+ All Categories
Home > Documents > First Home Buyers Tips & How-To Guides For Buying Property By Resi

First Home Buyers Tips & How-To Guides For Buying Property By Resi

Date post: 30-Mar-2016
Category:
Upload: resi-homeloans
View: 217 times
Download: 0 times
Share this document with a friend
Description:
Buying your first home can be exciting, daunting, fun and stressful, all at the same time and you probably need a professional guidance as to what you should be doing to buy your first home. Download this First Home Buyers Navigator for a complete guide.
17
resi first home buyer Your complete guide to buying your first home NAVIGATOR
Transcript
Page 1: First Home Buyers Tips & How-To Guides For Buying Property By Resi

resi first home buyer

Your complete guide tobuying your first home

NAVIGATOR

Page 2: First Home Buyers Tips & How-To Guides For Buying Property By Resi

resi first home buyerBuying your first home can be exciting, daunting, fun and stressful, all at the same time. Although many of us have watched our friends and family go through the process of purchasing property, buying your own home is a dramatically different experience because it’s your own hard-earned money going towards the single biggest financial commitment of your life.

The steps to buying your first home aren’t difficult but, to make sure you buy the right home for you and secure the best loan for your needs, you need to know your stuff. The more you know, the more confident you’ll be navigating your way towards home ownership. In this guide, we’ve made it easy for you by outlining everything you need to know about buying and financing your first home.

So, let’s get started!

“Buying my first home was such an achievement. When I was finally handed the keys to my house, instead of feeling weighed down with the responsibility of a mortgage, I felt free. It was my house and I could do what I wanted with it. There were no real estate inspections, I could paint it whatever colour I liked and bang in as many nails as I wanted to for all my pictures. I was in charge of my own destiny and had the chance to really get somewhere in life.” - Bella, 31

Why do it?Most Australians aspire to owning their own home and would do just about anything to achieve it, even of it means a major lifestyle adjustment. But does it live up to the hype? By all reports, yes it does.

Paying off a home means you are building equity in an asset from which you can start to create real wealth. It’s free of the capital gains tax that most other major investments attract, and over time you’ll have the option of using the money you’ve paid off your home loan as a way to upgrade to a better home, buy investment properties or otherwise invest. In the meantime, there’s nothing quite like the feeling of satisfaction and security of coming home when you know it’s yours.

1.

Page 3: First Home Buyers Tips & How-To Guides For Buying Property By Resi

1. 2.

Page 4: First Home Buyers Tips & How-To Guides For Buying Property By Resi

At a glanceIt usually takes anywhere between 30 days and 90 days (depending on the state you are in) from the time your offer to buy a property is accepted, to the day the keys are handed over. Have your home loan pre-approved before you start your search and make an offer, to maximise your chances of success when the right property comes along.

Before you buy

10 Steps to Your First Home

1 Get home loan pre-approved based on repayments you can comfortably afford.

2 Take your time finding the right property for you - don’t rush into buying something only to regret it later.

3 Make an offer based on what your research tells you the property is worth and is within your budget.

4 If offer is accepted by vendor place a holding deposit (usually about 0.25% of the property’s value).

5 Have your solicitor /conveyancer check contracts and organise building, pest and other inspections to make sure there are no underlying problems before you commit to buying.

6 Agree to sale by exchanging contracts and, if your state requires you to, paying a 5-10% deposit. (This additional deposit is not required in QLD and WA)

7 Have your lender arrange a property valuation and formal loan approval and apply for the First Home Owners Grant, if applicable.

8 Complete mortgage documentation with your solicitor or conveyancer.

9 Organise building and contents insurance.

10 Settle loan with repayments schedule in place. Move in and celebrate!

1.Get your budget in orderBuying a property is a big step so be sure to get your finances in order before going ahead. Making a budget and sticking to it is a surefire way to save for a deposit. And when it comes time to start making repayments on your loan, the more disciplined you are with your money, the easier it will be. Consistency is the key to success, so keep at it and the results will come. Nothing is as motivating as progress.

2. Define the purpose of your purchaseAlso think about the purpose of your purchase. Do you want to buy a home to settle in long term? Is this a purchase you hope will grow in value so you can sell it and buy again? Do you want to live in the property and then rent it out as an investment? Thinking long term will determine the kind of property you buy.

3. Determine your longer term goalsIf you are buying a home in which you want to raise a family, for example, many of your decisions will be based on lifestyle. It may be important to buy a property that can accommodate a growing family or it may need to be close to childcare facilities and schools or on a quiet street for safety. In contrast, if you are buying a property destined to become an investment, your priorities will be different. You may look for a unit in demand by renters that’s close to reliable transport and shops, for example.

4. ResearchBe sure to thoroughly research what kind of property you can expect to be able to buy in a particular area. You may decide buying a slightly higher standard of property one suburb over is the way to go once you know the market better and be much happier with your purchase as a result. It will also pay to find out what kind of government concessions and assistance you are eligible for. Your lender will have that information handy so don’t be afraid to ask questions.

3.

Page 5: First Home Buyers Tips & How-To Guides For Buying Property By Resi

Saving adeposit

Take the fast-track to save up a deposit - 5 steps to success

If you have a rough idea of the repayments you can comfortably afford, the next decision to make is how much you want to save before taking out a loan. Ideally, you should try to save 20% of a property’s value as a deposit. On a property worth $550,000, for example, a 20% deposit would be $110,000. This simply isn’t realistic for many first home buyers, however. Many lenders will approve loans of up to 100% but you will be required to pay Lender’s Mortgage Insurance which protects the lender in case you default on your loan.

The cost of the insurance is charged as a one-off premium. The greater the percentage of the property value you borrow, the higher the premium will be. The premium can add thousands of dollars to the cost of a home so save the biggest deposit you can before buying. On 100% loans, mortgage insurance can cost up to 3% of the amount you are borrowing.

1. Get rid of all but one of your credit cards and reduce the credit limit to $1000.

2. Pay off any debts owing on personal loans and credit cards by consolidating them into one low-interest loan.

3. Arrange for savings to be taken out automatically every time you get paid.

4. Sign up for a fee-free, high-interest account to save up your deposit faster.

5. Prioritise your spending and stick to a budget to minimise waste and maximise savings.

3. 4.

Page 6: First Home Buyers Tips & How-To Guides For Buying Property By Resi

Show me the money!

Once you are in control of your finances, you should have a clear idea of what you can afford to put towards your mortgage repayments. So, how much you should borrow? The goal should not be to borrow as much as a lender is willing to agree to, but how much you can comfortably afford to pay.

It can be tempting to borrow too much when you’ve fallen in love with the perfect house that costs a little more than you were planning to pay. Dedicating a large portion of your pay to the mortgage may allow you to live in this dream house but at what cost? Putting too much strain on your finances is known to be a considerable stress factor in many relationships. So borrow what you can afford without having to downgrade on your lifestyle too much.

Be sure to build in some room to move for changing circumstances too. Interest rates can go up, families can grow and incomes can change. Expecting the unexpected could mean the difference between keeping your home and using it as a tool to create real wealth, or having to sell it when it gets all too hard to meet those repayments.

Interest rates can obviously have a major impact on how much repayments are but don’t be fooled into choosing the loan that appears to be the cheapest on interest rates alone. Advertised interest rates may be short term and a lender may charge hefty fees to make up for the lower interest rates it charges.

and what your repayments will be, check out the calculator at resi.com.au /calculators

Follow this monthly repayments guide to help you decide how much to spend on your first home.

Note: Repayment calculation is based on a loan over 30 years at standard variable rates which are subject to change. Repayments are principal and interest repayments and are approximate only.

Interest rate Loan Amount

$200,000 $300,000 $400,000 $500,000

5.0% $1,074 $1,610 $2,147 $2,684

5.5% $1,136 $1,703 $2,271 $2,839

6.0% $1,199 $1,799 $2,398 $2,998

6.5% $1,264 $1,896 $2,528 $3,160

7.0% $1,330 $1,996 $2,661 $3,326

7.5% $1,398 $2,098 $2,797 $3,496

5.

Page 7: First Home Buyers Tips & How-To Guides For Buying Property By Resi

Adding it all up

It isn’t just the cost of the home you have to think about when you’re deciding how much to spend on your first house. It’s a common mistake for first home buyers to underestimate just how much the extra costs amount to over and above the price of a home.

4. Lender fees Fees can vary significantly between institutions and can include:

• Loanapplicationfees

• Loanestablishmentfees

• Servicefees

• Valuationfees

• Lender’slegalfees

• Accounttransactionfees

• Exitfees

It’s important to find a balance between interest rates and fees. Sometimes lower interest rates mean more and higher fees. Be sure to check your contract to see which fees are included and hence what the total cost to you really is.

5. Lender’s Mortgage InsuranceBorrowers with a deposit of less than 20% of the property’s value can expect to pay this insurance, which is a safeguard for lenders should you default on your loan. There’s no need to necessarily come up with the money for this, however. The insurance is a small proportion of your overall loan and is usually combined into the overall loan amount. Please note that Lender’s Mortgage Insurance is different from Mortgage Protection Insurance which insures you against not being able to repay your loan.

6. Moving and set up costsBe sure to factor in removalists, mail redirection, and connection of power, gas, internet and phone. Take into account council, water and strata levies, building and contents insurance and whether you’ll need to buy any new furniture or white goods. Also consider whether the home has adequate heating and cooling. If not, new insulation, fans, heaters and air conditioning may be in order. If you are buying a property not within a strata agreement (such as a terrace or house), also account for building insurance which may cost anywhere between $200 and $800 (or more) depending on the value of your home.

What are all the other costs?

Follow this monthly repayments guide to help you decide how much to spend on your first home.

Note: Repayment calculation is based on a loan over 30 years at standard variable rates which are subject to change. Repayments are principal and interest repayments and are approximate only.

1. Stamp duty and other government fees Reductions on stamp duty are available through most state governments.InVictoria,firsthomebuyersgetadditionalstate grants and in Western Australia and the Northern Territory, principal residence rebates are available. Go to our online calculator resi.com.au/calculators to find out exactly how much you will need to pay. You can also visit the state government sites listed at the end of this brochure for the exact details of the savings available to you as a first home buyer. Alternatively, your Resi lending specialist will be able to advise you on the stamp duty and government fees you will need to pay.

2. Conveyancing / Solicitor Costs Hire a solicitor or conveyancer to look after the paperwork involved in the property exchange. Legal representatives will usually be recommended to you by your lender or real estate agent. These fees range from about $400 to $2000. Within this process, the solicitor or conveyancer will also undertake many searches on your behalf, which may also add a couple of hundred dollars to your bill. However, many of these searches can reveal important aspects of the property you may not have known about in any other way. So it’s worth investing in research before committing to such a major purchase. Your solicitor or conveyancer will let you know the exact amounts required for your situation.

3. Inspections A pest report is advisable before you buy to make sure the property isn’t infested with termites, especially those that can’t be seen with the naked eye. Termites can cause substantial damage over time that can be very expensive to fix. A building report is also essential to make sure a property is structurally sound and free of major defects that may be costly to address once discovered. These can cost between $200 and $500 each.

5. 6.

Page 8: First Home Buyers Tips & How-To Guides For Buying Property By Resi

The right loan for youOnce you and your lender have figured out how much is sensible for you to borrow, there’s one more step before you can start seriously inspecting properties. Getting your finances pre-approved means you can go ahead and bid at auction or make an offer in a private sale with the knowledge that you have the money to lock in the deal. Too often, eager home buyers hit the open-for-inspection scene too early only to face disappointment when they find out their funds fall short of the mark. Pre-approval for a loan can last up to 6 months and can be renewed on request.

To really get to know the features of your loan and whether it’s right for you, discuss the options with your lender. It may cost less to forego some of the loan features on offer, if you are comfortable giving up some of the flexibility that comes with some of those features.

Here are some of the questions you might like to ask:

1. What are the loan’s set-up costs?

These vary widely and can be significant so it can pay to ask up front.

2. What interest rate will I pay given my circumstances? Different circumstances can affect the rate of interest you pay. Items such as:

i. Loan size: Some institutions offer a discount rate for loans of $250,000 or more. This usually comes with an annual fee and packaged with a credit card and transaction account.

ii. Type of income you earn: There are three groups of loans available depending on the level of income verification you have. A. Full Documentation: (Full Doc Loans) These loans are the most common and are for people that can provide full proof of their income. For PAYE employees, this is usually 6 weeks of pay slips. For self-employed people it usually includes tax assessment, tax return and registered ABN for 1-2 years. Borrowers pay the lower relative interest rate on these loans.

B. Low Documentation: (Low Doc Loans) These loans are usually for self-employed people who cannot fully verify their income. They are usually required to sign a declaration of their income and have an ABN for at least a year and registered for GST for at least 3 months. The interest rate tends to be higher on these loans. You also tend to need a larger deposit.

iii. Percentage of property’s value you wish to borrow: Some discounted loans are available for people who have a deposit of at least 5%. Again, this varies with institution and will usually still incur Lenders Mortgage Insurance.

3. What’s the difference between the various types of loans available?

i. Standard variable loan: This is a variable rate loan where the interest rate changes in accordance with the cash rate set by the Reserve Bank of Australia. It is the most common type of loan and usually has the most additional features such as the ability to make extra repayments, ability to redraw these repayments, offset facilities, split loan ability, repayment holidays and interest-only options.

ii. Basic loan: This is a variable rate loan like the standard variable loan except that it usually has a lower interest rate to compensate for its relative lack of flexibility. It varies between institutions but usually the loan cannot be split or made interest only.

iii. Fixed rate loan: The rate on this type of loan is fixed for a set period of time which means it doesn’t change even if interest rates in the market change. It usually has more restrictions than a variable rate loan such as limited additional repayments and no redraw. It usually has an interest-only option available.

iv. Honeymoon / introductory loan: This type of loan can be fixed or variable. The key element is that it has a discounted rate for a set period at the beginning of the loan for 12 to 24 months. At the end of that period, the rate usually reverts to the standard variable loan rate or to another higher variable rate. Each offer and set of conditions varies between lenders.

v. Line of Credit: This is a credit facility where the amount borrowed is secured against a property. Your only requirement is to pay the monthly interest on the amount you use. If you repay that amount borrowed, you can then re-use it again and again– just like a credit card.

vi. Packaged loans: These are also commonly known as ‘Wealth’ Packages or ‘Professional’ Packages. They usually include a discount off the standard variable loan, plus additional financial products such as a transaction account and credit card for an annual fee.

7.

Page 9: First Home Buyers Tips & How-To Guides For Buying Property By Resi

4. Can I make the choice whether I pay weekly, fortnightly or monthly?

Paying more frequently means you can reduce the amount of interest paid on your loan and pay off your home loan sooner. Some basic rate loans don’t have this facility but offer a lower interest rate in exchange for the reduced flexibility.

5. Can I switch to interest-only if times are tough?

Most lenders allow borrowers to pay just the interest portion of their loan for a set period if they are wanting to temporarily reduce repayments. This is typically the case with investment properties where the interest portion of repayments is tax deductible. The goal for an owner-occupied property, however, should be to minimise the interest paid by making principle and interest repayments.

6. Can I link an offset account to the loan?

Offset accounts can be a useful tool to fast-track your mortgage repayments. Any money sitting in the offset account on any given day is offset against the loan, meaning you are charged less interest. Depositing your salary into the offset account and relying on your credit card to pay bills and expenses before paying it off at the end of the month can cut years off the term of your loan.

7. Can I redraw any extra money I’ve paid into the loan?

Redraw facilities allow you to access any extra repayments you’ve made should the need arise. They can often work just as effectively as offset accounts.

8. Can I make additional repayments?

Additional repayments are amounts paid over and above the contracted minimum amount. Even small extra repayments can significantly reduce the total interest you pay on your loan. Be aware that some fixed-rate loans only allow minimal extra repayments.

9. Am I penalised if I pay the loan off sooner?

Extra repayments can be made on variable loans without being penalized. Rate costs will be applicable for a fixed rate period.

10. Can I take a repayment holiday?

If you’ve been making higher repayments than you have to and have built up a surplus in your loan, this feature allows you to take a break. If there’s a new baby in the family, for example, and you are relying on one income instead of two, this can help to tie you over during that period.

11. Are there any ongoing fees attached to the loan?

These could be annual fees in return for a rate discount, or monthly ‘maintenance’ fees. It’s important to ask your lender about the fees and check your loan documents before you sign.

12. Can I borrow 100% of the purchase price on this loan?

Not all lenders will allow it on every loan and some charge a higher interest rate to do it. Deposits of less than 20% also attract lender’s mortgage insurance. It is important to know your options and balance a higher rate with a lower deposit to get into your home sooner.

Talk to your lender to asses what features are important to you and the most cost-effective way to manage your loan according to your needs.

7. 8.

Page 10: First Home Buyers Tips & How-To Guides For Buying Property By Resi

The loan processStep 1 Ask your lender how much you can borrow.

Step 2 Fill out a loan application form by phone or face-to-face.

Step 3 Conditional approval will be granted within 48 hours.

Step 4 Provide the paperwork to verify the details on your application form.

Step 5 The lender will organise an independent valuation on the property you want to buy. (except for pre-approvals)

Step 6 Formal approval is granted and settlement goes ahead after the property is selected and the offer has been accepted.

To help your loan application proceed smoothly and swiftly, expect to include the following details and documents:

Client details

Completed application form signed by all applicants. This will include an id verification.

Income

For PAYE earners:

• Payslipand/oraletterfromyouremployerconfirming income, position, length of service in the company. This letter should be on company letterhead, and signed by an Authorised Officer. Payslips may not be older than 6 weeks.

• Copiesoflast2yearsGroupCertificatesand/ortax returns and/or tax assessment notices.

For Self Employed:

• Last2yearsfulltaxreturns(personalandbusiness/ company).

• Fullfinancialstatementsforthelast2yearsofall related companies/businesses.

Savings

• Copiesofallbankstatementsevidencingdepositfunds for the last 6 to 12 months.

• Gifts-Aletterisrequiredfromthepersonprovidingthe cash gift, stating the amount and that it is not repayable. Your lender will contact you if any additional material is needed.

9.

Page 11: First Home Buyers Tips & How-To Guides For Buying Property By Resi

Let the search beginThe more research you do before taking the plunge and making an offer on a home, the more confident you will be that your choice is the right one for you. Many buyers set out on a path that changes during the course of their search. They may plan to buy in one area, only to find another suits their needs better, or begin with their heart set on a house, to later decide a unit is the better option. Be prepared to take detours along the way rather than sticking rigidly to a plan – only by being open to opportunities will the right home present itself to you.

Once you fall in love with a home, it can be difficult to see past the positives to any pitfalls the property may have. But before you start planning where all your furniture will go and where you’ll entertain people when they come over for your housewarming party, try to balance out those emotional drawcards with some cold hard facts.

Take the time to fill out the Wishlist at the back of this guide before you start house hunting to make sure you end up buying a property that meets all your needs. It may be crucial for you to live within walking distance of the local primary and high schools, for example, so you can avoid having to buy a second car. It may not be so important whether or not the home is located on a busy road if it means it costs a little less.

Go into as much detail as you like on every aspect of the home’s features, its immediate surroundings such as the unit block or land size, and its location. If you’d love a stone benchtop in the kitchen, put it in. If you can’t live without a double garage or want a child-friendly garden, write it down. Just make sure to include everyone’s wishes who will be living in the house. Buying a property is usually about trade-offs. Using the Wishlist will allow you to work out where you’re willing to give a little and where you are not.

When it comes time to attend open-for-inspections, all the properties you visit can become a bit of a blur and it can be difficult to remember which property had what. To make the process easier, we’ve included an Open-for-Inspection worksheet so you can keep track of which properties are open when, and another that makes it easy to make notes on the property’s pros and cons while you’re there. Taking photos is another great way to jog the memory.

11.

Page 12: First Home Buyers Tips & How-To Guides For Buying Property By Resi

Ask the expertsBuying property involves dealing with real estate agents, solicitors and lenders probably more than you’d like. But it’s their job to help you through the transaction so don’t be afraid to ask questions, if you have any.

Ask the agent:

• Arethereanyheritageordersontheproperty?

• Wasthepropertyrentedorowneroccupied?Ifthehouse was rented it has probably been subject to more wear and tear which could lower its value.

• Doalladditions/extensionshavecouncilapproval?

• Whyistheownerselling?Thismaygiveyouanideaof how keen the owner is to sell the property and if they would accept a lower offer.

• Howlonghasthepropertybeenonthemarket?

• Whatisthesettlementperiod?Isthevendorflexible?

• Whatarethecurrentcouncilrates?

• Havepestandbuildinginspectionsbeendonepreviously? Are there any things to note?

• Ifit’saunitoncompanytitle,canIrentitout?

• Ifit’sastratatitle,whatarethecurrentlevies?Arethere any outstanding strata issues occurring at the moment?

In addition, if you are in Queensland or Western Australia, you should also ask the agent:

•Toincludea‘FinanceClause’asaconditionsofthe contract (usually 14 days), if finance is required.

• Toincludea‘BuildingandPestInspection’clause (generally 14 days) as a condition of the contract.

Ask your conveyancer / solicitor:

The key role of your solicitor or conveyancer in the transaction is to check your contract of sale , undertake searches, advise on pest and building inspections and to complete settlement. In some states, they also review your mortgage documents , co-ordinate the exchange of contracts and pay the deposit.

Some questions to ask are:

• Whatarethecostsofthesearches?

• Whatareyourcharges?Doesthisincludeincidental costs?

• WillIonlydealwithyouorothersinyourorganisation as well?

Except in QLD and WA where it is not applicable, it would also be wise to ask:

• Isthereacosttoreviewthedocumentbeforemaking an offer?

• Arethereadditionalcostsassociatedwithadvisingonthe mortgage document?

More research:

• Areneighboursplanninganyextensions?

• Whathaveotherpropertiesintheareasoldfor?Compare the asking price to recent sales in the area and purchase sales reports to verify the property’s true value. Property reports can be obtained at pricefinder.com.au. Your local real estate agent and local newspaper can also provide this sort of information.

11. 12.

Page 13: First Home Buyers Tips & How-To Guides For Buying Property By Resi

What happens next?

The finish line

When you’ve had your offer or bid accepted, it’s time to finalise your mortgage, sign contracts and proceed to settlement.

There are two types of sales – private sale and an auction. A private sale is usually advertised for a set price and the sale is negotiated through a real estate agent. A holding deposit of 1% is paid to show the buyer serious about carrying through with the deal. In most states, you then have a ‘cooling off period’ of 5-10 days where you can undertake your inspections and reports before fully committing to the purchase. At the end of the cooling off period a further 10% deposit is required to ‘exchange’ contracts. In QLD and WA, there is no cooling off period and the 1% deposit is the sign of your commitment to purchase the property.

If you buy a property at auction, there is no cooling off period and you must proceed with the deal. The vendor sets a reserve price and once bids reach that price, the property is said to officially be “on the market” and the highest bidder buys the property. Contracts are signed immediately and the buyer must pay a deposit (usually 10%) on the spot.

Pay fortnightly or weekly instead of monthly Paying more regularly means you repay a little extra every calendar year which reduces the amount of interest payable and the term of your loan.

Pay more than you have toHigher loan repayments can dramatically reduce the cost of your loan and is a safeguard against rising interest rates. If you are already paying more than the minimum, any rate rises will not have as significant an impact on your lifestyle.

Use a windfall wiselyA work bonus, inheritance or tax refund can make a substantial dent in your mortgage. If you have a redraw facility, you can always withdraw it in an emergency.

Achieving your goal of home ownership is a rewarding experience, however the process can be all consuming while it’s in play. Now you have reached your goal, you have a new one to set – to pay your loan off as quickly as you can.

During the period between your offer being accepted and final settlement – about 6-12 weeks – you will have inspections done on the property and you should arrange building and contents insurance. Your loan will be formally approved and your lender will do a valuation. Your settlement agent (solicitor or conveyancer) will also examine the contract on your behalf for legal compliance. If everything is in order, you can then move safely and confidently through to settlement.

Although buying a home may seem to be a complex and intimidating process, rest assured that thousands of people go through this process every day and the whole system – agents, lenders, valuers and government departments all know the role they have to play and in which order things need to be done to proceed to the next stage.

Make the most of your loan’s featuresIf your loan has an offset facility, use it. Any savings should be directed towards your mortgage, even temporarily. Interest is calculated daily, so every dollar counts.

Maintenance Check in with your lender every 6 months to make sure you are on track.

Resi is available to lend first home buyers a helping hand every step of the way. Call your local resi branch on 136 126 and ‘own your dream’ sooner.

13.

Page 14: First Home Buyers Tips & How-To Guides For Buying Property By Resi

WishlistCan’t live without Would love to have Nice but not essential

13. 14.

Page 15: First Home Buyers Tips & How-To Guides For Buying Property By Resi

Open for inspectionsAddress Time Price Agent details

15.

Page 16: First Home Buyers Tips & How-To Guides For Buying Property By Resi

Inspection notesAddress Agent

Bedrooms Bathrooms Garage Price

Rating (out of 10) Auction or private sale details

Address Agent

15. 16.

Page 17: First Home Buyers Tips & How-To Guides For Buying Property By Resi

NOVE

MBER

2011


Recommended