Stand Alone Products

A mortgage financial advisor helps you work out what you can afford to buy and find and secure the best home loan to meet your needs.

Getting lending can be a challenge. When you work with one of our financial advisor they help you prepare the documents so that you can put your best foot forward with the bank. A financial advisor also knows which lenders will work best for you and can often get you better rates than what you would get going directly to a bank.

A service that helps you understand how much a property is really worth.

Knowing a property’s true value ensures you don’t overpay and helps you make a smarter financial decision. The C.V. is not a valid number to use when considering what to pay for a property. The estimate you find online is not a valid number to use when considering what to pay for a property. If you get this wrong you can end up spending hundreds of thousands more than you should have on a property.

A report from the council that gives details about the land and property.

It helps you spot potential issues, like flood risks or unapproved building work. A property with unconsented work could cost you hundreds of thousands of dollars down the road.

A review of documents for properties with shared land, like some apartments or townhouses.

To understand any rules you’ll need to follow and any shared responsibilities. Failure to review this document could limit your freedom to make changes to the property or lead to legal costs down the road.

A careful look at the legal contract between you and the seller.

To make sure you understand all terms and to protect your interests before signing. Failure to review this document properly could leave you vulnerable to losing your deposit, facing penalties or missing out on key protections that make the purchase safer for you.

A check of any insurance claims made for natural disasters like earthquakes or floods on the property.

To know if there’s been any damage in the past and if it was fully repaired. If you fail to review this properly you may find that insurance money was taken and repairs not completed or repairs not completed properly. This could cost you hundreds of thousands of dollars.

Help with securing a guarantor, like a family member, to strengthen your mortgage application.

If you need a bit more support to meet lending requirements, a guarantor can make a big difference. However, the banks won’t let you use a guarantor arrangement without independent legal advice.

A legal document that sets out each person’s rights if you’re buying a home with someone else.

To avoid disputes by making each person’s responsibilities clear. This agreement protects your relationship/s and protects each person's assets in case of a relationship breakdown. If you don’t have an agreement in place there is no guarantee how profits will be shared. Just because you contributed 50/50 doesn’t mean the courts will find this to be the right outcome. Without an agreement in place, you risk a relationship break down and thousands of dollars in legal fees.

An agreement (also called a “prenup”) that defines property rights for couples.

To get on the same page as your partner and work towards your shared financial goals. This agreement protects your relationship and protects each partner’s assets in case of a relationship breakdown. If you don’t have an agreement in place there is no guarantee how profits will be shared. Just because you contributed 50/50 doesn’t mean the courts will find this to be the right outcome. Without an agreement in place, you risk a relationship break down and thousands of dollars in legal fees.

The final legal steps of a property purchase, where ownership officially transfers to you.

It’s the last essential step before you can call the property your own. This service and our other legal services are provided to you for a fixed fee so you can be confident about what you are paying for.