Countdown to Buying a Home Before Christmas

The festive season is fast approaching, and buying a home before Christmas is still possible. With the right support, you could be unwrapping gifts in your new living room instead of waiting out delays. A broker can help you make it happen.

Supermarket shelves already stocked with puddings and decorations are proof that Christmas is close. Just 14 weeks away.

Since most home settlements take between four and 12 weeks, buyers hoping to celebrate in a new place need to act now. A rushed purchase is never wise, but preparation makes all the difference. Being organised helps you avoid settlement delays when lenders and solicitors close for the summer holidays.

Here’s how a broker can help you secure a new address in time.

1. Check your borrowing power first

Before you attend inspections, book a chat with us. We will give you a clear idea of how much you can borrow.

Knowing your borrowing power means you can focus only on properties in your price range. This step sets the foundation for buying a home before Christmas.

2. Find the right loan and lender

A home loan is a big commitment. It must fit your budget, lifestyle, and long-term goals. If you are buying a home before Christmas, the right loan choice is even more important.

We take the time to understand what matters to you. Then we filter through the loan options and only present those that suit. You still make the final choice, but with a shorter list, you have more time to focus on finding the right property.

3. Get pre-approval to move faster

Getting your home loan pre-approved is one of the smartest steps you can take, especially if you are buying a new home before Christmas.

Pre-approval gives you a set budget and stronger negotiating power. It also builds confidence if you are planning to buy at auction. You can bid knowing your limit, which is a real advantage in today’s market. Cotality reports that auction numbers are the highest they have been since June 2025, so buyers need every possible edge.

Another big plus is speed. With pre-approval in place, much of the loan assessment has already been completed. This helps you move faster to unconditional approval once you find the right property.

In short, pre-approval keeps you competitive and lowers the chance of settlement delays.

4. Line up your expert team

Along with your broker and lender, you will need a solicitor or conveyancer. They review the contract of sale and complete the settlement process.

Having them ready before you sign avoids delays later. We can connect you with trusted professionals through our network. This saves you time and keeps the process moving as the holiday period draws closer.

5. Let us manage the process

December can be stressful enough without loan paperwork adding pressure. We will manage your application and deal with the lender from start to finish.

Since we deal with a wide range of lenders, we know exactly who to contact to keep things moving. This helps keep your loan on track and gives you more time to plan for Christmas in your new home.

Buying Home Before Christmas: Can It Be Done?

Yes. With the right steps, you can be settled in your new place before the big day. Imagine celebrating the holidays, opening champagne, and starting the new year already at home.

If buying a new home for Christmas is your goal, now is the time to act.

Let Osinski Finance Guide You in Buying a New Home for Christmas 

At Osinski Finance, we help Australians secure the right finance solutions. Our services include home loans, support for first home buyers, and property investment finance. We will explain your borrowing power, connect you with the right loan, and guide you through the process of buying a home before Christmas with a professional team by your side.

Contact us today and let us help you secure your new home before Christmas.

Disclaimer: The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to your circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.