Buying guide

How to get a mortgage in 12 steps

Securing a home loan can be a little tricky - read our guide to make it easier.

Ben Tutty
Last updated: 27 May 2024 | 7 min read

Step by step guide to getting a mortgage

1. First figure out what you want

2. Next figure out what you can afford

3. Shop around to find the best lender

It's a great idea to speak to a motgage broker for help securing a home loan.

4. Ask your lender the right questions

5. Get your finances in order

6. Put together your deposit

Getting a home loan is often the hardest part of buying a home.

7. Apply for government assistance or get help from family

8. Find a good property lawyer

9. Apply for conditional approval with your lender

First comes the money, then comes the property.

10. Get homes approved by your lender then make an offer

11. Make it through settlement day

12. Move in and enjoy!

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Ben Tutty Ben Tutty