Buying your first home is an exciting milestone but we know it can also feel overwhelming. At Saan Home Loans, we're here to guide you through every step, making the process clear, simple, and stress-free.
Our experience and access to multiple lenders means you'll have the knowledge and support you need to make confident decisions. We take time to understand your goals and find the loan solution that's right for you.
Lower Rates:
Access to specialized "Professional Package" interest rates.
90% LVR with $0 LMI:
Many lenders waive LMI for engineers holding professional registration (e.g., Engineers Australia) or working in senior roles.
Service Benefits
Our approach is built on clear communication and personalized support. We believe every first home buyer deserves expert guidance without the confusion, and we're here to make that happen for you.
Understand your eligibility for First Home Owner Grants, stamp duty concessions, and government schemes that can save you thousands.
Get clear explanations of loan options, interest rates, and repayment structures tailored to your financial situation and goals.
We compare loans across multiple banks and lenders to find you the most competitive rates and favorable terms available.
Service Benefits
- Am I eligible for government grants?
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Eligibility for First Home Owner Grants and stamp duty concessions varies by state and depends on factors like property value, whether it's new or established, and your residency status. We'll assess your situation and help you understand exactly what you qualify for.
- How much deposit do I need?
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Most lenders require a minimum 5-20% deposit. The larger your deposit, the better your loan terms typically are. We'll explain your options, including Lenders Mortgage Insurance (LMI) if you have less than 20%, and help you create a deposit strategy.
- What can I actually afford?
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We assess your income, expenses, and financial commitments to calculate your genuine borrowing capacity. We'll show you what you can borrow and, more importantly, what you can comfortably repay while maintaining your lifestyle.
Your Success is Our Priority
We work with an extensive panel of lenders across Australia, comparing rates, terms, and features to find the perfect match for your needs. Unlike banks that offer only their own products, we give you choice and competitive advantage.
Step 1: The Strategy Session (Kick-Off)
- What happens: A 30-minute deep dive into your goals.
- Key focus: We identify your "Professional Tier" to unlock exclusive benefits
like LMI Waivers or Discounted Interest Rates.
- Your Action: Secure your session via our Online Booking Portal.
Step 2: The Digital Vault (Document Collection)
To move fast, we need a clean "Credit File." Use our secure portal to upload your essentials:
Step 3: The Blueprint (Pre-Approval)
- What happens: We compare over 5 lenders (Major Banks & Specialists) to find
the sharpest professional package.
- The Result: Pre-Approval (valid for 90 days), giving you the green light to bid with confidence.
Step 4: The Green Light (Formal Approval)
- What happens: Once you’ve found a property, we order the valuation and submit for "Unconditional Approval".
- Tech-Driven: Sign your loan offer digitally via secure e-signature platforms.
Step 5: The Handover (Settlement)
- What happens: We coordinate with your solicitor and the bank to manage the transfer of funds via PEXA.
- The Result: Settlement is complete—you get your keys!
Step 6: The Watchdog (Post-Settlement)
Our Promise: Your loan isn’t "set and forget." We provide ongoing services such as Annual Rate Reviews. We keep an eye on property growth to ensure another investment. Regular updates on current property market.
