Life is full of decisions. Relationships, children, career and lifestyle.
And buying a home or property is about the biggest financial commitment and decision you’ll make. But it’s also going to be an exciting turning point, one that will most certainly make the most impact on your lifestyle.
For many it will be something you have never done before. Selecting the right home, in the right area, organising finance and negotiating the sale, it all sounds a little daunting.
Yet it isn’t as complicated as you may think and there are many ways First National Mudgee can help.
Make An Appointment
Many people make the mistake of jumping in the car and planning a day or weekend of property hunting, only to arrive at the agents office to find they cannot inspect the desired properties due to any number of variables ie the property may be rented & inspections may not suit the tenant or the owners may be away. Making an appointment earlier in the week will help overcome these frustrations and help your agent to allow the time needed in this important decision making process!
This is an important and exciting time in your life and we want to make sure it’s enjoyable and all goes smoothly.
First Things First - What Kind of Home or Property Do You Want?
The first step is to decide what kind of home will suit your tastes and your lifestyle.
You’ll find a First National Priorities worksheet after this information. It will save you time and help you to focus on factors you might otherwise overlook. It will also serve as a reminder of your priorities when you start looking at homes and/or properties.
Establish Family Priorities
· Start an all-family member housing priority discussion before beginning to look at your options
Begin with the realistic family requirements “must list”. Include every member of the family in the discussion especially the kids. Anticipate potential changes in your family’s lifestyle and size, children, grandparents moving in, job changes and these days, the growing trend towards working from home.
· What location will be convenient for all family members or how far from town you are prepared to live, what do you want to do with the land?
Home purchases are too often based on the type of house without sufficient though about schools, shops or extracurricular activities important to all household members. If there is more than one wage earner, think about the convenience and cost of both commuting to work.
· Do you need to make special considerations for books, collections, art, clothes, seasonal storage, sports, games, hobbies and valuables.
· Establish the price range you can afford to consider by completing the Budget Worksheet at the end of this information.
· How long do you expect to live in the home. If it’s only for a short time, resale value may be of paramount importance.
Next, Define Individual Priorities
· What are the privacy and needs of each family member?
· Do some children or family members enjoy sports, hobbies, activities that require allocated space inside or outside the home?
· Anticipate the inevitable, short-term changing needs of your family, keep in mind that the space need of children change dramatically as children mature. Privacy and their own space become a priority especially during high school years.
· Are your leisure activities based away from or around the home?
Why consider a house that requires time, expense and effort to maintain if most of your free time is spent away from the home and / or time and money to do both are not available?
What Can You Afford?
Before you actively begin to look for a home, there’s one more very important thing you need to determine, what you can comfortably afford to pay for your new home. The Budgee Worksheet following will help you establish what you can afford to pay each month.
A lending institution will apply a Qualifying Ratio, the percentage of a home buyer’s gross income that can prudently be allotted for debt, based on your income or incomes.
The most commonly used rule of thumb is 28% or 365, which limits the sum of monthly mortgage principle, interest, tax and insurance payments (PITI) to 25% of the home owner’s gross monthly income and further limits the total of all long-term debt payments to 36%.
Even before you start looking at homes or property, First National Mudgee can help by assisting you to determine both your priorities and your potential price range.
No matter which lending institution you decide to consider, begin the mortgage dialogue early. You can make the home buying process a lot easier by becoming pre-approved, or at least pre-qualified, before you settle on a particular home.
These terms mean:
Pre-approved: Your mortgage lender has reviewed your formal mortgage application and financial records, completed a satisfactory credit check and approved you for a specific loan amount, subject to an appraisal and possibly an inspection of the home you decide to buy.
Pre-qualified: Your income, employment history and your available down payment qualify you as a potentially approvable mortgagee. You will still be subject to the mortgage lender’s approval of a completed application, satisfactory credit check, home appraisal, and home inspection.
A Few Basics About Home Loans
To obtain a home loan, you’ll need to be 18 years or older, and have the income to meet the loan repayments. Most lenders will lend you the money for a home whether it’s a flat, unit, house or land package. A number of different home loan options are available.
NOTE – If you are considering purchasing a rural property you will generally need a larger deposit, make sure you advise your lending institution if this is the case.
Generally you have the option of paying your loan on a weekly, fortnightly or monthly basis depending on what suits your requirements. The more often you can make repayments, the lower the interest cost and the sooner your loan will be repaid.
If you hope to pay off your loan earlier, ensure that your loan allows for additional repayments, increasing the monthly repayment amount, or occasional lump sum repayments that may be made at any time. And that you can also pay out the loan in full at any time without incurring any penalties.
Fixed Rate Home Loans generally have charges for early repayment.
Repayments are determined by the amount borrowed, term of your loan and the interest rate. To help you, we’ve included an indicative repayment guide following.
Most lenders will strongly recommend Mortgage Protection Insurance. With this insurance, your home loan is automatically paid off in the event of death or totals and permanent disablement of the loan holder. You don’t have to worry about who would meet your home loan repayments if you could never work again through an unexpected serious illness, accident or fatality.
Choosing The Home Loan That's Right For You
There are two basic types of home loans available, both offering you a range of repayment options.
Variable Rate Home Loan
The interest rate is described as variable because it may change during the term of the loan depending on economic conditions. You can usually make your repayments monthly, fortnightly or weekly.
The maximum term is 30 years. Interest is calculated on the daily outstanding balance of your loan and charged to your account monthly, so any additional or increased repayments will benefit you immediately. There are seldom extra costs for early repayment of the loan, other than Government / Bank discharge fees.
Fixed Rate Home Loan
As the name implies, this home loans has a fixed rate of interest for a set term. Terms can vary from one to five years. After which, the loan can be renegotiated for another fixed rate period or transferred to a variable rate home loan.
Repayments also remain fixed for the negotiated term. You may be able to choose to repay interest only or principal and interest.
There may be additional costs if you opt for early repayment of the loan.
Other types of home loans include: Flexi Fixed, High Start, Low Start.
How To Apply For A Home Loan
Call your bank or lending institution and make an appointment to discuss your needs. It is not essential to have a specific property or home in mind.
The lender will give you an indication of the amount you’ll be able to borrow.
Later, when you have found a home, simply ring to set up an appointment for the normal approval and application process. When you’re going to meet with your lender, you can speed up the process by being prepared with all the necessary information.
So remember to bring the following:
1. Current employment and income records
Take confirmation of details of your employment and income for the last three years (for example, Tax Returns, Group Certificates or a salary or wages slip).
2. List of Assets
Note down your assets (money on deposit in the bank, cars, investments, real estate, stocks and bonds, collections and other assets) and their values.
3. List of Liabilities
Write down what you owe (credit cards, personal or car loans, charge accounts). Credit card numbers can speed up the process.
4. Your Budget
Use the worksheets included in these notes. With this information, you can discuss your options and the kind of home loan and repayments that are right for you. Your home loan consultant can then issue you with a pre-approved or pre-qualified certificate which states how much they are prepared to lend you for a home.
With this certificate, you can start house-hunting with confidence. It also serves to put you ahead of the race when other would-be purchasers are interested in the same property as you are.
So Now You're Ready to Find Your New Home
You probably have an image of the type of home or property you would like.
Your First National Mudgee consultant will help you by identifying your needs in relation to your new home and assisting you to find the home that will suit your family and your budget.
There will be many properties on their books and even if they don’t immediately have “that special home”, they know of properties coming up for sale and will often be able to fit a buyer with seller without the home ever appearing in their window.
Don’t forget to take the checklist in these notes so you can go back to your notes and make sure it fits your needs. It’s easy to get carried away and forget what you decided on. If you need more checklists, please feen free to photo copy it.
First National Real Estate Mudgee is a member of Australia’s largest real estate network. Like all First National Real Estate members, the office is locally owned and locally operated. Many members are second and third generation agents in their area.
First National Mudgee are a part of the Mudgee community, we know local values and we have a wealth of knowledge about the Mudgee district.
The strength of dealing with a network like First National Real Estate is that your new home can be found no matter where in the world you may want to buy. Most offices have technology links that will enable you to view a potential home on the other side of the city, in another state or even another country.
Understanding Technical, Legal & Building Terms
Adjustment. The apportion between buyer and vendor of expenses like Council and Water rates.
Allotment. A lot or block subdivided from a larger portion of land.
Amortisation Period. The full term of the loan, in other words the number of years it will take to repay a home loan completely. Maximum amortisation period is usually 25 years.
Appraised Value. An estimate of the value of the property offered as security for a home loan. This appraisal is for financial lending purposes and may not reflect the actual market value.
Assets. What you own.
Auction. Sale of a property in public to the highest bidder.
Breach Of Contract. Breaking the terms of the contract.
Brick Veneer. A system of building in which a structural timber frame is tied to a single brick external wall.
Bridging Finance. A short term loan, usually at a higher rate of interest taken out by people who have bought a hosue while waiting for theirs to be sold, or when a normal mortgage and their savings fall below the asking price.
Building Regulations. Designed to uphold the standards of public safety, health, and construction, these regulations are in place and have been formulated by local councils to control the quality of buildings.
Caveat. Is a document any person with a legal interest in a property can lodge with the Titles Office to ensure the property is not sold without their knowledge.
Caveat Emptor. Latin for “Let the buyer beware”. This puts the burden onto the buyer to be satisfied with the property before purchasing.
Certificate of Title. Legal proof of ownership of a property, carrying the owner’s name and other information.
Chattels. Chattels are personal property. There are two types. Real chattels are building and fixtures. Personal chattels are clothes, furniture, etc.
Cluster Housing. Detached group of houses which share open space.
Cluster Title. Each Cluster Title holder has a Certificate of Title which specifies ownership in terms of a particular area for which the owner is responsible, and defines the common property. Unlike a Strata Title, it does not subdivide “airspace”.
Commission. Fee payable to real estate agent for selling a property by the person authorising the sale. Usually a percentage of the sale price.
Common Property. Areas in strata-title properties shared by all owners.
Company Title. This title applies when owners of flats in a block from a company. Each has shares in the company which owns the land and buildings. The owner of the shares is entitled to exclusive occupation of a flat. However, if you want to alter occupancy in any way, you must have the company’s approval to do so. See your solicitor before buying.
Contract Note. The first document signed on buying a house is sometimes a Contract Note, instead of a Contract of Sale. This document when signed by both parties is a legally binding as a Contract of Sale and the buyer and seller should treat it with the same importance. It must be accompanied by a Vendor Statement.
Contract Of Sale. Written agreement setting out the terms and conditions of a property sale.
Conveyancing. Legal process of transferring the ownership of a property from one person to another.
Covenant. Conditions affecting the use of land or property written into the title.
Deposit. Usually 10% of the purchase price of a property placed in trust as evidence of intention to buy. Non-refundable, after exchange of contact, it goes towards the purchase price when the sale goers through.
Easement. A right held by someone to use land belonging to someone else for a specific purpose. Mains, drains and water pipes are usually covered by an easement.
Encroachment. When a building overhangs someone else’s property, or a fence is built over the dividing line between two properties.
Encumbrance. An easement, mortgage or other liability on a property which impedes its use or transfer.
Equity. The difference between the value of a property and what is owed on the property.
Fitments, Fittings and Fixtures. a) Items like baths or stoves, b) light and other fittings, and c) kitchen, linen or storage cupboards or wardrobes. Fittings are not normally included in a contract if they can be removed without causing damage.
Flat Interest Rate. Is calculated on the original amount of the mortgage for the whole term of the loan.
Freehold. An owner’s interest in land where the property and the land on which it stands both belong to their owner indefinitely.
Guzumping. If someone has agreed to sell you a property and then sold it to someone else for a higher price than the asking price, you have been gazumped!
General Law Title. Old complicated form of land ownership in form of chain of documents. Can be more than 100 years old and of historic interest.
Interest-only Loans. Loan on which interest only is paid periodically and the principle paid at the end of the term.
Inventory. List of items included with a property for sale; usually furniture, furnishings and other removable items.
Investment. The purchase of an asset, as real estate, with the ultimate goal of producing capital gain on the resale of the asset.
Joint Tenants. Is the equal holding of property by two or more persons. If one person dies, his share passes to the survivor/s.
Land Tax. Value-based levy applied to some property (exemptions include principal place of residence).
Lease. A document granting possession of a property for a given period without conferring ownership. The lease document specifies the terms and conditions of occupancy by the tenant, including period of occupancy, rent payable, etc.
Leasehold. The interest in land of a person who owns a lease granted by a freeholder.
Liabilities. Your outstanding debt or what you owe.
Limited Title. Form or Torrens Title which applies to a property before it has been adequately surveyed.
Maturity date. The last day of the term of the home loan agreement. The home loan must then be paid in full or the home loan agreement renewed.
Mortgage. Legal agreement on the terms and conditions of a loan for the purpose of buying real estate. (A Mortgagee lends the money to a mortgagor, the borrower).
Mortgagee. One who lends the money for the property.
Mortgagor. One who borrows the money to purchase property.
Multiple Listing. System of selling the property through many agents. They buyer pays only one commission. This goes to the agent who lists the property on an official multiple listing form and is shared between the first agent and the agent who actually finds the buyer.
Offer to Purchase. A formal legal agreement which offers a specified price for a specified property. The offer may be firm (no conditions attached) or conditional (certain conditions apply).
Old System Title. Another old form of land title and also known as Common Law Title. Automatically converted to Torrens Title on the sale of a property.
Option to Buy. Legal agreement giving the buyer the right to purchase property at an agreed time and price.
Option fee. Usually one percent of price, is payable and forfeited if buyer does not go through with the transaction.
Party Wall. Wall separating two adjoining buildings and normally straddling the boundary.
Plan. This shows the ground plan design, elevation of house, number and size of rooms, kitchen, bathrooms and laundry layout, position of the house on the land.
Principal. The actual amount of money that has been borrowed to buy a property.
Private Sale. The seller does not engage an estate agent but acts on his own behalf, dealing directly with the buyer.
Private Treaty Sale. Sale of property via an agent through private negotiation and contract.
Qualified Title. Applied to some Old System Titles converted to Torrens Title which may not have been fully investigated.
Real Property. Land, with or without improvements.
Requisition of Title. The process in which the buyer of a property asks for written information about the title to a property from the vendor in addition to that supplied in the Contract of Sale.
Reserve Price. Price below which an owner is not prepared to sell at auction.
Right of Way. Right of access across a property.
Rise and Fall Clause. This clause would be contained in a building contract. It provides for an upward or downward contract price dependant on movement of prices, wages or other factors specified.
Security. Property offers as a backing for a loan. In the case of home loan money usually acts as the security.
Semi-detached. Two building joined by a common wall.
Settlement. Completion of sale when balance of contract price is paid to the vendor and the buyer is legally entitled to take possession of the property.
Sole agency. One agent or agency has the exclusive rights to sell a property.
Stamp duty. A State Government tax imposed on the sale of real estate. It is determined by the sle value, and it varies between states.
Strata Title. Most commonly used for flats and units, this title gives you ownership of a small piece of a larger property including “air space”. You have sole right to a particular unit and can lease, sell or legally dispose of your unit as you desire. You also have an undivided share of the common land. You also become a member of the Body Corporate which controls maintenance.
Stratum Title. This title gives you legal ownership over a piece of property and also gives you a share in the company set up to look after the common areas of the flats or units you live in. It does not include “air space”.
Survey. Confirmation of the property boundaries and improvements.
Tenants in Common. Tenancy in Common is the holding of property by two or more persons, either equal shares or unequal shares. If one person dies, the property is dealt with in accordance with the law.
Term. The length of a home loan. Payments made may not fully repay the outstanding principle by the end of the term because the amortisation period is longer. For example, a Fixed Rate Loan might have a five year term, but it will take 20 yeas to repay the loan completely. When a term expires, the loan is renegotiated.
Title Search. The process of examining the land title to ensure the vendor has the right tot sell and therefore transfer ownership. A title search details the name of the owners and other information about the property such as encumbrances or caveats on the title.
Torrent Title. System of recording ownership of property, also known as Certificate of Title. Most common and simplest for of title to property.
Town House. Two storey attached building, usually Strata Titled.
Transfer. Document registered in the Land Titles Office recording change of ownership of a property.
Unencumbered. Property free of covenants or other restrictions.
Valuation. Assessment of the value of a property give in a written report by a registered valuer.
Variable rate loan. A home loan for which the interest rate changes as the money market changes. The payment remains the same, however the amount applied to reduce principal changes according to change in interest rate.
Vendor. Person offering a property for sale.
Vendor Statement. Statement setting out particulars of the property, made by the Vendor.
Villa. An attached dwelling usually single storey.
Zoning. Control of the use of land exercised by local authorities or the responsible planning authority.
It's The Property Of Your Dreams And You Can Afford It ... What Do You Do Now?
There are two ways of buying a property – auction or private sale (direct from either the owner or through owner’s agent).
Offers to purchase may be made in two ways – conditional or unconditional.
An unconditional offer mans you are comitted to buying the house as listed (with or without drapes, fixtures etc.) at the price agreed without any other conditions.
A conditional offer mans that you will buy the property only if certain conditions are met. These must be listed on the Offer to Purchase.
For example, your offer may be conditional on arranging finance. If finance cannot be arranged within a certain period of time, the offer is void.
For your own protection, you should nominate a specific lender as your source of finance. Leaving out a nominated lender or having open-ended finance conditions on your Offer to Purchase may force you to take up finance at substantially higher rates, perhaps shorter terms, and from a lender you would not normally deal with.
Another condition might be an up-to-date survey or soil test of the property. If the seller cannot do so within a specified period, the deal will fall through.
Your Offer Is Accepted
Once your offer has been accepted, you will be expected to pay the deposit as specified in the offer document. You may have already paid a partial deposit or a “token deposit” (prior to acceptance of the offer) as a show of good faith and your intention to buy. (Of course, the balance of the deposit would be paid at a later date after acceptance.)
Once your offer has been accepted, you will need to supply the name or names you are purchasing and Solicitors details to your agent. Your agent will then furnish both the vendor and purchasers solicitors with a sale advice setting out the details of the sale including purchase price, any special conditions, inclusions etc. You will be supplied with a copy of this information as well for your own records. At this point it is advisable to make contact with your solicitor / conveyancer and confirm that they will be prepared to act on your behalf and to expect details from the agent in relation to the purchase.
At this point, it is common for your solicitor to suggest you obtain a pest report and sometimes a building report on the property. Your financial institution may also require a registered valuation to be carried out.
Once these procedures have taken place your solicitor will advise when the deposit (usually 10% of the purchase price) is to be paid and to whom (usually either your solicitor or agent).
The vendor will then sign the offer document. At this point, a ‘contract’ exists which legally binds you and the vendor.
Some states have a cooling off period which enables you, the purchaser to terminate the Contract of Sale that you have entered into. There are generally many limitations applying to this right and in any event the vendor is generally allowed to retain a portion o the deposit paid. If you are unsure about your rights, seek advice from your solicitor before entering into Contract of Sale.
Buying At Auction
Auctions may be held either at the property, agent’s office or hotel seminar room. You will be given a change to inspect the property usually at an open day a week or two before the auction or by arrangement.
Before you attend, contact you lender. It is advisable to let them know that your search has been successful and you have chosen a property you wish to buy at auction.
All things in order, you will have obtained a Pre-approval Certificate which is an indication of how much money you will be able to borrow. Arranging this form of preliminary financing is very important as it demonstrates you ability to repay a home loan and your sincerity to purchase.
What Should You Do At An Auction?
Prior to the Auction, it is advisable you should always have your solicitor check the terms and conditions of the Contract of Sale of Real Estate.
Whatever the disclosure requirements are in your state, you should seek the following information from the vendor:
· search of the title documents (which details the names of the owners and other aspects of the property, such as encumbrances and caveats)
· sewerage diagram
· full list of the annual out-goings, such as water and council rates
· the zoning of the property (Zonings can be industrial, rural, residential high density, residential, or if there are any proposals for re-zoning, consult your solicitor)
· details of the mortgage/s (if any) currently attached to the property.
· details of any other interests that people or organisations may hold in the property. (For instance, road construction authorities may have plans for a new highway or road widening in your street or in the vicinity of the property.)
· details of any builder’s guarantees applying to the property.
· council permits for any renovations, additions or alterations to the property.
· if the property has a strata title, it is important to see the folio of the Register for the lot and common property an a copy of the strata plan ad body corporate minutes.
It is a good idea to attend an auction or two before bidding yourself, and remember, to bid at a property auction you need to register with the Auction Agent prior to bidding. Discuss this further with your agent.
The most important thing to keep in mind at an auction is your financial limit. Keep a cool head and bid for the property, not just against another bidder. Once you have made a bid, it cannot be withdrawn.
What Do You Do When Your Bid Is Successful?
When your bid is successful, you will be required to pay the deposit (usually 10% of the purchase price) immediately.
There are a number of ways you can have the money ready:
· cash, which can be very risky
· personal cheque with adequate identification
· bank cheque
Immediately after the bidding, contracts are signed and the deposit is paid. There is no cooling off period. You are committed to buy.
There are occasions when the bidding does not reach the owner’s “Reserve Price” and the house is not sold. The house is then considered to be “passed in”. If the property is passed in, the highest bidder usually has first opportunity to negotiate with the seller and the agent.
The deposit monies must, by law, be banked into an official trust account on the day they are received or by no later than the next business banking day. Any interest paid on an Estate Agent’s trust account by the bank is paid directly to the Receiver of Public Monies on behalf of the State Government. Absolutely no interest or benefits are received by the agent who operates the trust account into which the deposit monies are paid.
Congratulations, You Now Own The Home Of Your Dreams.
What Happens On Settlement Day?
Settlement takes place at a pre-arranged date.
It varies from State to State and could be 30, 42, 60, 90 or 120 days after the sale or auction and your initial deposit payment is due and the exchange of contracts will be formalised.
This is typical of what happens.
· The lender authorises payment of the loan money and payment is made to the vendor.
· You or your solicitor authorise the vendor to collect the deposit money from the estate agent where it has been held in trust
· You pay adjustments or receive reimbursements such as taxes, council and water rates that were prepaid by the vendor.
· You receive a signed transfer of title deed and your solicitor or bank will arrange for the Registrar General to register the transfer and the home loan. The tittle deeds and mortgage will be held by the lender until the term of the home loan is completed.
· You pay the stamp duty on the home loan.
· You have the keys and the house is yours.
Ready For The Move
Planning and preparing down to the last few details will make your move easier.
Here’s a good idea! Make up a “Moving Notice” and photocopy enough for your requirements. It will save time writing letters. Here’s a sample:
WE ARE MOVING!
John & Mary Brown
are leaving 1 Smith Street, Smithtown
and will be at
10 Brown Street
Brownsville STATE 0000
From 1st November
New Telephone (00) 0000 0000
Kids & Moving
Moving to a new home can be one of the biggest changes that a family can face especially for young children so it is important to take them into consideration. With proper and sensitive planning these changes can be put into positive framework.
The following are a few points to take into consideration.
· Prepare your children for the move by giving them lots of information about the reasons for moving and letting them know what they can expect in their new home.
· Invite children to talk about their feelings with you.
· Listen to what they have to say and assure them that you understand.
· Avoid being over optimistic and insisting everything will be wonderful. Even if the new home is fantastic it may still take time for them to adjust.
· Try not to take it personally if your child is having trouble adjusting to the move and blames you for causing it. Try to explain that sometimes big decisions need to be make and some cannot be avoided. Provide emotional support and understanding.
· Share the feeling that you may have had during your childhood.
· Don’t forget to share your feelings with someone, adults sometimes need support as well.
· Focus on the positive aspects of your new home, neighbourhood and community.
· Minimise changes to the child’s routine and avoid any other new experiences such as toilet training, new foods, a new pet etc until such time as they have settled in.
· Prepare for the move by using fantasy play with your child to act out the moving process with toys and stories.
· Expect some regressive behaviour such as thumb sucking, sleep disturbances or bed wetting before and after the move.
· Involve you young child in the move by encouraging them to pack at least one box of their own things.
· Personalise your child’s boxes by providing labels, stickers, rubber stamps or coloured pens to mark the boxes. Perhaps your child can create their own labels.
· Create a story book of the move by taking photographs at various stages of the move.
· Keep in mind that young children live in the present. Don’t be surprised if moving in the weeks ahead has little meaning to them.
· Help your children say goodbye to friends by encouraging them to have a party or an informal get together. Make a scrap book as a keep sake.
· Give them specific jobs to help with the move and let them know that their assistance is essential.
· Gather information from contacts regarding information about the new community. O'Brien Bartlett First National Real Estate consultant can assist.
· Make contact with clubs or sports organisations that your family would be interested in. Highlight any excellent facilities that they may not have had in their old neighbourhood.
· Contact the new schools for information on their activities and programs.
· Some people tend to have the children looked after while they are packing and organising but this is not necessarily a good idea. It may help involving them completely in the activities of the move.
· Above all, try to keep life as normal as possible, concentrate on the positive but ensure you understand their feelings.
Remember, your First National Real Estate Mudgee consultant is part of the community you’re moving into and can assist in providing information and contacts for settling into your new area.