> Make an offer
Before signing a Sale & Purchase Agreement make sure that you get your Lawyer to look over the contract. They may suggest that you add certain conditions to the contract such as a LIM Report or a Builders Report. They can also perform a search on the property's title to ensure that it is clear from any adverse features.

If you are putting a finance condition, remember to allow 5-10 days to complete this. The main reason for this is that if the bank requires the property to be valued there is currently a time delay in having this completed.

The Vendors are usually negotiable on more than just price. They may accept a lower price if you have less conditions, your finance is pre-approved and you are able to settle when it suits the Vendor.

> Insurance
When you have purchased your new home it is wise to seek professional advice on your insurance options such as Life Cover, Income Protection or Mortgage Protection. You will also be required to insure the new house before you can settle. It is a good idea to arrange this early to avoid unneccessary delays come settlement day. Contact us for more information regarding your insurance needs.

> Lawyers
When choosing your lawyer, it is best to deal with lawyers that specialise in property conveyancing as they have the specific experience. We can point you in the right direction if you require.

You will require a lawyer right from the very start. They will advise you regarding the Sale & Purchase Agreement, deal with the Vendors lawyer regarding conditions, deal with ourselves regarding finance and liase with the Banks with the loan documents.

Lawyers are never cheap, but we can often get the Banks to contribute towards these costs.


> Living with your home loan
As your lifestyle changes, so do your home loan requirements. We will be in regular contact to ensure that your home loan changes with you.