How Waiting to Buy a House Costs You Big Money [OwnHome Review]

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Mortgage Broker Brisbane - Hunter Galloway
Head Office: Level 10, 179 North Quay, Brisbane QLD 4000
PO Box 12780, George Street Brisbane QLD 4003
CBD Office: Level 20, 300 Queen Street Brisbane, QLD 4000

Hunter Galloway are an Award Winning Mortgage Broker based in Brisbane. We help clients from our local area, Australia, and all over the world. We believe buying a home should be stress-free and uncomplicated, and we will work for you to make your dreams become reality.

Next steps and settling your first home

Our team here at Hunter Galloway is here to help you buy a home in Brisbane. Nathan & Joshua Vecchio are Senior Mortgage brokers who specialise in making your home journey easy.

Unlike other mortgage brokers who are just one person operators, we have an entire team of experts to help make your home loan journey as simple as possible.

If you want to get started, please get in touch and we can book a time that suits you – either a phone call information session or a face to face meeting (which doesn’t cost anything for you).

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Hunter Galloway Finance Pty Ltd T/A Mortgage Broker Brisbane - Hunter Galloway ABN 20 605 252 926. Credit Representative 476903 is authorised under Australian Credit Licence 389328. Your full financial situation would need to be reviewed prior to acceptance of any offer or product.

00:00 Why waiting costs more – Australian house prices surge
00:24 Introducing OwnHome: buy with a smaller deposit
00:48 Avoiding Lenders Mortgage Insurance (LMI)
01:10 How OwnHome works: $1M Brisbane example
01:33 Step 1 – Your upfront contribution ($60k vs $200k)
01:55 Step 2 – The Deposit Boost Loan explained
02:18 Step 3 – Getting your main home loan
02:41 Step 4 – Two repayments: home loan + deposit loan
03:04 The trade-off: higher repayments vs banks
03:31 Who is OwnHome best suited for?
03:53 Key benefits: enter the market sooner
04:18 Lower upfront savings required
04:40 Avoiding LMI (with a catch)
05:03 Bonus: free buyer’s agent & support
05:25 Real example: nurse & tradie buying with OwnHome
05:49 Biggest risk: high repayments at 13%
06:15 Upfront fees (2.2%) explained
06:36 Other risks: borrowing power & negative equity
07:01 Alternatives: Government guarantee scheme
07:24 Alternatives: Bank of Mum & Dad (guarantor loan)
07:46 Alternatives: Waiting & saving vs rising prices
08:10 Two key questions to decide if it’s right for you
08:31 Free 15-minute discovery call with Hunter Galloway
08:53 Final thoughts & resources