воскресенье, 6 ноября 2016 г.

6 People You Need On Your Team When Buying A Home

6 People You Need On Your Team When Buying A Home

6 People You Need On Your Team When Buying A Home

There’s no denying that buying a home, especially for the first time, is a huge decision. If you’ve done it before, you’ve got an idea of how it’s done.

If it’s your first purchase though then it pays to get some professional help.

You’ll mainly have to deal with 6 parties: the lender, the conveyancer, the building inspector, the vendor, the real estate agent and the one who can help you work with all of them, the mortgage broker.

Have a read about how these professionals have a part to play when it comes to getting approved for a home loan and buying a property.

Mortgage brokers are home loan specialists who aren’t tied down to particular lenders or products. With their expertise and knowledge, you can potentially save hundreds of hours and thousands of dollars researching the right home loan and lender.

There are many reasons to use a mortgage broker but the main benefits are that you can take advantage of their experience to make the process of buying a property smoother and faster.

On top of that, their services are usually free.

Not only can brokers help you find the right home loan and lender for your situation but they can liaise with the rest of the professionals on your property buying team and guide you through to settlement and beyond.

If you’re a first home buyer trying to get a home loan, brokers can check if you qualify for the first home owners grant (FHOG). If you do, they’ll help you prepare the necessary documents such as the contract of sale and your identification to make the grant application process easier.

Are you planning on buying a property?

Call us on 1300 889 743 or complete our free assessment form to find out how a mortgage broker can help you through the home buying process.

Without a shadow of a doubt, unless you’re buying the place with cash, you’ll have to deal with a lender. Whether it’s a bank, a credit union, a building society and or specialist lender, actually getting a approved for a home loan is the key component in getting the ball rolling in buying your home.

You’ll also be spending the next 20 plus years paying back your mortgage to these guys so it pays to go with the lender that can offer you a mortgage with the right features for your needs at a competitive interest rate.

You’ll need to do your research carefully to pick the right home loan but, luckily, your broker can help you negotiate a great deal.

This may sound like a strange member to have on your “team” but it makes not to rub the vendor or seller of the property the wrong way with crazy demands for reparations to the property before the sale goes ahead or an unreasonable offer.

Keep in mind that just because they’re the vendor, they don’t have to necessarily be the owner of the property.

If the person who’s selling has a mortgage on the property, it means that the bank owns most or all of the property. If they want to sell the property, they can sell it but will require the bank’s permission.

Since solicitors will be involved in the home buying process, you’ll never be dealing with the vendor directly in most cases.

When you may be dealing with a vendor somewhat directly is if you’re currently renting and your landlord tells you that you’re planning to sell the property. In cases like that, they may actually offer to sell the property to you first.

The purchase/sale of the property will only go ahead once you and the vendor agree to the terms of the sale including the purchase price and both parties have signed the contract of sale.

A real estate agent is a licensed professional who negotiates and arranges real estate sales for a commission. These guys work for the vendor and not for you so be careful not to get fooled by an agent who tends to stretch the truth a bit.

A real estate agent can still be really helpful when you’re on the hunt for a home, that is, if you ask the right questions.

These 6 Questions To Ask A Real Estate Agent can help you identify potential risks with the property and give you a better idea of the value of the property.

Do you want to make home buying a seamless and stress-free process?

Call 1300 889 743 or complete our free assessment form and find out how we can help you.

Our specialist mortgage brokers aren’t just there just to get you approved for a home loan. They can actually guide you through the home buying process all the way the way up to you getting the keys to your new home

Original article and pictures take https://www.homeloanexperts.com.au/blog/home_loan_articles/6-guys-you-need-to-buy-a-home/ site

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