The Home Buying Process

Generally when buying a home you need to follow this course of events:

• Find a broker... (that's us)

• Apply for a pre-approval of your home loan
• Find your home (taking an inspection list with you)
• Negotiate the price
• Sign a contract with the real estate prferably in your solicitors office
• Pay your holding deposit- amount varies state to state
• Get the home inspections done (building & pest)
• Ask the bank to value the home
• Your solicitor will do his "searches" (enviromental, council issues, future property proposals etc)
• Once your loan is fully approved & all checks have been done, 'Exchange' contracts
• Pay balance of deposit -amount varies on state of purchase
• Sign & return all mortgage documents
• Organise building & contents insurance
• And in approx 6 weeks time the house is yours -'Settlement'
• Thank your broker- We do all this for you for FREE!  We work for YOU but are paid by the lender