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Buying

  • Preparing a budget

    Preparing a budget

    When purchasing property, it is important to know how much you can afford to spend. A great way to understand your current financial position is to record your spending. Be honest with your budget allowing for hidden expenses.
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  • Save a deposit

    Save a deposit

    Its always a good time to start a regular savings plan. The more you save now, the more you will save on interest later. Most financial lenders will require a minimum percentage as a deposit. Make sure you shop around for your financial lender.
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  • Decide what you are looking for

    Decide what you are looking for

    Before you start looking for property, it is a good idea to compile a list of what features you require. Consider how many bedrooms or bathrooms your require or is it close to public transport, schools or shopping centres.
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  • Research

    Research

    Before you purchase a property, ensure you have done your homework and researched the area. Look at recent property sales in the area, compare values with other properties.
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  • Choosing a Property Loan

    Choosing a Property Loan

    It is important when choosing your property loan to investigate any hidden fees. Shop around and compare fees for the most competitive offer as a property loan is a debt you may have for many years.
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  • Know your costs

    Know your costs

    Do your homework to avoid any 'hidden' costs. Investigate how much Stamp Duty you will be required to pay on the purchase price of your property as it varies from state to state. Also consider what costs you might incur from professional services.
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  • Safety Tips for Property Inspections

    Safety Tips for Property Inspections

    To ensure you are always protected during a property inspection we suggest following some useful tips including have a family member or friend attend the inspection with you.
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  • Buying at an Auction

    Buying at an Auction

    It is important if you plan to buy at an Auction you fully understand how an Auction works and what commitments you will have should your offer be accepted. We recommend you seek legal advice before going ahead with a purchase at auction.
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  • Property Valuation

    Property Valuation

    What is a valuation? Valuations are used to determine the value of property as directed by a qualified independent valuer who has no financial stake in the property – other than the fee they charge for their service.
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  • Negotiating a Property

    Negotiating a Property

    At homesales.com.au we generally give buyers the ability to take control of their property purchase and negotiate their sale price direct with the seller unless they have appointed an agent to act on their behalf.
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  • Solicitor or Conveyancer

    Solicitor or Conveyancer

    Appoint a Solicitor/Conveyancer or services provided by your Solicitor/Conveyancer. Your legal adviser can review all documents and contracts and transfer the property title to you on settlement day.
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  • Building and Pest Inspections

    Building and Pest Inspections

    It is recommended that prior to to purchasing a property you contact a licensed professional for a building and pest inspection. If you sign the contract prior to obtaining the inspection, make sure you sign the contracts “subject to building and pest inspection approval”.
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  • Contract of Sale

    Contract of Sale

    The contract of sale is a legal binding contract which commits you to the purchase of a property. During negotiations you may be asked by a seller or an agent to sign a contract to formalise your offer. Before signing anything make sure you have your legal adviser, look over it to make sure it is what you agreed to.
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  • Home Insurance

    Home Insurance

    It is recommended that once you have signed a contract for a property you take out building insurance in case something happens to the property prior to settlement. Most financial lenders will require you to take out building insurance during the life of that loan.
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  • Getting Ready to Move in

    Getting Ready to Move in

    Before moving into your property, ensure your electricity, gas, water, phone, internet and cable TV is connected and that your mail is re-directed. If friends and family can’t help you move, arrange for a removalist to assist.
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  • Pre-settlement Inspection

    Pre-settlement Inspection

    Prior to settlement, it is recommended that you attend a final property inspection to ensure the property is in the same condition as first inspected. The seller has an obligation to hand over the property in the same condition as it was when it was sold.
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  • Settlement Day

    Settlement Day

    On settlement day the balance of the purchase price must be paid to the seller in exchange for the title of the property. Final payment is organised by your solicitor and financial party. Once settlement has taken place you can collect the keys for the property and start to move in.
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