Next Home Buyer

Buying Your Next Home

It doesn’t matter whether you are upgrading or downsizing, you need a home loan that will suit your lifestyle.  At AFM, we take a personal approach to lending, assessing customers on a case-by-case basis and not on a predetermined credit score. Our solutions-focused lending specialists will take your circumstances into account and help you obtain a competitive home loan.

Key AFM Home Loan Product Options

We have more than 500 different home loans from 5 funding lines including:

mortgage for renovations or construction

Construction Home Loans

If you are planning to build a new property, purchase land with the intention of building or even looking to perform major renovations on your existing home, then an AFM construction loan would be ideal for you.

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Lo Doc Home Loans

If you are self-employed and unable to provide the traditional proof of income, then an AFM Lo Doc Home Loan may be suitable as there’s less paperwork required.

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Bridging loans for current home owners

Bridging Loans

Buy your new home while you are waiting to sell your existing one.

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Specialist loans and alternative loans

Specialist Loans

AFM’s Specialist loans are ideal for those borrowers who may have suffered from credit blemishes in the past or who don’t meet the traditional lending criteria normally required to obtain a home loan.

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Feature rich flexible mortgage

Fully Featured, Flexible Loans

AFM’s home loans cater for all types of borrowers and are fully featured, including 100% Offset accounts, flexible loan repayments and fixed or variable rates.

What is a Bridging Loan?

A bridging loan is finance to help you purchase a new home before you’ve sold your existing one.

You probably plan to sell your home before buying a new one, but let’s say you’ve just found the home of your dreams and are itching to put in an offer. Or maybe you’ve decided to build a new home. Either way, with AFM’s Go-Between loan you can.

Unlike many bridging loans, our Go-Between loan doesn’t require you to make two separate loan repayments while you are selling your existing home. In fact, you don’t make repayments on the new home loan until you have sold your house or the bridging term expires. Once you have sold your home, you continue to make your mortgage repayments, which comprise your new home loan repayments and the compounded bridge loan interest.
What is a Specialist Loan?

A specialist loan is one that caters for borrowers who don’t meet the mainstream lending criteria set out by the big banks.

There are a number of reasons you might not meet these criteria. You may have a bad credit history, failed to meet LMI, previously been declined a home loan or just can’t provide traditional documentation.

But that doesn’t mean you can’t get a home loan. Our personalised approach to loan assessment takes into account a broad credit policy. We don’t use credit scoring and we manually assess every application. In our experience, each person’s circumstance is unique and we strive to find a solution tailored to your needs.

Contact us for more information or to discuss your mortgage requirements with an AFM lending specialist.

Not sure where to start or want to know which properties are in your budget?
Try our borrowing power calculator to see how much you are eligible to borrow.

5-Step Home Loan Application Process

Applying for an AFM home loan to purchase or refinance is hassle-free.
Go from pre-qualify to settlement in five easy steps.

pre-qualify for a mortgage


Find out how much you can borrow with an AFM pre-qualification

Submit your mortgage application


Submit your completed application form with accompanying documents.

What is mortgage conditional approval

Conditional Approval

Conditional approval is valid for 90 days. Once granted it is still subject to valuation and LMI approval

Home loan formal approval

Formal Approval

Once all conditions have been met your home loan will go unconditional

Home loan settlement step 5


Settlement occurs when the mortgage transfer from your existing lender has been completed or your solicitor or conveyancer will direct your lender to make the final settlement payments to the vendor (if you are purchasing a new property)

© Australian First Mortgage 2019 | ACN 079 790 364 | Australian Credit Licence 386 494