1) You are now on this website looking for homes so you have taken the first step. Now what we suggest you should do is prepare a short list of the properties that you think may be in your price range.
When you have done that, then it is time to contact an agent and establish a relationship with someone who you can trust. This will become an important step in home ownership as if you choose carefully then this relationship will put you in the hands of someone who knows the local Real Estate market and will help you to make a decision right for you. We strive to fill this role and can be contacted by phone, fax or email - all shown in our business profile on this site.
2) It is now wise to get some idea of how much money you can afford to spend on a home.
You can do this in many ways. The simplest is to talk to your chosen Dalby First National agent. They will help you establish contact with a proven financier who will give you a quick estimate of what you can spend on a home. Now you know how much you can spend and what you would like to look at.
These financiers are listed under financiers on this website for your information.
3) You should be aware that most good agents are working to sell properties and are happy to
share their commission and have other agents show their listings for them. So if you see a property
that you would like to see then ask your chosen Dalby First National agent about it. Whilst you are
in our office take a free copy of our Local Property Guide. It has photos and addresses of properties
listed so you can take your time and go for a drive to look for yourself when you like.
4) You should get on realestate.com.au and have a look around. It will give you a comparison of what is available and confirm that you are paying the right price for your home.
When you have made up your mind about what you are looking for then ask your chosen Dalby First National Agent to show you through a selection of homes and narrow down the field to one that suits your requirements. We will take the time to help you with your selection.
5) Now you are in a position to make an offer on your chosen property. This is fairly simple and this is where the relationship that you have built with your chosen Dalby First National agent becomes important. We will submit your offer, no matter what it is, to the seller and begin negotiations. You must be aware that the agent's responsibility lies with the seller to obtain the best possible price and terms of sale for their asset but at the same time to make the buyer aware of any information known to them that may affect the property or the sale. It can be both quite an exciting and a stressful time. This is where your chosen Dalby First National agent will be your best asset and your trust will be rewarded.
6) When the deal is struck and terms agreed it is time to go to contract. This is where the deal is
formalised, all the terms and conditions of the sale are put on paper and signatures are affixed to the contract.
7) Solicitors or conveyancers are now involved. The agent prepares the contract in accordance with the
buyer's wishes. The buyer's solicitor checks the documentation for legal correctness and after any changes are made advises the buyer that the paperwork is in order and ready for signature. At this time, the buyer will have to sign a number of forms, a PAMD (Property Agents and Motor Dealers Act 2000) 27c, a PAMD 30c, the contract, any annexures to the contract and then a buyer's acknowledgement form.
All these papers constitute an offer to purchase being submitted to the seller outlining all the terms and conditions of the offer. You must now pay a deposit into the agent's trust account (not to the seller) to make your offer a legal offer.
8) Once accepted the seller will usually submit this paperwork to their solicitors for advice.
The seller may change some terms of the offer made to them by altering some detail of the paperwork. If this happens then they are making a counter offer to you which you can either accept by initialling the changes or reject. If you do not accept the changes then there is no contract unless you are able to negotiate a solution. Here is where your chosen Dalby First National agent is again able to assist. If you do accept the changes then when you initial the changes the contract is dated by the seller and the cooling off period begins.
9) During the time from contract dating to the inspection date and finance date, the contract is conditional upon building and pest inspections and finance being satisfied. You should now not delay in organising these inspections and your finance. Should either of these be not satisfied then usually the contract is ended by the buyer's solicitor and the deposit is refunded by the agent after instruction from both solicitors.Your chosen Dalby First National Agent can help here too as some contracts can be renegotiated using a little of our proven skills.
10) When the conditional period of the contract ends, the balance of the deposit is due to be paid by you to the agent's trust account and, together with the initial deposit, forms part of the purchase price. You should remember to allow for this when your apply for your finance.
The solicitors will complete another part of their job by doing searches to make sure that you will get the propety with no problems left from the previous owners.
11) Settlement - this is it- your financier hands your money to your solicitor who makes sure that all is OK to hand it to the seller's solicitor in return for the clear title to the property. Once both conveyanceers have notified the agent of settlement then you are able to pick up the keys of your new home from your chosen Dalby First National Agent along with our congratulations.
However we will not lose sight of you as you have become one of the growing number of our valued clients.
