41 Your Guide To Buying & Selling booklet An integral part of your listing kit, the booklet demonstrates the strength of the Raine & Horne brand. A4 (210mmx297mm) 20 page booklet YOUR GUIDE TO BUYING & SELLING YOUR GUIDE TO BUYING & SELLING 2 1 Update table of contents Founded in 1883, the Raine &Horne brand has become synonymous with real estate in Australia. Raine & Horne offers services and results that are simply outstanding. With over 300 offices, 3,000 employees, we sell in excess $11 billion value of property and manage more than 72,000 properties across Australia. This will give you the confidence that we will achieve the best results for you whether selling or managing your investment. As a fourth-generation 100% Australian-owned family business, we’re still driven to achieve the best results for you. You’ll notice a personal touch, professionalism and a true commitment to our clients. It is this approach that’s seen us grow from a single shop front in 1883 to over 300 offices nationwide today. Our growth means we’re able to see the big picture and use it to our clients advantage. With offices across all states and territories; city, coastal, country and overseas, we tailor campaigns to reflect your marketplace. In 2018, Raine & Horne celebrated its 135th year in business, making it one of the oldest privately owned firms in the southern hemisphere. Inextricably linked to the Australian property market, Raine & Horne is continually rated as one of Australia’s highest profile real estate companies The Agent Of Choice The Right Agent For You The right agent makes a real difference to your sale. Local knowledge, market experience and drive to achieve the best result possible is our recipe for success. A great agent will not only get you the best result possible, they’ll also make sure you’re kept well informed about pricing, financing and marketing options. We are on your side throughout the entire sale process. We’ll always act in your best interest, offering you the guidance to help you make the best decisions. When it comes to property, we all know presentation matters. The same can be said for agents. A good agent is easy to communicate with and fosters a sense of trust. This is essential for you as a seller but puts your buyers at ease too. Once you’ve established a good rapport, make sure they have a reputation for success. The individual agent and the agency they represent should have a strong track record and a knowledge of the local area that’s second to none. We pride ourselves on both the reputation and character of our agents. Their individual track records are proof of their expertise. A strong network means individual agents are supported and have the reach your property needs. Our entire network offers our clients access to specialist advice, leading digital marketing solutions as well as our interoffice referral system. It’s a great advantage for properties that require exposure beyond the local market – even internationally. Over 135 Years’ Experience Since opening our doors back in 1883, we’ve consistently enjoyed one of the highest sales turnover rates in the country. That’s because we’re committed to personalised service across sales, leasing, management and consulting services – no matter the property. Through market peaks and troughs, Raine & Horne has continued to succeed. A Solid Reputation We have put in the hard work to become one of the largest networks in Australia, but also the most respected. This is in no small part to our dedication to consistently deliver professional, personalised service across everything we do. Raine & Horne’s office on 70 Pitt Street, Sydney YOUR GUIDE TO BUYING & SELLING 3 In Australia, 90% of people choose to use a licenced agent. When you choose Raine & Horne, you’re giving yourself a clear market advantage. Latest Technology Our technology gives sellers a real edge, rh.com.au is consistently ranked as a top industry site in Australia. Our website attracts thousands of visitors every day, displaying the tens of thousands of properties across our network as well as the latest industry news and insights. DigiKit, which is our web-based appraisal platform, allows agents to tailor a personalised, real-time appraisals and reports for you in just minutes. Exclusive to Raine & Horne, Amplify a highly powerful, targeted digital platform uses artificial intelligence, placing up to 72 online ads for your property across Facebook, Instagram and the Google Ad network, connecting with genuine audiences based on their online profile and behaviour. National & Global Network We leverage our size to deliver our clients the best results locally. The vast exposure you’ll get with Raine & Horne is the result of a network with over 300 offices throughout Australia and across the globe. At home, we have offices in every capital city as well as a network in our regional cities, suburban, coastal and country areas. A Leading Superbrand Raine & Horne was voted as one of Australia’s most trusted brands by the Superbrands Council, a panel of highly respected and experienced business and marketing individuals. We share this iconic status with the likes of Qantas, Vegemite, Woolworths and Myer. Professional Standards To uphold our excellent reputation, all our agents take part in regular training. Our ever-growing network connects agents with experienced and knowledgeable trainers; they attend regular targeted training courses as well as external seminars and events. This helps ensure all our agents are number one in their field. Their expertise in marketing strategies and sales techniques ultimately helps ensure you get the best price for your property. Creative Marketing Selling with us gives you the benefits of professional selling practices, creative marketing ideas, and an auction practice second to none. We are committed to tailoring campaigns that inspire and deliver outstanding results. Can Offer You What our Agents “Although we are proud of our long history we are a forward-thinking, dynamic & diverse business.” - Angus Raine YOUR GUIDE TO BUYING & SELLING YOUR GUIDE TO BUYING & SELLING 14 13 Choosing a Home Loan There are plenty of different home loan options available, each offering different rates and features. Raine & Horne offer a dedicated brokerage service Our Broker, who will be able to provide you with information on the types of loans they offer. When it comes to choosing your loan, look for a competitive interest rate, sufficient repayment time, favourable conditions and options that will suit you. Variable Home Loans If you want to take advantage of the current market rate and enjoy some flexibility, a variable loan may be for you. It often starts with an introductory rate and then after a set time will change depending on the current rate. You can usually make additional payments. Basic variable loans will have fewer features but may offer a lower rate. Fixed Interest Loans If you like certainty, a fixed loan can be a good choice. With set payments, you’ll know exactly how much you need to pay. That means that you won’t experience rate rises, but you also won’t benefit from any unexpected drops in rates either. Split Loans Variable? Fixed? Not sure what’s right for you? A split loan may be the answer. Simply select the amount you want to fix and leave the rest as variable. Line of Credit Often offered as part of a home loan, a line of credit allows you to borrow against the value of your home. It means funds are easily accessible when you need them. Bridging Loan If funds are required to cover the gap between the purchase and sale of a property a bridging loan may be the answer. Redraw If you’ve made extra repayments on your loan, a redraw facility will allow you to access them when you need them. Be sure to check the details with your financial provider. Flexible Repayments Pay your home loan off faster by making extra repayments, in addition to the monthly repayments. First Home Buyers Grant If you’re looking at buying your first home, you could be eligible for the First Home Owners Grant. The grant is different in each state and territory, and in most places, it applies to new homes only. Stamp Duty This is a tax paid by the purchaser on all real estate. You’ll need to factor in the cost of stamp duty on top of your purchase price. Mortgage Insurance If you’re borrowing more than 80% of the purchase price, you’ll generally need to take out mortgage insurance. It’s typically between 2% – 4% of the purchase price and protects the lender. Conveyancing Most employ a conveyancer or solicitor to manage the legal side of buying or selling property. They prepare the contract and settlement documentation as well as provide legal advice and explain the implications of any finer details. This involves the following steps: • Examining the contract of sale. • Review of the strata inspection or company title report. • Arranging payment of stamp duties. • Checking for outstanding arrears or land tax obligations. • Finding out if any government authority has an interest in the land or if there is any planned development. • Discovering any information that may not have been disclosed such as illegal building work. • Calculating adjustments for council, strata and water rates for the property settlement. • Completing final checks prior to settlement. • Attending settlement. • Overseeing the change of title. • Exchanging the contract and paying the deposit. • Arranging building and pest inspections. • Preparing and examining the mortgage agreement. A property is a large investment, any information you have will help you make a strong decision. Before committing, consider getting a professional assessment like building and pest inspections, and if you are looking at an apartment, secure a recent copy of the body corporate minutes. Due Diligence Building Inspection Unless you are a trained professional, it can be difficult to see behind the walls of a property. To fully understand the property’s condition, you will need a building and pest inspection to identify any significant building defects or problems. The consultant will inspect the interior and the exterior of the building. If the inspection does identify issues, you can ask the vendor to resolve these prior to settlement or try to negotiate a lower price. Strata & Company Title Searches If you are buying an apartment, townhouse, or villa, you will probably share the cost of repairs to common property. For any property managed by a body corporate it’s important to arrange a strata or company title search. This provides you with the history of the property including a list of past and proposed repairs to other units and common areas and any special levies that may be forthcoming. If you are unsure of any part of the process, the listing agent can provide assistance throughout. YOUR GUIDE TO BUYING & SELLING 17 Checklist Time to Move F I NANCE I NSURANCE UT I L I T I ES CONVEYANC I NG HOME SAFETY DEPREC I AT I ON For more information, call 1800 960 230 or visit rh.com.au/assist An obligation free service, that takes the hassle and stress out of moving. Raine & Horne Assist will take care of everything, utility connections/ disconnections, home loans and personal insurance all in one place. How does it work? Visit our website rh.com.au/assist select your preferred options, you will contacted by the appropriate provider. Disconnect phone & internet services, & arrange reconnection at the new address. Don’t move items you no longer want. Have a garage sale or donate them. If you are doing your own packing, hire or purchase boxes & start well in advance of the move. Pack your least used items first, label each box carefully & nominate a room for it to be placed in at the new address. Week Before Confirm the deatils with your selected removalist Tidy the garden, cut the lawns &remove any rubbish. Empty fuel from lawn mowers, lamps & fuel heaters. Empty any gas bottles – they have been known to explode in removalist trucks. Collect/return anything outstanding such as dry cleaning & repairs. Arrange an on-street parking permit if required. Defrost the fridge the night before your move. Arrange carpet cleaning. Moving Day Keep valuable documents & keys handy. Make a final inspection to be sure nothing is forgotten. Double check closets, garden sheds, attic, & garage. Ensure everything is turned off & locked. Supervise placement of furniture & boxes. Check the phone, electricity, internet & gas are connected in your new home. Arrange care for children & pets on moving day. Moving is stressful enough without interruptions. Guide for Parents Discuss the move with your children. Talk to them about where you are moving to & what they can look forward to about the move. Show them pictures or take them to look at the new home if you can. Give everyone a job to get them involved in the move. Label your children’s belongings so you can find them easily when you arrive at your new home. Take photos of your old house so your children can remember their time there. When it comes time to move, take an organised approach, mark things off one at a time. The following checklist can help you remember all the small details.
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