• Steph Delaporte

Buying a home: building your network of experts

Buying a property for the first time can be a little confusing especially when it comes to knowing what professionals you'll need on your team.


Surrounding yourself with a network of supportive experts will make for a stress-free experience. Here’s who you are likely to encounter along the way and how you can take advantage of their expert knowledge.


Real estate agent

Hired by the vendor (or seller), the real estate agent helps market the property, answers questions from prospective buyers and oversees price negotiations. Their goal is to get the best result for the seller. Unless you’re working with a private vendor, liaising with a real estate agent is a given.


Valuer

Valuers inspect properties and give an independent valuation of their market value. This is based on the property, location and current market. Getting a valuation is an important part of the loan application process. Lenders often engage an impartial valuer to assess the property, so that they know what loan amount may be warranted.


Lenders

Most people need to borrow money from a lender, or financial institution, to fund their property purchase. It might be a major bank, second-tier or non-major, or a specialist lender for more complex funding requirements.


Conveyancer

The legalities of a property purchase are taken care of by a licensed and qualified conveyancer. If they are a solicitor, they may also offer legal advice. Your conveyancer will prepare the paperwork to ensure transfer of ownership meets any legal requirements in your state or territory.


Building and pest inspectors

The last thing you want is to discover structural issues or unwanted guests post-purchase. Enter your building and pest inspector. These professionals inspect the property and look for any issues that could cost you money in the long run. If the property is still your dream home but needs some work, the building and pest report can prove to be a valuable bargaining tool.


Insurance companies

Buying a home or investment property is a high-value purchase and long-term financial commitment, so you need to think about insurance. Insurance companies can help with all sorts of cover, from mortgage protection to property insurance. Often finance brokers can line you up with insurance too, or put you on to a reputable insurance broker.


Finance broker (that’s us)

From finding the mortgage that best suits your unique financial circumstances to overseeing the loan application process - we are there to guide you every step of the way. We act as a liaison between you and the lender, negotiating a loan product that matches your needs and ensuring your loan is processed as smoothly as possible.

We can also assist with insurance, renovation finance and debt consolidation.


Looking to get into the market?

The first step is to talk to us about your finance needs. We’ll explain your borrowing capacity and organise pre-approval on your home loan. That way, you’ll be ready to negotiate with confidence when you do come across your dream home. Get in touch today!

Image by Chris Ross Harris

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