BY GT4 INVESTMENT PTY LTD — MORTGAGE & FBY GT4 INVESTMENT PTY LTD — TRUSTED MORTGAGE BROKERS ACROSS AUSTRALIAINANCE BROKERS AUSTRALIA-WIDE

Buying your first home is exciting—but also one of the biggest financial commitments you’ll ever make. With property prices, interest rates and lender rules constantly changing, it’s essential to prepare wisely. Here are five expert tips from GT4 Investment Pty Ltd, helping Australians secure smarter, stress-free home loans in 2025.

1️⃣ Check Your Borrowing Power Before You Search
Before attending open homes, understand how much you can borrow. Lenders assess income, debts, and credit history to decide your borrowing capacity.
At GT4 Investment, we analyse your finances in detail and provide pre-approval guidance so you can make confident offers without overstretching your budget. This step also prevents surprises during formal approval.
Tip: Aim for strong credit health—pay bills on time, reduce credit card limits, and avoid unnecessary loans.

2️⃣ Compare Lenders and Interest Rates
No two lenders are the same. Interest rates, fees, and lending criteria vary widely between banks, credit unions, and non-bank lenders. Our brokers compare more than 30 Australian lenders to help you secure the lowest rate and most flexible structure for your situation.
Whether you prefer variable, fixed, or split loans, we outline the pros and cons so you can balance stability and savings. In 2025, variable rates may fluctuate with economic shifts—so expert advice matters more than ever.

3️⃣ Maximise Government Grants and Schemes
First-home buyers often qualify for financial support, yet many miss out simply because they’re unaware of the programs available. Depending on your state or territory, you may be eligible for:
– First Home Owner Grant (FHOG)
– First Home Guarantee (FHG) (as little as 5% deposit without LMI)
– Stamp Duty Concessions or Exemptions
The GT4 Investment team stays current with every state’s policy changes and helps you apply correctly—saving thousands upfront.

4️⃣ Understand Loan Features and Hidden Costs
The cheapest advertised rate isn’t always the most affordable loan. Look beyond the headline interest and review the comparison rate, which includes most fees.
Common additional costs:
– Loan application and settlement fees
– Valuation or legal charges
– Lenders Mortgage Insurance (LMI)
– Annual package fees
Features like offset accounts, redraw facilities, and extra-repayment flexibility can save interest if used effectively. Our brokers explain each option clearly so you only pay for features that genuinely add value.

5️⃣ Get Pre-Approval and Professional Guidance
Having pre-approval not only clarifies your budget but also strengthens your negotiation power with agents and sellers. Working with a qualified mortgage broker means you’re not limited to one bank’s products.
At GT4 Investment, we do the legwork—comparing lenders, negotiating rates, and managing paperwork—so you can focus on finding your dream home.

Bonus Tip: Review Your Loan Regularly
Even after purchase, keep your loan under review. Interest rates and personal circumstances change. A refinance check every 2–3 years ensures you stay on the best deal available.

Why Choose GT4 Investment Pty Ltd?
– Nearly 20 years’ experience in finance and mortgage broking
– Access to 30+ lenders nationwide
– Transparent, client-focused service
– Assistance with home loans, refinancing, and investment finance
– Australia-wide support via phone or video
GT4 Investment is more than a brokerage—it’s your trusted partner on the journey to home ownership.

📞 Start Your First Home Journey Today
Make 2025 the year you own your first home!
Contact GT4 Investment Pty Ltd for a free consultation and discover the right loan options for your goals.
📧 denusha@gtfinancegroup.com.au | 📞 0426 822 971
Serving clients Australia-wide — Melbourne, Sydney, Brisbane, Perth, Adelaide, Canberra & Hobart.