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First Time Home Buyers

If you are a first time buyer the first thing you must do is educate yourself. If you are reading this then you are definitely headed in the right direction. Below are a few tips to help you along the way to buying your first home. You can also email us for a free Buyer's Check List. This covers costs, some traps for the unwary, a buyers tracker guide, as well as types of loans, how to estimate what you can afford, etc.

·        Join the Mortgagehelp Information Service. Not only will you learn a lot, but you can ask as many questions as you want without having to feel "foolish" or "stupid".  Also register for the free email newsletter (Enter your name, phone number, and any sports, hobbies or pastimes you are interested in, to receive a newsletter full of tips, finance updates, and interesting everyday information).

·        Get a pre-approved mortgage. This is a good first step in knowing what size of mortgage you will qualify for and what sort of costs are involved in obtaining the mortgage. Apply for a pre-approved mortgage right now.

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·        Find A Good Lawyer. Find out what they will charge you to act on your behalf. Typically they will charge a fee + disbursements.  Email us (Enter your name, phone number, and what situation you need a lawyer to help you in) for a list of recommended lawyers/solicitors in your area.

·        Find A Good Real Estate Agent. You will be relying on this person to show you the home you will be living in for quite some time so you want someone you can trust. There is nothing worse than dealing with an agent that knows less than you do or who tries to push you into buying every home you see. Email us (Enter your name, phone number, and what area you need a Real Estate Agent in) for a list of recommended Land Agents in your area. State the type of property that you are looking for and if you have a language preference.

·        If you are buying a resale home you may wish to have a home inspection completed! For a few hundred dollars a home inspector will view the home with you and point out any shortcomings of the house.

·        If you are buying a new home from a builder, ALWAYS have your lawyer review the contract before you sign. Builders can  bury extra costs into their offers. Your lawyer will point these out to you and quite often you can go back to the builder and negotiate these costs out of the offer. Most lenders will require a "fixed price" contract.

·        When you are buying a house act like you are at a garage sale. Everything is negotiable! This is a great time to haggle, you can save yourself thousands of dollars.

·        Consult a mortgage broker about your financing needs! A good broker will save you money and help you avoid the headaches involved in dealing with your bank.  They can also organise valuers (Enter your name, phone number, and what area the property is that you need valued), building inspections, lawyer etc to save you time.

If you follow some of these basic tips you are bound to enjoy your new home! Good luck! Email us for the definitive Buyers Guide (Enter your name, phone number, and when you are looking to buy by) to  help you step by step through the whole process. This is FREE.


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