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You can apply for the First Home Owner Grant (New Homes) scheme (FHOG) through your bank or financial institution when you arrange finance to buy your home. If you've already completed the purchase process or construction has commenced, you can send your application straight to us.
Tax returns. Pay stubs, W-2s or other proof of income. Bank statements and other assets. Credit history. Gift letters. Photo ID. Renting history. Next steps: Can you afford to buy a house?
FHA loans are some of the easiest mortgages to qualify for, especially as the down payment requirements are as low as 3.5%.
Know Your Credit Score. It literally takes a few minutes to pull your credit report and order your credit score. Save Your Cash. Stay at Your Job. Pay Down Debt and Avoid New Debt. Get Pre-Approved for a Mortgage. Know What You Can Afford.