Your step-by-step checklist for being home owner ready!

Arranging your finances

• Contact your mortgage broker and arrange an appointment
• Arrange supporting documents (i.e. pay slips, group certificates, credit card statements and other relevant documents)
• Assess lending capabilities with your broker, shortlist loan options and determine the most appropriate loan from the shortlist
• Submit loan application with all supporting documents
• Obtain pre-approval*

Note: Finance can be secured before or after you find a property. However borrowers should consider a pre-approval so that they have a true measure of their borrowing capacity before they commit to a purchase. *Pre-approvals are usually always subject to further conditions.

Buying your house

• Engage a solicitor or conveyancer to check sale contract
• Place offer for home/win at auction
• Complete building and pest inspections, strata and title searches
• Sign contracts along with submitting agreed deposit
• Arrange insurance (contents, building and/or income protection)
• Process first home owner grant (FHOG)
• Complete settlement
• Pick up keys

 

Moving in

• If currently renting, advise landlord that you’re moving
• Collect bond from rental agency
• Arrange disconnection of utilities and cleaning of old premises (if required)
• Arrange quotes from removalist companies/schedule moving times
• Connect the gas, electricity and other utilities
• Connect pay TV and internet
• Connect new phone line
• Redirect mail (can be arranged through your local post office)
• Redirect newspaper delivery
• Advise family and friends of new address/phone details
• Clean up home before you move in
• Move the family in!

Finding and applying for a home loan can be a tedious process. As professional loan experts, we’ll be able to help you find a suitable product which will suit your financial needs, guide you through the process, and manage your application from start to finish. Give us a call today.