Finance For WA First Homes

31/10/2023

Over two thirds of Australians now use a mortgage broker over a bank when it comes to buying or refinancing a property, but have you ever wondered why? 🧐 Let’s look at 3 common reasons why home buyers are making dealing with a broker their first choice when it comes to their home loan…

1. Choice
A bank can only offer you their products, even if they aren’t the right fit for you. A broker however generally will be able to access 40-50 lenders or more, and will be able to narrow down a bank and product that not only offer great value, but also offer the best chances of approval. Additionally, a broker is bound by a Best Interests Duty (BID), to always act in the best interests of their clients!

2. Personalised Service
When dealing with a broker you have a direct line of contact to your home loan specialist - no overseas call centres here! The value of having someone to speak to who knows the ins and outs of your loan application and situation can’t be overstated!

3. Post Settlement Support
A broker’s job doesn’t stop at settlement. In fact, here at we do annual check ins with our clients to ensure their loan is still the best solution for them and that it is still competitive in the market. A bank, however is usually “set and forget” once the loan is settled, meaning you can often miss opportunities to save money along the way!

Want more info on how we can assist with your next home loan? Reach out below 👇

☎️ 08 9200 4840
📧[email protected]
Or find a link to Book An Appt in our bio 🔗

31/10/2023

Here at we are constantly striving to exceed customer expectations and we love receiving feedback on the great experiences our clients have had with us!

If you would like to experience the Neptune Finance difference, reach out to our team on 9200 4840, or head to the link in our bio to book in a call!

30/08/2023

MEET THE TEAM 👋

With nearly a decade of experience helping Western Australians realise their dreams of home ownership, Chris Herbert is the Director and Head Broker at Neptune Finance Australia.

With a genuine passion for all things property and finance, Chris will work closely with you to find the perfect loan for your situation, be it a first home, a forever home, a commercial loan or an asset purchase (such as a car or boat).

For an obligation free chat about your finance needs, feel free to call Chris directly on 0433 319 533 or DM us to book a time to meet up in person.

17/08/2021

It's been a long time since these articles have been around, however with increasing rent prices and a raft of affordable building options around Perth, there is now a number of areas where it is cheaper to buy than rent! 😱

Send us a PM if you want to explore options to ditch the rental and get into a place of your own!

With home loan interest rates at historic lows, paying down a mortgage is cheaper than renting in over 100 suburbs in WA.

13/02/2020

Experts predict house price rises in Perth are on the horizon, with 3-5% increases predicted for both 2020 and 2021!

Most capital cities are set to hit new records this year as the market rebounds and buyers take advantage of low interest rates. Here's where the biggest gains are expected.

14/10/2019

Are you currently renting in Perth? 🧐

Did you know that the median rent in Perth is currently $350 a week?

That means you're paying $18,200 a year! 🤨

Or $91,000 over the next 5 years! 😳

That's nearly $100k! 😱

Wouldn't it make sense to use that money to put towards something that you can call your own?

Your own little piece of WA? 🏠

But wait?

But don't you need $20,000 + deposit to get into a home?

Or to be earning 6 figures?

ABSOLUTELY NOT!

In fact, getting into a home of your own in WA has never been easier!

With low deposit finance options available, you can get started from as little as $990! 😎

AND...

We have finance options available for people earning $42k and above! 👍

So what are you waiting for?

Send us a PM today and we will talk you through a few easy questions to help determine if you qualify.

OR

Give us a call on 0433 319 533

Let's get you out of renting for good and into a home you can call your own! 🏠

04/10/2019

It's amazing what banks pay attention to these days!

Handy Tip: Tell your friends not to put stupid comments on bank transfers - while it might not be a reason for them to decline your loan, it definitely can drag out the process and cause the banks to look closer at your transaction history!

https://www.facebook.com/92409946191/posts/10157561742906192/

According to Domain, home loan applicants are facing intense scrutiny, with repayments labelled as charges for s*x acts or drug use being flagged by lenders.

19/07/2019

Great news on a new venue coming soon to Jindalee Beachfront!

How good is the architecture?!? Can't wait to check it out!

Operator Mathew Walker says boho style venue will cater for everyone.

11/07/2019

TIP OF THE WEEK!

Here at WA First Homes, we often get asked for tips and tricks when buying a first home. As such, we have decided to start a "Tip of the Week", which will cover a wide range of topics related to buying your first home.
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WEEK 1 - FINANCE - Bank or Broker?

People shop around for a new home, but rarely shop around for a great finance deal. The difference between a poor finance deal and a great one could mean a difference of thousands of dollars a year in mortgage payments!

We prefer using a reputable and trusted mortgage broker over a bank, as they generally have access to a large range of lenders and products, meaning a lot more options that may save you money in the long term.

Contrary to popular belief, there is generally no upfront fee for using a broker, and they instead usually share a commission with your bank of choice, meaning you are no more out of pocket than usual for taking advantage of their services. PLUS, with their wealth of experience they can usually help you save some money on fees, interest rates and other charges along the way too!

HAPPY HOUSE HUNTING AND HAVE A GREAT WEEK!
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IF YOU HAVE A QUESTION RELATED TO FINANCE, SEND US A PM, HEAD TO www.neptunefinance.com.au or give us a call on 08 9200 4840

03/05/2019

Amazing news for homebuyers in Perth, with approximately 11,000 Western Australian's who now qualify to build a home that didn't as recently as last week!

To find out how these changes affect you, give me a call on or send me a PM today!

Our blog features helpful articles, how-to guides, customer stories and the latest news and announcements from Keystart.

21/11/2016

Looking for some inspiration? Check out these modern kitchen ideas to motivate you in the design of your new home!

http://www.insideout.com.au/renovations/kitchen/20-best-modern-kitchens-article

Insideout.com.au; the home of renovation, expert advice, home interior styling and all the inspiration and tools you need to dream it, design it, do it.

17/10/2016

Interesting article based on a study by Swinburne University!

While it is harder to break into the housing market beyond 40, its definitely not impossible! Building wealth through property is a long term project and the earlier you can start, the better.

If you are thinking of getting into the market, and would like some open and honest feedback, feel free to give me a call or send me a PM!

Chris Herbert - Perth New Homes Specialist

http://www.news.com.au/finance/real-estate/buying/if-you-dont-buy-a-house-before-turning-40-you-never-will/news-story/f3efd7e3ab6b191eb1268d7ad5a8f00c

THERE’S a lot about turning 40 that many don’t look forward to.