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Your Property Purchase Starts Here

Expert guidance from pre-approval to settlement — we make buying a property smoother and smarter.

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Introduction For Property Purchase

Buying property — whether it’s your first home, your next home, or an investment — is one of the most significant financial decisions you’ll ever make. It’s thrilling, overwhelming and full of twists if you try to navigate it alone. At Grange Finance, we’re not just mortgage brokers; we’re your strategic partners in property purchase finance.

From understanding your borrowing power to securing competitive home loans for property purchases and supporting you through settlement, we’ve done this hundreds of times — and know how to make it work for you.

What Buyers Need to Know Before Purchasing a property

  1. Pre-approval is a game changer — it tells you what lenders are willing to offer before you even make an offer.
  2. Know your budget realistically — include stamp duty, legal costs and ongoing expenses as part of your total buying cost.
  3. Loan features matter as much as rates — offset accounts, redraw and flexible repayments can save you money over time.
  4. Different lenders, different offers — we compare across a panel of over 50 lenders to find competitive terms.
  5. Your financial profile shapes your options — income, expenses and credit history all affect borrowing capacity.
  6. Timing and market conditions impact outcomes — prices change, interest rates change, and being prepared keeps you ahead of the market.

Home Loans for Property Purchases Explained

A home loan for property purchase is not just a contract for finance — it’s a tool that shapes your future cash flow, property value, and financial flexibility. In Australia’s market, lenders will look at your borrowing capacity and compare that to your desired property price and deposit, then structure a loan that fits your situation.

At its core, a mortgage for a property purchase means you borrow funds to buy real estate and pay it back over time with interest. But in practice, choosing the right mortgage is about matching the loan type and features with your short-term goals and long-term plans. Whether you choose a fixed rate for payment certainty, a variable rate for flexibility, or a split loan to balance risk and opportunity, we walk you through each option in plain English — and show you what that loan actually costs over time, not just what the headline rate looks like.

We take the guesswork out of the process by analysing:

  • Your income and living expenses
  • Your deposit and borrowing capacity
  • Loan features that fit your lifestyle
  • Lender terms and settlement timelines

Then we negotiate with lenders on your behalf, handle the paperwork and push your approval through to settlement — so you focus on packing boxes, not filling forms.

Benefits of Working with Grange Finance

  • Clear understanding of your borrowing capacity before you start property shopping
  • Faster pre-approval turnaround so you’re ready when the right property hits the market
  • Competitive home loan rate comparison across multiple lenders
  • Expert negotiation of loan features and terms you won’t find on your own
  • Reduced stress — we manage paperwork and deadlines for you
  • Post-settlement support to ensure your loan remains on track

Why Choose Us for Property Purchase

✔ Trusted Mortgage Experts

We’re hands-on professionals who know how lenders think, negotiate and price home loans — not just what’s available online.

✔ 50+ Lenders on Our Panel

We compare a wide range of lenders, from the big banks to specialised non-bank lenders, to secure the best property purchase finance options.

✔ Personalised Buying Strategy

Every buyer is different — and so is every property purchase. We tailor loan solutions to your unique goals.

✔ End-to-End Support

We handle pre-approval, documentation, negotiation and settlement support, and we’re here even after you’ve moved in.

FAQs

  • 1. Do I need pre-approval before making an offer?

    Yes — pre-approval shows sellers and agents you’re serious and helps you shop within your budget.

  • 2. What costs should I budget for beyond the deposit?

    Expect stamp duty, legal/conveyancing fees, lenders mortgage insurance (if applicable), and moving costs as part of total purchase expenses.

  • 3. Can I choose between fixed and variable interest rates?

    Absolutely — and we help you understand the real impact of each option on your repayments and loan flexibility.

  • 4. How long does the loan approval process take?

    It varies by lender but getting pre-approved can take a few days to weeks depending on documentation and financial complexity.

  • 5. What if I’m buying an investment property vs a home to live in?

    Different loan structures and criteria may apply — and we’ll guide you through investment loan options if that’s your goal.