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HashChing is Australia’s first online marketplace allowing consumers to access great home loan deals without having to shop around. Completely FREE to consumers, HashChing connects you directly to verified mortgage brokers who can further negotiate a better rate from the lenders and save you time, hassle and money.

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Dimuth

2 years ago

Hi Sia, You definitely need to get conditional /Pre-Approval, but before we go any further we will need to know the following 1. Where do you want to buy? 2. Have you looked at your borrowing capacity? 3. How much of Deposit do you have 5% minimum? These are some of the questions I have for you but assess you accurately I request you to click on my profile and contact me and we could get started Regards Sam

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Nicholas

2 years ago

If you are looking for assistance on a loan in the Northern Territory please don't hesitate to contact me through the profile link. Regards Nick

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iqbal

2 years ago

hello Sam my name is iqbal pre approval is must this will give you an idea who much you qualify I need bit more information like any kids how old are they any other debt you might have please click my profile and get in touch with me so I can try to get you best deal around regards iqbal

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Michael

2 years ago

Hi Sam, thanks for reaching out during this very exciting milestone in your lives. My name is Michael Zuppa and I am based in SA and have an office in QLD but service across the nation. First and foremost definitely recommend a pre-approval without any doubt and that’s really to ascertain your capacity and repayment details (note preapprovals expire after 90 days). Based on your combined incomes taking into account your car loan I would envisage borrowing capacity range of $450-520k. Please note you haven’t made mention whether you have any financial dependents, if so the borrowing capacity will reduce (just bear this in mind). Only other piece of information I would need from you is any deposits amount. Can you please provide what funds you have saved and also the purchase price of your home you would feel comfortable in spending? That way I can provide you with applicable stamp duty and provide you with the exact deposit you will need. Whilst some brokers have provided you with interest rate details, please note these rates will increase if you’re borrowing more than 80% of the property value. However you would expect a rate between 3.69%-4.24%. Looking forward to your reply. Many thanks Michael Zuppa

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Bulelwa

2 years ago

Hi Sam and Sia, Congratulations on taking care of your future wealth as early as possible. Always, Always get a pre-approval even when you feel confident that you will be approved. You avoid the stress of over reaching and ending up not being able to complete the transaction because your borrowing capacity is less than you assumed. This approach also guarantees peace of mind. What discipline is your PhD in Sam? Have you already scoped the full time employment opportunities? I have a few professional packages that I can assess for suitability. Please contact me via My Profile to discuss your situation further. I'd really like to help you. I admire you because I know how tough it is to complete a PhD. My youngest is graduating this month. Best Regards, Bulelwa Freer

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John

2 years ago

Sam & Sia hi, We think having loan approval first is paramount. You need to know and understand your borrowing power and what those repayments will look like. We offer complimentary borrowing power reports with any lender on the Australian market. Contact me if you want to know/ learn more.

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Steve

2 years ago

Hi Sam, yes I would recommend a preapproval. Are you in SE Qld?? If so, please call me so I can work out all the figures for you & assist with your loan application. You will need savings of at least 5%+ or do you have any family that might be willing to go guarantor?? Regards Steve

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Santino

2 years ago

Hi Sam, YES get pre-approval before you place an offer. You will need to find a lender who will be suitable to your requirements. I'd be more than happy to discuss further, you can click my profile for contact information.

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Jessica

2 years ago

Hi Sam, pre-approval is key here, best rate will depend on understanding your full circumstance, click on my profile and contact me, happy to help you secure your first home, Jess

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LEZLI

2 years ago

Hi Sia & Sam, Based on your current incomes, you could get from $470K-$510K - depending on the lender. FHO rate from 3.69% fixed for 2 years. If you wish to contact me via my Profile page, we can talk more. What State do you live in? Check what the FHOG is for your State before you rush in & do anything. As there are changes after 1/7/17 for FHO. Look forward to hearing from you. Lezli

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James

2 years ago

Hi Sia, Both incomes can be used. Your car loan would reduce your borrowing capacity. Definitely recommended to get a preapproval first which can be arranged by your broker and it's a free service. Another important question is your deposit. Feel free contact me or any brokers to assist you. All the best, cheers James

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Peter

2 years ago

Hi Sam, I recommend obtaining a pre approval and you'll have several options which I'd be glad to go through them with you. I'm based in Adelaide. Good luck Peter

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Azm

2 years ago

Hi Sam, pre-approval is definitely recommended before you put in an offer. Scholarship income can be accepted in certain cases. Contact me if you need more help. Regards Azm

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Juergen

2 years ago

Hello , at eFinance Home Loans we go through a detailed Needs Analysis to identify your objectives and ask you a number of questions on what you are looking for in a loan and how this can be the beginning steps in your wealth creation strategy . As a First Home Buyer couple looking to finance your first property we can offer rates from 3.69% as FHOG applicants , it can be a daunting process and at eFinance Home Loans we support and guide you through those first few difficult steps . I would be more than happy to discuss what your goals and aspirations would be in your next property purchase and accommodate this with a lending facility to match . I look forward to hearing from you soon !

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kelvin

2 years ago

Great Question - Borrowing for owner occupied home is to a maximum of 95% and 2-3% of costs. What is more important than the interest rate is who will provide the loan based on a 3 year scholarship. Right now Im not sure. Are you likely to continue with another grant or seek employment elsewhere? Based on the information above you are looking to be able to borrow around $500k.

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Jay

2 years ago

Hi Sam! I would always recommend to obtain a pre-approval prior to placing an offer as this gives you the security to know what you are eligible for and that the purchase will be manageable. In relation to Interest Rate, this will vary on a few factors. Some great offers available right now including First Home Buyer specials with rates from 3.69% along with Rewards Points redeemable for various items ($1,800 Coles Vouchers!). If you'd like, I'd be more than happy to discuss further - follow my profile for contact information. Best of luck! :)

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Ditte

2 years ago

Hi Sam, You can either get a Pre-Approval or you could give an offer subject to finance. I would recommend that you get a pre-approval first so that you know exactly where you stand. Best interest rate will depend on your entire circumstance. Please go onto my profile if I can help you further. Have a great day, Ditte

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AARON

2 years ago

Hi Sia, I would strongly recommend getting a pre-approval before you put in an offer so that you can be sure of your budget. Please contact me so we can arrange a time to get this in place for you. Aaron

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Dominic

2 years ago

Hi Sam, I have access to a special deal at the moment with one of the big 4 banks at 3.69% We can turn this around extremely quickly and give you the pre-approval to buy your first dream home. Just click on my profile and contact me if you would like to get started Regards Dom

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