Next Home Buyers

Whether you're upgrading to a larger home, downsizing to better suit your lifestyle, or relocating to a new city, securing the right mortgage is a key part of making your next move a success. At Ladder we specialize in helping next home buyers navigate the financial side of their journey with clarity and confidence. We’ll work closely with you to understand your goals, assess your borrowing power, and find the most suitable mortgage solutions for your new situation. With expert advice and support at every stage, we're here to make financing your next home as smooth and stress-free as possible.

1. Initial Chat & Understanding Your Goals

We begin with a friendly conversation to understand your financial goals, personal situation, and what you're hoping to achieve as a first home buyer. This helps us tailor the right strategy from day one.

2. Gather Information & Documents

We’ll collect all the necessary documentation, such as ID, payslips, bank statements, and existing debts, so we can assess your borrowing capacity and prepare your loan application.

3. Loan Recommendations & Application Submission

Once we’ve reviewed your financial position, we compare suitable loan options from a range of lenders. We’ll recommend the best fit for your goals & needs, walk you through the features, and then prepare and submit your application. 

4. Conditional Approval & Next Steps

With your conditional approval secured, you can begin your property search with confidence. During this stage, we remain on hand to answer any finance-related questions and will liaise with your to ensure a smooth transition from offer to contract. We’ll also monitor timelines and keep your loan progress on track while you find the right home.

5. Loan Structure & Settlement

Once you've found the right property, we revisit your loan structure to ensure it still aligns with your financial goals, discussing things like offset accounts, repayments, and flexibility. From there, we coordinate everything through to formal approval and settlement, working closely with all parties to keep the process smooth and on schedule.

6. Post-Settlement Support

Even after you’ve received your keys, our support continues. We’re here for future loan reviews, refinancing options, and guidance as your financial journey evolves.