Free guide for first home buyers
You've read the articles, followed the podcasts and the influencers, and everyone with a pulse has an opinion. You still don't know the first step. The First Home Roadmap is the 9 steps to your first home, in order, one page each, with the worksheets and checklists to actually do them.
Download the free roadmapPDF, 12 pages, 3 MB. No email needed.
From Joe
Most first home buyers I talk to have read fifty articles, subscribed to every podcast and influencer they can find, and still don't know the first step to take. They look at houses before they know their number. They apply with four banks to "see who says yes". They find out about stamp duty the week they make an offer.
None of that is because they're not smart. Not because they didn't try. They started looking into it, and now they've got unsolicited and conflicting advice and opinions from anyone with a pulse.
So I wrote it down: nine steps, top to bottom, and the tools to do each one.
Rate predictions. Auction tactics. "Best suburbs to buy in" lists. Whether to fix or go variable. None of it matters before step 1.
JoeMascaro Finance, Shoalhaven
Most people start at step 5, looking at houses. That's how they end up finding out about stamp duty the week they make an offer. Steps 1 to 4 are the ones that save you.
What you can comfortably repay, and what quietly shrinks your borrowing power.
Comfort budgetBefore you fall for a house, and without stacking up credit enquiries.
Paperwork checklistStamp duty, LMI, conveyancing, inspections and fees on top of the deposit.
Cash needed worksheetShift, overtime, casual and allowances. Lenders count them differently.
What to bring and askYour walk-away price, and the two conditions every offer should have.
Before-you-offer checklistExchange, cooling off, formal approval, insurance and settlement, in order.
Step-by-step timelineWhat to ask your conveyancer and how to read a building report.
Question listsThe bills nobody mentions and the yearly check that saves you money.
Year one checklistWhat your mate, your parents, your bank and the agent are actually good for.
Who to ask table
Joe has been absolutely awesome throughout our entire experience of purchasing our first home! He is amazing to communicate with and has gone above and beyond to make this stressful time as easy as possible! I would definitely recommend Joe to anyone looking for an stress-free experience! :)
I would recommend Joe to anyone looking for finance. My partner and I recently got in touch with Joe for our first home loan, he made the whole process really easy for us, answered all of our questions and was very responsive and quick with communicating. We didn't expect to get our approval so fast the whole process was excellent! 10/10 from us! Thank you Joe!
Joe is an absolute legend and i would definitely recommend him to anyone who is looking for some finance. Joe made the whole process so easy for me and my partner and got us a pre approval for a home loan super fast. Joe is a great bloke to deal with always happy to answer any questions and explains things very thoroughly. If i could give Joe 6 stars i would :)
Can not recommend Joe enough his work ethic to get the best results is unmatched and his ability to not only explain every step of the process but also keep it as simple as possible is amazing.
Dealing with Mascaro finance has been straight forward and stress free. Joe has always made himself available to answer any questions i have had and helped to guide me toward the decision that best meets my circumstances.
We recently refinanced our home and consolidated our debts with Joe at Mascaro Finance, and he made the whole process so easy. What stood out most was that Joe wasn't just after the sale. He gave us honest advice ... He explained everything clearly and took the stress out of the whole thing. We'd definitely recommend Joe to anyone looking to refinance or get on top of their finances. Thanks Joe!
Yes. Tap download and the PDF opens. No email, no form, nobody calls you.
No, that's the best time. Steps 1 to 4 are what you work on while you save, so you're ready when you start looking.
No. Jump to step 2 and make sure you're pre-approved, then step 3 so the costs on top don't catch you out.
Step 4 is for you. Lenders count that pay very differently, and matching you to the one that counts it properly is most of what I do.
For most home loans, no. The lender pays the broker.
No. The roadmap is written so you can do it yourself. If you'd like a hand, my details are on the last page.
Text me three things and I'll run your numbers: what you can borrow, how your pay is counted, and what it costs to get in. If you're not ready yet, I'll tell you what to fix first.
Haven't grabbed the roadmap yet? Download it here
