If you are anxious about buying your first home is scary, don't panic. I know the feeling. Borrowing money. Finance failing. The fear of overpaying. It is a big deal. However the greatest thing for your wealth. Owning a home is security. No landlord. Hang a picture. Your castle.
Gawler is the perfect place for first home buyers. The reason?. Prices are reachable. It is possible to find affordable options. Look for that in the city. It doesn't exist. But in Gawler, you can get a house on land for an entry level price. We have fixer-uppers. The stock is here.
You need help. It is complex. Conveyancers, forms. Confusing. Brad Smith, I enjoy helping newbies. I will teach you. Ask me anything. I want you to own. Here is the guide the steps easily.
Saving Up That First Deposit
Saving the cash is the biggest barrier. Getting that lump sum paying a landlord is tough. But you have to do it. Maybe not. Options. Low deposit schemes. A tiny deposit. Ask the bank. You could buy now.
Parents can help. Guarantor loans can get you in with no deposit if they back you. Serious commitment. But it works. No need for wasted money. Huge savings. Ask about it.
If you are saving, cut costs. Save hard. The reward is huge. The day you get the keys you will be proud. Stay focused. The house is there.
Talking To Brokers And Banks
Before you look until you have money. Find a lender. A broker is better. They shop around. Lowest rate for you. Get an AIP. A document saying the bank will lend a budget.
Why bother? Power. When you walk into an open, you know you can buy it. Negotiating, I listen to you. If you say "I need to check finance," It is risky. A financed buyer wins the house.
Brokers are free. The bank pays them. Make an appointment. It tells you your budget. Stop dreaming if you can borrow $400k. It is sad. Know your number.
Budgeting For The Extras
The purchase price is just the start. Extras. The big tax. In SA, it is expensive. Calculate it. Good news, for first home buyers, abolition of duty on new homes (rules change). Existing property, you pay it. Budget for it.
Settlement agent. Building inspection. Loan costs. Removalist. Utility connections. It costs thousands. Have spare cash. Don't spend every cent on the house. Funds required for the process.
Talk to Brad Smith. I'll show you numbers of what it costs. I have contacts reliable people. Don't be surprised. Be smart.
What To Look For At Open Inspections
When you inspect, look past the furniture. Furniture leaves. Check the structure. Is it moving? Is the roof straight?. Check timber. Mold smell?. Listen to the road.
Keep emotions check with the decor. Look for the layout. Fix the bathroom. You are stuck with the street. For a first home, look for potential. The dated one is the bargain. Improve it. The shiny one costs top dollar. Be smart.
Hire an inspector. Must do. Cheap insurance. It saves you $50,000. If the house has termites, be aware before you buy. If the report is bad, you can walk away (during cooling off). Don't buy a lemon.
Making That First Scary Offer
Making an offer is scary. The number? Don't lowball crazy. You lose. Don't waste money. Talk to me. "Where is the interest?." I can't reveal offers, but I will guide you. "You need to be higher." Read between lines.
Sign a contract. Verbal offers mean nothing. A signed contract money talks. You are a buyer. It is tangible. Higher chance to sign. Do it.
If you lose, don't give up. More houses come. Learn from it. Maybe you offered too low Offer more. Experience helps. Don't stop. You will win. I will help you. Hand over keys. It is the best feeling. Let's buy.
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