There’s something magical about autumn in Secunda – the crisp morning air, golden leaves underfoot, and the comforting thought of warm drinks by the fire. And if you’re dreaming of making this cosy season the one where you finally step onto the property ladder, we’re here to help you do just that — smartly, smoothly, and with confidence.
Buying your first home is a big step, and it’s completely normal to feel a little overwhelmed. That’s why we at Seeff Properties Secunda are breaking it down for you. Whether you're picturing a neat townhouse with a little garden or a lock-up-and-go unit close to work, here’s what every first-time buyer should keep in mind:
1. Budgeting is Your First Best Friend
Before you start browsing listings, get real about your numbers. Work out what you can comfortably afford each month after all your essentials (and that all-important weekend cappuccino at your favourite café). Remember, there’s more to buying a home than just the bond repayment — rates, levies, insurance, and maintenance all add up.
2. To Deposit or Not to Deposit?
A deposit isn’t always necessary, but it can go a long way in improving your chances of bond approval — and may even get you a better interest rate. A good rule of thumb? Aim for 10% if you can. But don’t let a lack of deposit hold you back — our bond originator partners at Ooba can help you find the best options for your situation.
3. Credit Score Counts
Your credit record is a biggie. Banks want to see that you’ve been responsible with previous debt. Not sure where you stand? Ooba can help you check your credit score and guide you on improving it if needed. (Tip: settle store cards, avoid late payments, and try not to max out your credit.)
4. Affordability is Everything
Banks will assess your income and all expenses to decide how much they’re willing to lend. Just because you qualify for a certain amount doesn’t mean you should spend that much. Think long-term comfort — not short-term stretch.
5. Lean on the Experts
That’s where we come in. Our friendly team at Seeff Secunda, together with our in-house Ooba bond consultant, will walk you through the bond pre-approval process, help you navigate the paperwork, and be your sounding board every step of the way.
So while you’re bundling up this season and enjoying all things warm and comforting, take the first step toward your new beginning. Pop into our office for a chat and let us help you turn those property dreams into an address you can call home.
