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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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LEE

3 years ago

Hi Adolphus, I am an award winning broker with an office in North Melbourne and specialise in construction loans and First Home Buyers...Sounds to me like I (and/or my team) can help you. Please touch base with me so we can chat further :)Exciting times!

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Nikki

3 years ago

Hi Adolphus good news the builder I work with does build in Melbourne, so with the builders incentive , your savings and the first home owners grant we would just need to confirm employment details etc to get you the best deal, contact me through my profile for further informationBest WishesNikki

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Guido

3 years ago

Hi Adolphus Your employment status and then the deposit you must have are the two main facts you have to look at.In Western Australia you could, most likely, I would say use KeyStart the is a WA government “lender” helping people to get into housing ownership on special terms, including non fulltime employees.However; I think you should fill in the form on #ashChing and they redirect you to a local broker. This broker should know which lender could help you to get your own place.All the best

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Allan

3 years ago

Hi Adolphus,Your income & expenditure appear reasonable based on your family unit. As my other colleagues have said, it would depend on how long you have been in your current roles. This can be particularly relevant where there is mortgage insurance ( borrowing over 80% of the property value. I am based in Victoria & am happy to have a chat with you in further detail. You can contact me via my profile on this site.Kind regards Allan

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Domarina

3 years ago

Hi Adolphus,In addition to what they have Tristan and Dim have mentioned. How much deposit have you saved? Other things that you need to also consider when you are building where you have progress payments, you would also need to pay interest on the land and if you are paying rent so you need to make sure you have the funds for all of that, you will also need to pay interest as the progressive drawdowns are being done. Where as if you are buying something that is already complete then you will just move in and pay those repayments. Please feel free to contact me if you would like to discuss in more detail. Kind RegardsDomi

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Adolphus

3 years ago

Thanks Nikki, I live in Melbourne, Victoria

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Adolphus

3 years ago

Our combine monthly net income is 7,600. We have 2 dependents and our expenses are between $1400-$1600 a month. We are also debt free. We've deposited 5% on a land and its subject to finance.

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Nikki

3 years ago

Hi Adolphus, thank you for your inquiry. Not sure what state you are in but I work with a builder that can assist you in your purchase along with your first home owners grant, however we would need to pre approve your finances first, so would need more information on deposit saved and length of casual employment, Feel free to contact me through my profile to discuss your situationRegardsNikki

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Dim

3 years ago

The time that you have both been employed in your respective roles may determine the lenders available to you.

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