What is Your Property Investment Journey?

1. Have your loan pre-approval in place

Knowing your budget gives you the ability to make a competitive offer on your property of choice and bid with confidence at auctions. Chat to us about this now.

2. Choose the right property in the right location

Doing your research is fundamental for success. Choose an investment property with your head, not with your heart. Think strategically and decide why you want to invest — is it for capital growth, rental yield, etc?

3. Make an offer or a bid at auction

Work within your budget and try to get value for your money. Negotiate like a business person, not a home owner.

4. Conveyancer or legal representative and payment of deposit

Once your offer has been accepted, the contract of sale should be given to your conveyancer or solicitor for checking and advice. They will advise you about your cooling off period rights. Once both parties have signed the contract, it then becomes legally binding and your deposit will be paid to the vendor.

5. Final loan approval

As your mortgage broker, we will organise loan documents for the balance of the purchase price to be prepared and then ask you to sign them.

6. Insurance

Your lender will require you to organise building insurance. Most investors also obtain landlord insurance.

7. Final inspection

Arrange for a final inspection with the real estate agent. Check that everything included in the contract of sale is in working order.

8. Settlement

Your conveyancer or legal representative will attend settlement on your behalf. This is the day when the balance of the purchase price is paid to the vendor. Stamp duty and lender’s mortgage insurance will also have to be paid, if this applies to you.

9. Collect the keys

Once settlement has been completed, you’ll be advised when you can collect the keys.

10. Deciding what you want to do

Your lender will require you to organise building insurance. Most investors also obtain landlord insurance.

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