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The buying process is a lot smoother when you have your finances in order.

Before you begin your search, have a lender assess your loan-taking ability for an indication of your purchasing power and the maximum amount you can spend on a property.


An important step in the property hunt is seeking pre-approval before deciding on the property you want to buy.

This is where your home loan either has been, or will be, approved when you find the property you wish to purchase.

Pre-approval usually lasts for 3-6 months and shows you’re eligible to apply for a loan up to a certain amount.

While it doesn’t commit you to a loan, it allows you to set an affordable price range, aids your ability to make an offer and tells vendors you’re serious about buying.

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Offers & Bidding

There are two types of offers, an unconditional offer and a conditional offer. An unconditional offer is a binding contract that occurs if the purchaser has confirmed finance and are sure about the property.
When an unconditional offer is accepted, the purchaser is bound to complete the purchase and cannot cancel the agreement for any reason.
A conditional offer becomes a binding contract, at some stage in the future, if certain conditions are met.
For example, valuation of the property, finance approval, property and building inspections such as pest and termite inspection.
An offer can be revoked at any time prior to acceptance, however, once the offer is accepted, the seller and the buyer are legally bound by the terms of the offer.
Making an offer
If you’re interested in making an offer on a property, you should contact the real estate agent to express your interest and what you’re willing to pay.
Research is key in this process.
While you want some room to negotiate, submitting an offer way below the market value isn’t likely to be taken seriously and may even make the seller reluctant to work with you.
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Conveyancing is the process of transferring the ownership of a legal title, such as a house or land, to the new owner.

The conveyancing process is comprised of two stages, including the exchange of contracts and settlement.

This process can be complicated and often requires the assistance of a qualified conveyancer.

A conveyancer is a licensed professional who understands the laws and processes around the sale of a property.

They are specialised to provide advice and information, ensure you meet all the legal obligations involved in your property transaction and protect your rights throughout the process.

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Property settlement is the legal process that transfers the ownership of a property from the vendor to the purchaser.

Legal and financial representatives, typically a conveyancer and lender, facilitate the process on behalf of the buyer and seller.

The settlement period is outlined in the contract of sale and is typically between 30-90 days, from the time both parties have signed the contract.

However, it can be a longer or shorter time period, as agreed upon by both parties.

The settlement process concludes on ‘settlement day’.

Known as settlement, this is the final stage of a sale when the last documents are lodged, the balance of the sale price is paid to the vendor and the buyer takes possession of the property.

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