Your first home
Understand the application process, down-payment documentation and costs beyond the purchase price. Ask which home-buyer programs may apply to your situation.
Home purchase mortgagesFind your home.
Find your home.
Know your mortgage plan.
From your first affordability conversation to the conditions before closing, FairChoice helps you understand your options and move forward with clearer expectations.
First home · Next home · Investment property
A plan for the home you’re buying.
Your next home
Coordinate your sale and purchase timelines. Discuss your existing mortgage, possible penalties and whether portability or bridge financing is available and suitable.
An investment property
Review the property, rental-income documentation and lender requirements. Financing options depend on the property and your overall financial situation.
From first conversation to closing.
Set a comfortable budget
Review income, commitments, savings and the payment you want to maintain. Discuss down payment and the money you need for closing.
Prepare your application
Your broker explains the documents and lender review. Understand the conditions and expiry of any pre-approval before relying on it.
Work through the conditions
After an accepted offer, your lender reviews the property and application. Your broker helps you understand outstanding requirements and coordinate next steps.
Start with the essentials.
Your broker will tailor the document list to your circumstances. Common starting points include:
- Your intended purchase timeline and price range
- Employment and income details
- Down-payment amount and source
- Existing debts and regular commitments
- Details of a current home or mortgage, if applicable
- Property details and purchase agreement, when available
Use the form for a brief introduction. Keep identity documents, account numbers and financial statements out of the message box.
Purchase questions, answered.
Should I talk to a broker before choosing a property?
An early conversation can help you understand your budget, documentation and financing options before you begin making offers.
Does pre-approval guarantee financing?
No. A pre-approval has conditions and may expire. Final approval depends on the property, supporting documents and the lender’s assessment. Discuss financing conditions before making a commitment.
Can you help if I’m self-employed?
FairChoice works with self-employed and complex-income situations. The available options depend on what you can document and each lender’s requirements.
Should I choose the lowest advertised rate?
Compare the payment and contract features too. Ask about prepayment privileges, penalties, portability and conditions. The most suitable mortgage depends on your plans.
What happens after I send an enquiry?
Your enquiry is saved for the FairChoice team to review. Include your preferred contact method and timeline so the first conversation can focus on your next step.
Let’s build your purchase plan.
Tell us where you are in the process and what you’re hoping to buy.