It’s a big decision, so it's good to have someone there to help you make the right one.

Buying a home is one of the biggest decisions you will make in life. We’re here to help you by making sure you have the right information and options available, to find the finance solution to purchase the house you want.

There are so many home loans to choose from, with new ones always being introduced and not to mention special offers and other 'deals'. A State Financial Services broker will not only help you find a loan that suits your particular needs, but will also assist you in completing the paperwork and will submit the application on your behalf.

It's for this reason that more than half of Australian borrowers now use a broker to secure a home loan.

Before you use a broker you might like to get a better understanding of the options available to you by visiting our Different Loan Types page.

You may also wish to try out our online calculators to help you determine your borrowing power and what your likely repayments may be.

At anytime on your home buying 'journey', feel free to call or email us and we'll do everything we can to find you a solution and make the process easier for you.

Time on your side

One of the biggest advantages of buying off the plan is time. Unlike traditional property purchases, with a relatively short windows to round up the total finance, you will have at least 12 months, if not longer, to settle. Savvy buyers will take advantage of this extra time to save their pennies and reduce their borrowings.

New home, no hassles

If you dream of a new home but have nightmares at the thought of building one, an off-the-plan purchase may be the perfect compromise. Although you will not get to design everything as you would with a custom-built home, most off-the-plan developments allow some customisation of finishes and fixtures. Make sure your contract outlines what you can tailor and that you are clear on any additional costs.

First-home-buyer advantage

Various incentives are used to attract first-home-buyers, which may add to the appeal of buying off the plan. Concessions vary across Australia and some have been curbed since January 1, so visit your State or Territory website for the latest information on grants and exemptions. You can also research your eligibility for stamp duty concessions on new properties at www.stampdutycalculator.com.au

Investment incentive

Off-the-plan apartments are often pitched heavily at investors due to the tax* benefits that come with depreciation on new properties and rental guarantees. Tax savings will depend on your individual circumstances, but generally the newer the property is, the higher the depreciation allowance will be for the building and fixtures.

Investors may also be offered attractive rental guarantees for a limited period. Make sure you do your homework on rental returns on similar properties in the area before accepting the developer’s terms. Be wary of over-inflated rental guarantees. Builders will sometimes promise a high-rent yield to lure investors but build the cost into the property price and then subsidise any gap themselves for a short period. When the rental guarantee expires, you may find the actual market rent falls well short of what you originally pocketed. If investing, make sure you have the option to manage the property yourself or with your chosen property manager from the time you take possession.

Beware a boom

Many buyers get swept up on a wave of rising property prices when they hand over their deposit in exchange for a floor plan. Historically, property is a consistent long-term performer, but property prices can plateau and even wane at the mercy of economic factors.

Buyers also need to be wary of over-supply, which may devalue their property.

Make sure you consider the bigger picture if buying off the plan. Research how many other developments are planned in the area and whether any increase in apartment numbers is justified by new or improved infrastructure, such as transport corridors, business precincts, universities or hospitals.

Be discerning about the developer

Make sure you purchase from a reputable builder and take the time to research their previous projects. Do they use quality contractors? Do they deliver projects on time? Make a point of visiting some of their projects so you can assess the finished product first-hand.