IR HOMES: If You Can’t Afford A House?

 

If you live in Queensland, you can use the $20,000 first-home buyer grant to put towards building a granny flat instead.

As bizarre as it sounds, Allan Pearson from IR Homes has confirmed that first-home buyers who cannot afford a house can still access the $20,000 Queensland Government grant if they build a granny flat.

He said, “This is a fantastic opportunity for first home buyers who are unable to afford the cost of their own home and LAND, as they can build a quality IR Homes' Granny Flat on a relative’s land.

It gives excellent, flexible, long-term opportunities for families at all stages of life … parents can buy equity, they can downsize into the granny flat as their children’s families grow, it can be rented out, used for other siblings … the opportunities are endless.”

 

Send your Inquiry now:-

IRH-FHB-GrFlats@u1strealty.com.au 

or Mobile:  0418 66 11 25

 

 

Owner Occupiers

  • TURN-KEY HOUSE AND LAND PACKAGES - TBC
  • TURN-KEY HOUSE AND LAND PACKAGES - READY BUILT

New Homes  - Greater Brisbane Areas

The Greater Brisbane area is being held up as an example of housing affordability, because 92 suburbs in the greater Brisbane area have a median below the average purchasing power ($392,000) of first-home buyers.

This is a great opportunity to secure a brand new turn-key house and land package in the Greater Brisbane, SE Qld area.  

Deal #1

4 Bed Home & Land Packages are priced from $339,980*

Choose from our well designed floor plans, offering these inclusions:

– Air conditioning in the living area
– 4 bedrooms with ceiling fans
– Main bedroom with en-suite/ walk in robe
– Modern kitchen with stone bench top
– Dishwasher and s/steel appliances
– Undercover outdoor entertaining area
– Brick facade and color-bond roof
– Fenced and landscaped
– Clothes line and letter box
– Double garage with remotes

 

Contact us today to arrange a suitable House & Land Package that meets your criteria! 

SEND INQUIRY NOW

* Final Prices are dependant upon Location, Land, Home, and Customisation chosen.

DISCLAIMER: Photos,floor plans, and  artist impressions are for illustration purpose only and the actual building may vary in layout, style and colours. Floor plan copyright remains with the Builder.

Purchasing A New Home

Somethings that you need to know when buying a home:

  • Genuine savings are required for a minimum 5% deposit of the amount you wish to borrow, as well as money to pay all related loan fees and purchase cost fees, if you wish to access the lower interest rate available to home buyers.
  • If you do not have a deposit saved, or you have a deposit of less than 10% genuine savings, you are able to access a home loan at a slightly higher interest rate.
  • Money is also required to pay the related loan fees which are usually between 5% - 6% of the property purchase price.
  • Your income will be assessed, the level of income you need to live off, and the remaining disposable income you have to service a loan with. Stability of income is also taken into account.
  • Your existing credit card and personal loans are also considered to measure how much of your income is already committed.

Note Well: First home buyers -

  • Genuine savings are required for a minimum of 5% deposit of the amount you wish to borrow, as well as money to pay all related loan fees and purchase cost fees, if you wish to access the lower interest rate available to home buyers.
  • Genuine savings are not gifted and are usually required to be shown as saved over a 6 month period.
  • Your income will be assessed, the level of income you need to live off, and the remaining disposable income you have to service a loan with. Stability of income is also taken into account.
  • Your existing credit card and personal loans are also considered to measure how much of your income is already committed.

There are many fees when buying a new home and setting up a loan. These fees generally come to an additional 5% - 6% of the property purchase price. There are several grants or exemptions that first home owners may be eligible for.

Each state and territory have different laws and regulation regarding these fees and grants. Click on the state or territory you are purchasing the property in to access more information on the exemptions, concessions and grants. You will also find the application forms for each of them where possible.

For more information on the First Home Owners Grant refer to www.firsthome.gov.au

 

Welcome

RedCap Finance Brokers are now able to be accessed online right now - just click the Apply Online Here Button below.

New finance products are entering the market every week so now, more than ever, we have a solution for most situations.

We have access to - Major banks, Non-Banks, Credit unions, Private Funders, car and equipment finance, business & commercial finance.

Please fill out the online form and submit it, and we will contact you within 24 hours.

APPLY ONLINE HERE

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Low Deposit Home Loans for 1st Home Buyers!

Get into your own home NOW.

U1st Realty specialises in helping First Home Buyers with minimal savings get into their own home faster.

Contact us now to see why many First Home Buyers have chosen u1st Realty &  IR Homes to assist them buy their First Home.

There is some lending criteria that you must meet to qualify:

  1. Are you employed with a combined household income of at least $75,000?

  2. Do you have a good credit history?

  3. Do you have a 6-12 month solid rental history with an agent with payments on or before due date?

  4. Are you eligible for the Great Start Grant (first home buyers grant)?

  5. Have you been with the same employer for the last 12 months?
  6. Are you a Citizen or Permanent resident of Australia?

If you don’t currently meet all of the criteria, please still register your interest as we might be able to offer some suggestions on how you can qualify.

Register Online Now

Prefer to speak with someone? Give us a call: (07) 3102 4477