Buying & Selling

Knowing what a property is worth is central to avoiding paying too much for it. It’s about doing your homework, knowing what you want, knowing the market and making sensible offers. Set a benchmark…
If you are buying or selling a property, the settlement period is when you will deal with finances and paperwork to legally transfer ownership of the property. Your financial and legal reps will handle the hard stuff but knowing what is involved is key to a smooth settlement. Here we guide you through it. Before settlement The length of the settlement (typically 30-90 days) can either be outlined in the contract of sale from the outset or negotiated by the buyer or seller before signing the contract. If you are a seller and still looking for a new place to live, you might want to negotiate a longer settlement period. On the other hand, buyers may also have certain parameters, such as a settlement
If you are buying a new home or investment, chances are you will be attending a lot of open houses and meeting a lot of real estate agents. Finding the right property involves time and research, so you will need to ask the right questions to ensure you are making a competitive offer on a property that meets your long-term needs. Here we outline four questions you should always ask before you close the deal. Why is the vendor selling? One of the most important questions you can ask is about the seller’s motivation for moving on. Vendors list their properties for a range of different reasons. Some may be tentatively seeing if they can sell their home so they can upgrade, while others
With interest rates at record lows and competitive deals on offer, switching to a new loan or lender may be an appealing prospect, with the potential to make significant savings. Since the Reserve Bank of Australia (RBA) began its latest round of rate cutting, lenders have been lowering mortgage interest rates across the board, with several now offering rates below the 3% mark. But before you make the decision to refinance, there are a number of areas to consider. Here we cover off some questions you should ask before making the switch. Will I be better off in the long run? Refinancing to a lower interest rate can be a great way to lower monthly mortgage payments, freeing up some of your income for
Buying a home is probably one of life’s most important milestones, so getting the right home loan tailored to your specific needs and circumstances is essential. When it comes to home loans, there are many factors to consider besides interest rates. Choosing the right home loan could not only provide flexibility as your financial situation changes but could also save you some money down the track. Here is an explanatory guide to some of the more common home loan features and, importantly, how they work. Redraw facility A redraw facility allows you to dip into any extra funds you have put towards your home loan, providing you are ahead of your repayments. While drawing on these funds will reduce the benefit of your additional
After all the talk, October’s decision by the Reserve Bank to cut rates didn’t come as a surprise. The RBA’s call sent the cash rate to a historic low of 0.75 per cent, the third cut inside six months. The call was the latest attempt by the RBA to drive economic growth, and while much of the current conversation surrounds just how low the RBA can go and how fast, there are some good ways for you to make the most of these new financial conditions. Shop around for a better deal Your lender may have already passed the rate cut on to you, but how much? Lenders have passed the last three cuts on to varying levels, so now could be the time

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