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This Sliding Bar can be switched on or off in theme options, and can take any widget you throw at it or even fill it with your custom HTML Code. Its perfect for grabbing the attention of your viewers. Choose between 1, 2, 3 or 4 columns, set the background color, widget divider color, activate transparency, a top border or fully disable it on desktop and mobile.

Frequently Asked Questions

 

When going through the initial process and taking the steps towards home ownership it is normal to have lots of questions running through your mind, below you will find some frequently asked questions by many first home buyers. If you still have more don’t hesitate to ask your real estate agent or broker.

What is the process of applying for a mortgage?

  • Meet with Mortgage Broker to discuss your borrowing power
  • Know your budget
  • Find a Home Loan
  • Get approval
  • Find a house
  • Complete all necessary inspections on the property
  • Make an offer
  • Legal/paperwork
  • Waiting time
  • Settlement/ MOVE IN

What is the process of applying for a mortgage?

  • Meet with Mortgage Broker to discuss your borrowing power
  • Know your budget
  • Find a Home Loan
  • Get approval
  • Find a house
  • Complete all necessary inspections on the property
  • Make an offer
  • Legal/paperwork
  • Waiting time
  • Settlement/ MOVE IN

How much money will I need?

At a minimum, it is best to aim for a 10% deposit as this will leave you with enough funds to cover stamp duty, conveyancing fees, and building and pest inspections.

If you buy a property with a 20% deposit, this will eliminate you have to pay LMI (lenders mortgage insurance)

In order to get an idea of how much money you will need for a deposit, see our deposit calculator or contact us and we can have one of our specialised broker partners contact you further.

How much money can I borrow?

In order to get an idea of how much money you can borrow, see our home loan calculator or contact us and we can have one of our specialised broker partners contact you further.

Is it better to save up more or buy now?

If interest rates are low and the market is on the rise, the growth in property prices will usually outrun your ability to save. That means it may be better to purchase your home as soon as you can afford it, in this case it will be best to seek your broker’s advice.

How do I choose which home loan is best for me?

Organise a time to meet with a broker whether it be through face to face interaction, via email interaction or by phone conversation and they will be able to guide you through the necessary process and advise on the steps you will need to take.

How much is stamp duty?

To find out the costs of Stamp duty in your relevant state, please follow the link below to a Stamp Duty calculator:

http://stampduty.calculatorsaustralia.com.au/ [Free]

Where should I buy?

The “right location” is different for every homebuyer, depending on their needs and wants.

It is best to start with the locations you know and would like to live in such as where your family has grown up and also where it’s convenient for you to travel to your place of work as well as a close commute to visit family and friends and from there you will know what your budget will allow you to purchase.

I like the suburb but I don’t know it that well?

The best way to get know an area is to research it online, then go and check out the area in person such as checking out local shops and amenities.

Exploring a neighbourhood once you have done your research will help you to work out if you could happily live there.

Start by searching for properties online that grab your attention and make an effort to go to the open inspections. Talk to the agents not only about the house in particular but about the area. If the area is new to you it is best to keep an eye out for when you are commuting there an back to keep a note for traffic issues, construction sites, transport, shopping centres, parks and schools.

Once you have visited a number of properties that is when you will get a good feel for where the locations that you feel comfortable with.

How do I know if the price is too high?

When searching on www.realestate.com.au, click on the sold function and search for recent sales with the same features and location as the property you are interested in. Alternatively your broker will be able to provide you with in depth reports on specific suburbs as well as specific properties.

Once you have visited a number of properties that is when you will get a good feel for where the locations that you feel comfortable with.

Do I need a Conveyancer/Solicitor?

Yes, it is important to employ the services of a conveyancer/solicitor as they are an independent party that is employed for both the buying and selling of a property. They handle the settlement and title transfer process by ensuring that their client is meeting all legal obligations and ensuring the clients rights are protected during the time of this transaction. Both buyers and sellers need to employ and use the services of a professional due to legal obligations in respect to the Contract of Sale. It is a conveyancer’s job to take charge and do all the leg work in the buying/selling process.

Should I get a building inspection?

If you are a qualified builder, engineer or architect then you are more than qualified to assess a property for faults. If you’re not, then a building inspection is a necessity and to be carried out by a professional in the field. A building inspection will help you uncover any structural faults with the property.

Properties may look fine but underneath what the everyday person cannot see, there may be structural faults, problems with the electrical wiring or plumbing, termite infestation or a number of other issues which can be expensive to fix.

I am finding it hard to save the deposit – are there alternate options?

You can buy a property with the help of a parent/parents, and this is known as a parental guarantee.

Guarantees are specific type of loan product/policy which is put in place to assist those with low/no deposits available to be able to purchase a property with the assistance of another party who has sufficient equity in a property.

If this is something of interest to you, it will be best to talk to your broker about this and they will be able to explain further, alternatively if you would like to read about this follow the link to an article on this website: http://fhber.com.au/2017/03/26/how-guarantees-work/

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