Welcome to your FHOB Squad

For Ballarat First Home Buyers

What you can borrow versus what you should borrow

The amount you can borrow and the amount you should borrow are sometimes two very different things. Before you apply for a home loan, it makes sense to realistically assess your financial situation. Here’s how to do it. Understand your borrowing capacityGenerally...

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Find my FHOB Squad

Buying your first home, whether building or buying an established house, can be a very involved process that includes lots of different people with various skills to get you to the point of putting your key in your front door for the first time. The whole process is...

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FHOB Fast Fact: LVR

When you talk to a home loan specialist you will hear the term LVR... a lot! But what is an LVR and why is it important? LVR stands for Loan to Value Ratio, the loan amount as a percentage of the value of the property. For example: if the value of your new home is...

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Saving for a deposit isn’t the first step!

You may have read articles written for first home buyers on where to start your home buying journey. Many of them will say that step one is to save a deposit. Sounds reasonable? While it is important to save as much as you can to put towards your new home, there are...

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The information provided on this website and it’s blog articles has been  prepared without taking the individual objectives, needs and  overall financial situation into account. For this reason, the  appropriateness of the information should be considered and, if necessary,  professional advice should be sought.