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Buying your first property is a big life decision. We are dedicated to being with you every step of the way to make the process as stress-free as possible. Whether you have only just started thinking about it or you are ready to purchase, we are able to offer you the resources, products and expertise to assist you on this journey.

It's never too early to have the chat!

Even if you feel that buying a property is still a long way off for you, we are still more than happy to talk you through the process and offer you some guidance which may help to set you on the right path.

View our Home Buyer Guide for more information on the process of buying a home including some handy hints and tips.

Ready to buy?

If you are ready to buy, we can offer you a fast approval so when the right property comes up that ticks all the boxes, you are in a position to purchase straight away

What options are available to me?

We have a number of options that are tailor made to assist first home buyers get into the market including:

  • First Home Buyers Loan - which offers a reduced rate for two years to any first home buyer purchasing their first home or investment property.
  • Family Helper Home Loan - which can assist you if you don’t have a large deposit saved up or you’re short on funds to make the purchase.

Talk to us today! Contact us on 1300 13 14 20 or email us today at info@secul.com.au, we are here to help

Find out more about our home loan products

  What documents do we require?

We will be able to give you a pre-approval as soon as have completed the loan application, however start getting the following document together as they will be required in order to obtain a full approval:

Evidence of income:

  • Copies of your last two pay slips
  • Copies of the last two Taxation Notice of Assessments (If self-employed)

Evidence of residence:

  • If you’re a current home owner, a copy of your current rates notice
  • If renting, a copy of tenant ledger report or lease agreement
  • If boarding, a statement from your landlord/ family member confirming how long you have been at the address and any amount you pay them

Evidence of commitments (what you owe):

  • If you have a current home loan, copies of your last full home loan statement
  • If you have any credit cards, a copy of your last full statement
  • If you have any other loans or commitments, a copy of the last full statement of each of these

Evidence of savings:

  • A copy of the most recent full statement of your savings account

 

  • Thank you so much for all your help along the way

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    You were vital to keeping everything running as smoothly as it did. I sincerely appreciate t

  • I have not experienced such excellent service when borrowing money

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    I really have to thank you for the work you have done today.

    I have not experienced such

  • Thank you for all your hard work

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    Thank you for all your hard work and the efficiency you have shown in getting approvals so f

  • Thank you again

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    Just want to take this time to thank you for your assistance with my paying off my home loan

  • Really great to be treated like a person

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    Once again thank you for all your help. It really great to be treated like a person. ‒ Di

  • Very helpful

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    All of your information is very helpful and it's been a joy dealing with you. ‒ Karen

  • Pleasant Experience

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    Each time we have had contact with any of the staff at Select Encompass Credit Union it ha

  • Most unexpected thrill to win

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    I wish to thank you for the IPAD I won by filling out a member survey and which I collected

  • How appreciative I am of your Credit Union

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    I can't believe that I have been with the credit union so long and I plan to be with you

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    Thankyou so much for your assistance. You can't know how grateful I am. I am just so g

  • You made the process extremely easy

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    Steve and I would like to say thank you for your help on our loan. You made the process extr

  • Nice to know a bank cares

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    Nice to know a bank cares! ‒ Liz

     

  • I just love the personalised service!

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    This is why I've stayed with a credit union just love the personalised service :) Thanks

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    I have been banking with the credit union for 15 years now and your services have grown with

  • I wish to highly commend staff at the Gymea Branch

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    I wish to highly commend staff at the Gymea Branch for extremely pleasant and professional s

  • Big tick for Select Encompass

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    Thanks for your help through the process. Big tick for Select Encompass for being an easy-