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Step by step of buying your house:
1) get loan pre-approval from bank (either going to Mortgage Broker or through bank)
2) search for a house with in the budget allowed in the pre-approval, ie 20% deposit, 400k max loan, and conditions of pre-approval
3) Once you find your dream house, either:
a) make an offer with the real estate agent, or;
b) check LIM report with Council, get a builder's inspection, then do a)
4) Once your offer has been accepted, your real estate agent will fax the Sales & Purchase agreement to your solicitor.
5) go talk to your bank, and give them the Sales & Purchase agreement
6) once the finance has been approved, your solicitor will be in touch
7) complete final inspection on the house with the agent
8) sign documents and transfer money via your solicitor's instructions on or before settlememt date
8) after all this, get the key from the agent, and enjoy your new house! |
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