How to Get Mortgage Ready Without the Stress

Buying a home is a big milestone but let’s be honest, it can also feel overwhelming. Between saving for a deposit, understanding the paperwork and juggling family life, it’s easy to feel like the process is “too much.”

The good news? With the right guidance, getting mortgage ready doesn’t have to be stressful.

I've come up with some steps to help you feel more prepared.

1. Know Your Borrowing Power

Before you start scrolling through property listings, it’s important to know what you can actually borrow. Your borrowing power is based on your income, expenses, savings, and debts. Understanding this early means you can set realistic expectations and avoid disappointment later.

2. Create a Budget

Use a budget planner to see exactly where your money goes. Small changes now can make a big difference later.

3. Build a Savings Routine You Can Stick To

Big goals are easier when you break them down. Setting up an automatic transfer to a dedicated “home savings account” each payday makes saving feel effortless. Even small amounts add up quickly.

4. Understand Your Options (Without the Jargon)

Not all loans are created equal and the right option for you depends on your unique situation. A good broker (like me!) will walk you through the choices, explain the pros and cons, and make sure you feel comfortable with your decision. Ask me anything, there are no “silly” questions when it comes to your home loan.

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