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5 Things Every First-Time Homebuyer Should Know

By Shama Bhangu, Licensed Realtor in Melbourne

Buying your first home is a big step—but it doesn’t have to be a stressful one. With the right guidance (and the right mindset), you can go from confused to confident faster than you think.

  1. ✅ Get Pre-Approved Before You Start Shopping

Before you fall in love with that perfect kitchen or backyard, talk to a lender and get pre-approved. This will give you a clear picture of what you can afford—and shows sellers you’re serious.

💡Pre-approval gives you negotiating power and helps narrow your home search to the right price range.

2.💰 You Don’t Need 20% Down

It’s a common myth that you need 20% down to buy a home. The truth? Many first-time buyers qualify for loans with as little as 3–5% down. Some even qualify for zero-down options or down payment assistance.

Let’s talk about what’s available based on your income and location.

3. 🛠️ Budget for More Than Just the Mortgage

Besides your mortgage, expect to budget for:

  • Property taxes
  • Homeowners insurance
  • Closing costs
  • Maintenance & repairs

🎯Planning for these extras upfront helps avoid surprise costs down the road.

4. 🧭 The Right Realtor Makes All the Difference

A great agent doesn’t just open doors—they help you understand the process, negotiate on your behalf, and make sure no detail is missed.

I pride myself on being approachable, responsive, and fully committed to your success—not just your sale.

🙋Have questions? You should! I’m here to answer all of them.

5. 📚 You Don’t Need to Know Everything—That’s My Job

This might be your first time, but it’s not mine—and I’ll walk you through every step. You don’t need to know the market or the paperwork. You just need a guide you trust.

🧡No pressure. No jargon. Just clear steps and real results.

👋 Ready to Take the First Step?

Whether you’re just curious or ready to buy, I’m here to help—no pressure, just real answers.

📞Shama Bhangu
📍Westside Realty Group
📱 Call/Text: +61 434 233 971
📧shama.bhangu@westsiderealtygroup.com.au
🌐 Website: shamabhangu.com.au
📲 Follow me on Instagram @shamabhangu

Let’s make home happen—for you.

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