How our customer Nidean bought her first home

“Last year when I was thinking about buying a house it seemed so impossible. After talking to Tian and hearing, ‘here are your options’, I knew there was a little bit of hope there; that it was possible.”

Finding the right property

Brisbane high school teacher Nidean purchased her first home with her fiancé earlier this year. They’d saved for a deposit and Nidean’s mum, Marion, helped them get across the line. “It was always our intention to give her money back, so we made the decision that we didn’t want a guarantor. We’re both the kind of people that don’t like owing other people things,” says Nidean.

Marion had actually used uno to refinance a loan and recommended Nidean chat to home loans adviser Tian Liu, who had worked extremely hard to help her.

“He was great: always contacting mum and I would say definitely going above and beyond what was the call of duty,” she says. “I contacted Tian and said, ‘we’d really like to work with you just because I know how good you were for her’.

As first home buyers, Nidean and her partner were eligible for the first homeowners grant and Tian talked them through a few things they needed to do to get the ball rolling.

“He explained to me the conditions of the grant, such as you’ll need to buy a place for under $500,000 [to be eligible], and the benefits – that you don’t pay capital gains tax and stamp duty and all those sorts of things.

“Knowing that made it a lot easier to look for properties and helped me filter the search,” Nidean says, adding it was a challenge to find a brand new home for under $500,000 in close proximity to the area they wanted to be in.

Nidean and her fiancé were about to submit documents to uno for pre approval when Nidean stumbled across ‘the one’.

“I was driving home a different way than I normally do and drove through this estate I didn’t know existed. I went home, had a bit of a search and found a place. We went and looked at it on the weekend and we put an offer on it,” she says.

“When I saw that property, we jumped on it quickly, because I knew there wasn’t a whole lot of time for us to make a decision.”

Marion helped them make a good offer on the property. “She’s a pretty good negotiator and a good conversationalist in those moments,” says Nidean.

“I think we were lucky in the sense that the offer was reasonable and they were willing to accept. And the benefit of buying a brand new home is that no one else has lived in it. So, there was no pressure on anyone to get out of there and for us to get in.”

And Marion was eager to see her daughter get a leg up on the property ladder. “I wanted Nidean to buy something because it’s going to get harder and harder for these young people to buy property,” she says.

Securing pre-approval

uno was able to move quickly, working extra hard to get the application over the line. “There were a few hiccups along the way,” says Nidean. We worked with Tian mostly in the beginning, then Torika and then with Remonda.

“Remonda probably had the toughest job towards the end because the finance was saying that we needed an extension on the settlement date and that could have cost us a lot of money. She worked so hard to push and escalate what she needed to so that we could get it in on time. It all happened very fast.”

When it came to finding the right loan, Nidean says she put her total trust in uno. “What I’ve learned, and I often reflect on processes that we go through, is that, it’s a very complex process to buy a house. I would have had no idea what I was doing if I didn’t go through a broker,” she says.

“I would ring Tian and say, ‘can you just check that I filled out this form properly?’ And he would say, ‘oh, no, you need to tick this box.’ And I just thought, ‘imagine if I sent it off.’ It’s a time saver. It also feels like a form of security in knowing that what you’re doing is through someone who’s credible.”

Moving in

Nidean and her fiancé moved in earlier this year. She is proud of what they went through and overjoyed by the outcome. “Last year when I was thinking about buying a house it seemed so impossible. After talking to Tian and hearing, ‘here are your options’, I knew there was a little bit of hope there; that it was possible,” she says.

“I see it as a big compliment to us and just think it’s a huge achievement to say, ‘we’ve done it’.”

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What our customers are saying

Gabe Windsor
October 26, 2023
What a fantastic experience using UNO Home Loans. Mike Parsons and the team were exceptional. Such an easy, hassle free experience, cannot recommend them highly enough. Mike Parsons was in touch every step of the way, and with him doing all the leg work, the transition to a refinanced home loan was a very easy one. Thank you!
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Laurisa Sticotti
July 1, 2023
Scott Wilkinson has been fantastic when dealing with my broking needs. He has held my hand through every step of the way and has made purchasing my first home a much more comfortable experience than I anticipated.
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Thusi Gamage
July 1, 2023
Awesome team, Very reliable and friendly. Scott Wilkinson is very experienced and knowledgeable.He guided us throughout the process and was available to help.
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Omar Zazou
June 1, 2023
I have worked with Scott Wilkinson to get my home loan and he has been a massive help to navigate my first home purchase. He has taken care of all the financial details and I didn't need to worry about anything. Highly recommend him for his professionalism, patience and support!
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Kelly O'Connor
June 1, 2023
You won’t find any broker better than Anita at UNO. We’ve told all our friends and family about her and will be using her for all our mortgages in the future! A stress free process from the start. She listened to our needs and was always available.
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Ashley Morson
We are truly grateful for uno home loans and our broker Karis Churchill. This is our second time purchasing a home with the help from Uno and both times have been a very positive experience. Our recent purchase had many obstacles due to different factors however it was our dream home and we were up for the challenge. Our broker Karis was a true support and went above and beyond. She communicated so well with our solicitor and the real estate agents. She kept us updated through every step and kept us motivated when things seemed impossible. Uno is very fortunate to have Karis as a broker and we would highly recommend her to anyone. Our family are so happy we are now in our new forever home. Thank you so much Karis and to the uno team!!!
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Ebubekir Demir
Thank you Eren for your quick and efficient turn around time to getting an approval for a loan. Will be recommending you to anyone that needs a quick and reliable loan.
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