timeliness through the process, and for making such an insurmountable task so easy. I didn't have to worry once through the whole process, which was such a relief. Thank you again! I highly recommend Seabreeze to anyone who is embarking on the property journey.

Vicki M

I want to thank Sacha, Sarah and Jess for their guidance, professionalism and quick turnaround for our home refinance. They listened to and catered to my list of must haves, guided me through the workflows, and made the process very simple and quick to navigate.

Allicia Burke

The team at Seabreeze Wealth were so personable and easy to deal with. Their communication was fantastic, and they made the whole mortgage process so much less stressful. Would definitely recommend! Sacha and the team were amazing.

Suzanna Gent

Frequently Asked Questions

Why use a Mortgage Broker?

When weighing the choice between using a mortgage broker or relying solely on a bank, it's crucial to recognize that your bank may not inform you about potentially more affordable options available from other lenders. In contrast, a mortgage broker provides a thorough comparison of various options. Furthermore, our services incur no cost to you, and satisfaction surveys consistently reveal that mortgage brokers surpass bank managers in customer satisfaction. We handle the complexities of loan applications and negotiate with banks on your behalf.

What government grants or incentives are accessible to first-time homebuyers or property investors?

There are several government grants and incentives available for first-time homebuyers. For instance, the First Home Owner Grant (FHOG) provides financial aid for purchasing or constructing a new home. Moreover, the First Home Loan Deposit Scheme (FHLDS) and Home Builder Scheme offer additional assistance. Property investors may also benefit from tax advantages and depreciation allowances. At Seabreeze Wealth we can provide detailed information on these programs and their potential advantages for you.

What is the criteria to qualify for the First Home Owner's Grant or stamp duty concession?

Each state sets specific eligibility requirements for the First Home Owner's Grant or Stamp Duty Concession. These usually involve confirming your citizenship or permanent residency status, ensuring that the property's purchase price meets certain criteria, and verifying that it is your first home. You can easily access links to the requirements of each state here.

Do you provide continuous support and reviews post-mortgage settlement to ensure my loan stays competitive and aligns with my changing circumstances?

Many believe our role ends once the loan is approved. While that's a crucial part, our dedication truly shines in our post-settlement service. We actively review every loan every six to twelve months, and we know which banks are open to renegotiating your loans. We're committed to keeping more money in your pocket rather than the banks'.

Are you able to assist with refinancing an existing mortgage to potentially obtain improved rates or terms?

Certainly. Refinancing an existing mortgage can be a wise financial decision to access better interest rates, tap into equity, or adjust loan terms. As a mortgage broker, I can evaluate your current mortgage and financial circumstances, explore various options available, and assist you through the refinancing process to potentially save money or accomplish other financial objectives.