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The Process

Buying

Once you have found a property to purchase, make an offer through the agent. The Vendor then agrees to a price and the general terms of the sale, and a sales advice is sent to your Conveyancer or Lawyer. In the meantime, organise your pre-purchase inspections, which might include building and pest inspections as well as a financial valuation. The Vendor's Lawyer or Conveyancer submits the final Contract and you meet with your legal adviser  to discuss the terms and to sign.

As soon as the pre-purchase inspections are finalised and the formal loan approval is granted, you pay the deposit.  You are now ready to Exchange.

After Exchange, your lender prepares the mortgage and your Lawyer or Conveyancer makes all the legal preparations for the property to change hands. This generally takes 6 weeks.

Once everything is in order, Settlement occurs and you collect the keys to your new home.

Building Certificate

Each city council area has its own Building Certificate application requirements. Most council areas require a Survey of the land to accompany the Building Certificate Application. If you would like to apply for a Building Certificate from Blue Mountains City Council, you will need to fill out  an application form, which you can downloand if you click here. For more information on building and planning, you might like to visit this link to the Blue Mountains City Council website.

Banker, broker, loan initiater - What's the difference?

One of the most common questions our purchasers ask is whether they need a broker, a lender, or a banker to apply for their loan. Our team can help you gain an understanding of your options, including how your choices might affect the costs of your transaction. Or follow this link to the latest fact sheet which provides an independent assessment of your options.

Calculate your stamp duty

Would you like to know how much stamp duty you will need to pay for your purchase? Visit the Office of State Revenue calculaters to estimate your liability:

Transfer of land or business calculator

Selling

When selling in New South Wales, you are required to make certain disclosures about the property which tell the buyer everything they need to know about zoning restrictions and the services which are available to the land. This is called Vendor Disclosure. You meet this obligation by asking your Conveyancer to prepare a Contract. In the mean time, invite your preferred Real Estate Agent to conduct a market appraisal and prepare a marketing campaign. Chase up any paperwork which might be missing, such as Council building approvals, which must be shown to the Purchaser. If you have lost or misplaced your any building certificate approvals from Blue Mountains City Council, you can click here to access the form you will require to request copies of your documents to be sent to you or your lawyer.                

The Real Estate Agent will negotiate with the Purchaser until everyone has agreed to the terms of the Sale. Your Conveyancer finalises the Contract and you make an appointment to discuss the Contract and to sign.

Once the Purchaser has finalised their pre-purchase enquiries, your Lawyer or Conveyancer will Exchange Contracts.

After Exchange, your Lawyer ot Conveyancer makes all the legal preparations for the property to change hands, including advising your lender to discharge your mortgage. This generally takes 6 weeks.

Once everything is in order, Settlement occurs and your money is banked.

Guide to Costs

The Department of Housing has published a very helpful information sheet that provides assistance with estimating costs, including loan application fees, removalists fees, and utility connection fees.

Guide to the Costs and Home Purchase