All You Need To Know About Investing
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Dreaming of your first home or trying to figure out how to manage repayments once you’ve purchased it? You're not alone. For countless Australians, navigating a first-time property purchase can feel overwhelming.
From saving that all-important deposit to securing competitive mortgage rates and balancing home loan repayments with your lifestyle goals, purchasing property is a multi-staged journey. This is where expert guidance makes all the difference.
ActOn Wealth’s financial advisors for property are also qualified mortgage brokers, offering comprehensive support at every step. We'll help strengthen your financial foundation and develop smart strategies to make your dream home a reality.
With our holistic financial approach, you're not just ready to buy. You’re set to thrive.
How We Help Overcome Your Concerns
If you face any of the following obstacles, our specialist financial advisors are here to help.
Unsure if Renting or Buying a Home is Best for You
Buying a first home should not send you backwards. In the long run, homeownership is typically advantageous over renting. However, everyone’s circumstances are different. As part of our thorough financial services, we provide tailored advice and financial modelling so you can objectively determine the best scenario for you.
Saving for a Deposit
With most lenders now requiring a deposit of at least 20%, this can often be the biggest obstacle for first-home buyers to overcome. Getting you on an achievable, realistic budget is paramount to achieving this first step towards home ownership.
Exhausted from Researching the Mortgage Market
Dealing with mortgage jargon and calculations can be overwhelming. As financial planning experts and fully qualified mortgage brokers, we find the best deals for you and break them down so you can understand all the details.
Fear of Budgeting
We hear you. You think mortgage repayments will spell the end of everything fun in life, right? Wrong. We’re here to help make this a smart financial decision, not a life sacrifice. Budgeting can be a pathway to wealth, not a full-stop to the lifestyle you love.
Concern About Interest Rates
You’re right to be conscious about interest rates, this should be a major consideration in your financial planning for buying a new house. However, that’s where our modelling comes into play. We consider all scenarios to determine your achievable threshold and find a mortgage with a repayment plan you can afford now and into the future.
The homeownership journey brings challenges and opportunities at every stage. No matter where you are in the process, the right financial advice can have a potentially life-changing effect.
As both financial planners and qualified mortgage brokers, ActOn Wealth offers comprehensive financial guidance beyond finding the best home loans. Our boutique Melbourne firm is not aligned with any third parties. As such, we can develop personalised strategies that align your property goals with your complete financial picture, ensuring expert lending advice that truly serves your best interests.
We firmly believe that understanding and managing your cashflow and budget is the solid bedrock of all great financial planning. This is especially true when dealing with sizeable, long-term mortgage repayments. Our experienced financial planners can introduce you to achievable savings techniques and practices that can make a world of difference.
Whilst owning a first home is a major life achievement, your wealth creation strategies should not stop there. On the contrary, diversifying investments (and ensuring there are never too many eggs in one basket) is key to safeguarding your wealth. Whether it’s time to look at shares, stocks, superannuation or other investment opportunities, our financial planners are ready to assist.
The moment you become a homeowner, the stakes increase. Those monthly payments don't pause when life gets complicated. That's why protecting yourself and your loved ones with comprehensive insurance isn't just wise—it's essential. Shield your home, your dependents and yourself against whatever life throws at you with robust risk protection insurance.
Solid Guidance for Your Biggest Investment Yet
Partnering with an experienced financial planning firm can make all the difference when dealing with home buying challenges. ActOn Wealth brings decades of collective expertise to help you secure the most favourable mortgage terms while optimising your overall financial strategy.
We don’t just focus on the property purchase—we analyse your complete financial picture, from investment portfolios to tax implications, ensuring this transaction aligns with your long-term wealth-building goals. With our deep industry relationships and proven track record of client success, we can potentially save you thousands of dollars over the life of your loan.
Secure and maintain your dream home with specialist financial support.
Buying your first home can be overwhelming — but it doesn’t have to be. Whether you're just starting to explore the market or you're ready to take the next step, our free First Home Buyer Finance Pack is designed to give you clarity and confidence throughout the process.
Inside the pack, you’ll find:
A simple breakdown of your finance options
Government grants and schemes you may be eligible for
Tips to improve your borrowing power
A step-by-step guide to getting loan pre-approval
Common pitfalls first home buyers should avoid
Download the free Finance Pack
Turn the Key to Your First Home and a Whole New Financial Outlook
Whatever stage of the home-buying journey you’re in, our Melbourne financial advisors can help maximise the benefits and make the process as smooth as possible. Contact us today about financial planning for buying a new house.
Home sweet home, here you come.
A typical Australian residential mortgage can last anywhere from 20 to 35 years. Add to this the fact it’s likely your single biggest life investment to date and it stands to reason that you should only go ahead after careful financial consideration and planning. ActOn Wealth is well-placed to assist in all areas, from finding the best mortgage deal to managing your budget and cashflow, protecting your assets and growing other wealth-generating streams.
The majority of lenders will ask for at least a 20% deposit. This alone can be a real obstacle for first-time home buyers. ActOn Wealth financial advisers can assist in devising tailored budgets and cashflow plans, as well as other investment opportunities that can help grow your deposit faster.
No, ActOn Wealth is a privately owned financial planning firm with its own Australian Financial Services Licence (AFSL). We are motivated to explore the best products and services for you, as opposed to those with the best kickbacks for us.
The answer depends on your circumstances and the current real estate climate. ActOn Wealth financial planners are always abreast of real estate market fluctuations and interest rate activity. We will look at your specific situation in forensic detail and provide tailored advice.
The Australian government's First Home Super Saver Scheme allows you to use some of your eligible voluntary super contributions to help fund your first home purchase. ActOn Wealth financial advisors can provide you with more information specific to your financial situation.
Head Office (Melbourne):
14/20 Commercial Road, Melbourne VIC 3004
Geelong Office:
Shop 7 Belmont Walk, Belmont, VIC Australia, 3216
13000 ACTON ( 1300 022 866 )
contactus@actonwealth.com.au
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