Owning your first home is a big achievement, but the journey can feel overwhelming. At Clear Path, we are here to make it simpler. With expert advice and step-by-step guidance, we help you move forward with confidence.
Purchasing a home involves multiple stages, from saving for a deposit to securing financing and finally settling into your new home. Our guide outlines each step clearly so you will always know what’s next.
One of the biggest hurdles for first-time buyers is saving enough for a deposit. We help you: ✔ Figure out how much you’ll need ✔ Understand upfront costs beyond the deposit
Lenders use different criteria to assess loan applications, and the financial jargon can be confusing. We break it down in simple terms: ✔ Debt-to-Income Ratio – How much you owe compared to what you earn ✔ Loan-to-Value Ratio (LVR) – The percentage of your home’s value that you borrow ✔ Creditworthiness – How lenders evaluate your ability to repay the loan
As a first-time buyer, you may qualify for financial assistance, grants, or stamp duty concessions. We provide details on available programs and help you check if you’re eligible.
Selecting the right mortgage is crucial. We help you understand: ✔ Different loan features and interest rates ✔ Various repayment structures to suit your budget ✔ How to find a lender that meets your needs
After finding your dream home, there are a few final steps to complete, such as legal checks, inspections, and settlement paperwork. Whether you're buying through private sale, auction, or an off-market deal, we’ll guide you through each requirement to ensure a smooth transition into homeownership.