BUYING TIPS

Tips To Help You With Your Investment






Home Loan

It is best to talk with a home loan expert before starting your property search because unfortunately what you think you can afford and what a lender might lend could be completely different. We weed out the competent financial experts from the bad and can connect you with some of the best brokers in the country.



Debts

If you have large debts, you may struggle to borrow the amount of money you need for your dream home. Consider possibly consolidating all or most of your debts into one low-interest loan if you can. We are more than happy to put you in touch with a financial expert to assist with this process.



Deposit

The more substantial your deposit, the more you are likely to be able to borrow. Even if you have only been able to save 2%, 5% or 10%, we have a dedicated team to assist low to no deposit buyers and fulfil their dreams of owning their own home.



Budget, Budget, Budget

On top of your deposit, your savings will need to cover expenses which could include items such as stamp duty, removalists, mortgage registration, building and pest inspections, defect inspections and legal fees. These are not typically incorporated into your mortgage, so make sure you budget accordingly before it’s too late.



Let’s Do It!

Chances are if you love the house, so does someone else, so you need to be prepared to move quickly. Price is one thing, but terms are just as important. Say if you have pre-approval with a lender, a good deposit and another buyer doesn’t, then the seller is more likely to pick you.



Congrats, it’s yours!

The standard conditions are usually a building and pest inspection and/or finance approval. However, some savvy buyers ensure that conditions like a full bond clean are completed before settlement. It is best to protect yourself so make sure you talk to an expert before signing anything.



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