Your Productive To-Do List While Your Mortgage Broker Finds Your Loan.

You’ve officially outsourced the most complex and time-consuming part of the home loan process to our mortgage broker experts.

While we're busy comparing hundreds of loans, negotiating with lenders, and preparing your application, you now have time to focus on the other elements that will lead to a successful home purchase.

Here is your productive to-do list—the key things you can get busy with while we take care of the mortgage options.

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1. Become an Expert on the Property.

Your single biggest task is to find the right home. The pre-approval we're working on will give you a clear budget, so you can hunt with confidence.

Use this time to:

• Refine Your 'Must-Haves' vs. 'Nice-to-Haves': Now that you have a budget, get specific. Does that third bedroom really matter more than a bigger backyard? Is being close to a train station non-negotiable?

  
  

• Hit the Pavement (and the Portals): Shortlist properties on Domain and Realestate.com.au. More importantly, get out to as many open homes as possible. Nothing beats seeing a property in person to understand its true size, condition, and feel.

  
  

• Research Suburbs: Spend weekends in the areas you’re considering. Grab a coffee, visit the local park, do a grocery shop. Get a feel for the community, the noise levels, and the neighbours.

  
  

• Talk to Real Estate Agents: Introduce yourself at inspections. Let them know you are a serious, pre-approved buyer working with a broker. They will often alert you to new or off-market properties that fit your criteria.

  
  

2. Assemble Your Professional Team

A successful property purchase requires more than just a broker. You need to line up your other experts too.

• Find Your Conveyancer or Solicitor: This is your most important next step. A conveyancer handles the legal transfer of the property title. Ask for recommendations from friends or family, or we can provide a list of trusted professionals we've worked with through other clients of ufirst Finance. Engage them early so they are ready to review a contract as soon as you find a property you love. This can give you a crucial advantage in a competitive market.

  
  

3. Get Your Financial Ducks in a Row

Give yourself a head-start and prepare the other financial elements.

• Consolidate Your Deposit: Make sure your deposit and any extra funds are in one easy-to-access transaction account. This will make the final payment process much smoother.

  
  

• Calculate Your Total Costs: Get a clear picture of the funds you'll need on top of the deposit. This includes:

  • Stamp Duty: We can give you a precise calculation for your State.

  • Legal/Conveyancing Fees: Your chosen solicitor will provide a quote.

  • Building & Pest Inspection Fees: Budget around $500 - $800.

  • Moving Costs: Get a few quotes from removalist companies.

    
    

• Keep Your Spending in Check: This is critical. Lenders will do a final check of your bank statements before settlement. Avoid making any large purchases (like a new car), taking out new loans, or changing jobs until the keys are in your hand.

4. Prepare for a Successful Offer

Finding a property is one thing; securing it is another. Use this time to prepare.

• Understand the Market: After attending a few auctions and open homes, you'll get a real sense of what properties are actually selling for, which may be different from the advertised price guide.

  
  

• Line Up a Building & Pest Inspector: Research and choose a reputable building and pest inspection company. Once you make an offer, you'll need to act fast, so having someone on standby is a smart move.

By tackling this list, you are not just waiting; you are actively moving your property goals forward. You’ve outsourced the financial complexity and now you can focus on the exciting part...finding your new home!

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Contact us at ufirst Finance for a coffee and a chat to get started on your home buying adventure!