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we are with you all the way.

The steps.

We have a free and simple step-by-step service that's designed to help our home buyers get ahead faster, easier and with peace of mind. Here's an overview of the steps we will take with you throughout your journey to home ownership.


1. Pre-qualification

The pre-qualification process is a free assessment that allows us to get a clearer idea of your current situation. Our finance team will run your details through Lending Servicing Software. We can then determine what low deposit home opportunities may be available to you within or nearby your desired location.


2. First Appointment

Your first appointment is designed as an introduction to our service. Once pre-qualified we will meet with you at a suitable time and place. This is when you will meet your MWC Advisor. We will get to know you, discuss your goals and help you start your home buyer journey.


3. Formal Borrowing Capacity

Our finance team will confirm how much you can potentially borrow. You’ll need to provide proof of income by supplying your two most recent pay slips (or last two tax returns if self-employed). At this point we may also need to conduct a credit enquiry to ensure there’s no defaults on your report.


4. Property Selection

At this stage we will explore potential new home opportunities with you. We will select properties based on your affordability, area of interest and preferred house design (if applicable). We will then meet with you to present potential new home packages with you. Once you’ve selected your property you can sign an ‘Expression of Interest’ Form (EOI) to secure your new home.


5. Contract Signing

We will have contracts for your new home organised and arrange a suitable time to meet and assist you with contract signing. At this stage our finance team will also go through the home loan application, lender privacy docs and first home owner grant forms with you.

Your signed contracts will then be processed and returned to the vendor and your home loan application will also be submitted. We now await for finance approval from the lender and will contact you with any updates during this period. All contracts are subject to finance approval.


6. Finance Approval

Once your finance is formally approved, and you’re approved for the First Home Owners’ Grant, your contract will then go ‘Unconditional’ making it a bound agreement between you and the vendor. This is the part when you celebrate! You’re now ready to become a home owner!

We will then meet with you to sign the relevant home loan documents. Once we’ve lodged your home loan docs we then move towards settlement of your new home which can take around three to four weeks.


7. Financial Planning

Becoming a home owner and managing a mortgage will require some extra financial discipline. We’ll put you in touch with a financial planner for a complimentary consultation. Your financial planner can assist you with a budget plan and review your personal insurance policies.


8. Settlement!

Once your property has settled, the deal is done. The property is now yours and you’re now officially a home owner! If buying off the plan the builder will then begin construction of your new home. We will guide you through the build stages and keep you up to date with the current progress of your new home.

Get started.

If you'd like to explore potential new home opportunities and start your journey to home ownership with our team at your side, you can get started with your free assessment in a few simple steps.

get free assessment ›

Low Deposit Home Solution - Build or Buy a home from $5k deposit