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Writer's pictureShaun Chaudhry
Apr 12, 20242 min read

"The Importance of Property Valuation: Understanding the Value of Your Real Estate Investment."


What is a Property Valuation and Why is it Important?


  • Understanding Property Valuation: Learn what property valuation entails and its significance in real estate transactions.

  • Factors Influencing Valuation: Discover the key factors that impact property valuation and how they affect the market value.

  • Importance in Decision Making: Understand why property valuation is crucial for buyers, sellers, and lenders in making informed decisions.

Property valuation plays a crucial role in the real estate industry, influencing decisions made by buyers, sellers, and lenders alike. But what exactly is property valuation, and why is it so important?


A property valuation is an assessment of a property's market value, conducted by a qualified valuer or appraiser. It involves analyzing various factors such as location, size, condition, and comparable sales to determine the property's worth in the current market.


Understanding property valuation is essential for several reasons. For buyers, it ensures that they are paying a fair price for a property and helps them make informed decisions about their investment. For sellers, it provides an accurate estimate of their property's worth, allowing them to set an appropriate listing price and maximize their returns. Additionally, lenders rely on property valuations to assess the risk associated with a mortgage and determine the loan-to-value ratio.


Several factors can influence property valuation, including market conditions, location, property size, condition, and recent sales data. By considering these factors, valuers can provide an objective and accurate assessment of a property's value.


In conclusion, property valuation is a critical aspect of the real estate process, providing valuable insights for buyers, sellers, and lenders. Whether you're buying, selling, or financing a property, understanding its market value is essential for making informed decisions.


Contact Shaun and our team at Proactive Lending Solutions to learn more about property valuation and how it impacts your real estate transactions.

📞 0424 513 740


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Writer's pictureShaun Chaudhry
Apr 12, 20242 min read

"Why Should You Choose a Broker Over Your Bank for Financial Services?"

Why You Should Go to a Broker, Instead of Your Bank!

  • Expertise: Brokers are specialists in the mortgage industry and can offer expert advice tailored to your needs.

  • Access to Multiple Lenders: Brokers have access to a wide range of lenders, giving you more options to choose from.

  • Personalized Service: Brokers provide personalized guidance and support throughout the entire loan process.

  • Lifetime Support: Your relationship with a broker doesn't end once your loan is approved. They continue to provide support for the life of your loan.

When it comes to securing a home loan, many people automatically turn to their bank. However, there are several compelling reasons why working with a mortgage broker could be a smarter choice.


Firstly, brokers are experts in their field. They have a deep understanding of the mortgage market and can provide valuable insights and advice tailored to your individual circumstances. Whether you're a first-time buyer or a seasoned investor, a broker can offer guidance to help you navigate the complexities of the loan process.


Additionally, brokers have access to a wide range of lenders, including major banks, credit unions, and non-bank lenders. This means they can shop around on your behalf to find the best possible loan options available. With more choices at your disposal, you're more likely to find a loan that meets your needs and offers competitive terms.


One of the key benefits of working with a broker is the personalized service they provide. Unlike banks, which often treat customers as just another number, brokers take the time to understand your financial goals and aspirations. They act as your advocate, working tirelessly to secure the best possible outcome for you.

Finally, your relationship with a broker doesn't end once your loan is approved. Brokers provide ongoing support for the life of your loan, helping you navigate any changes or challenges that may arise along the way.


In conclusion, when it comes to securing a home loan, working with a mortgage broker offers numerous advantages over going directly to your bank. From expert advice and access to multiple lenders to personalized service and ongoing support, brokers are there to help you every step of the way.


Contact Shaun and our team at Proactive Lending Solutions to learn more about how we can assist you with your home loan needs.

📞 0424 513 740


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Writer's pictureShaun Chaudhry
Apr 12, 20242 min read

"Things You Need to Know About Buying Off The Plan"

🏢 Thinking about buying off the plan? Here's what you need to know:


  • Your building company dictates construction and features, limiting your input on the property's appearance.

  • The contract price is for the final product, rather than paying in instalments.

  • Stamp duty is calculated on the full contract price at settlement.

  • You might be eligible for significant government grants, which we can explore for you.


Buying property off the plan can be an exciting venture, offering the promise of a brand-new home tailored to your preferences. However, it's essential to understand the complexities involved in this type of purchase to make informed decisions. Here are some key points to consider:


Limited Input on Construction and Features:

When purchasing off the plan, the building company typically has the authority to dictate the construction and features of the property. While you may have some input during the initial stages, ultimately, the final design and specifications are determined by the developer. It's essential to carefully review the plans and specifications provided to ensure they align with your expectations.


Contract Price for the Final Product:

Unlike traditional property purchases where you pay for construction in instalments, the contract price for off-the-plan properties is usually for the final product. This means that you're committing to a fixed price for the property, regardless of any changes or delays that may occur during construction. It's crucial to understand the payment terms outlined in the contract and ensure you're comfortable with the financial commitment involved.


Stamp Duty Considerations:

When you settle on the purchase of an off-the-plan property, you'll be required to pay stamp duty on the full contract price. This can result in higher upfront costs compared to buying an established property, where stamp duty is typically calculated based on the purchase price. It's important to factor this into your budget when considering off-the-plan purchases.


Government Grants and Incentives:

Despite the potential challenges, there are also opportunities for significant savings when purchasing off the plan. Many governments offer grants and incentives to encourage property development and homeownership. These can include grants for first-home buyers, stamp duty concessions, and other financial assistance programs. It's worth exploring these options to see if you may be eligible for any additional benefits.


Navigating the process of buying off the plan can be complex, but with the right guidance and expertise, it can also be a rewarding investment opportunity. As experienced mortgage brokers, we can help you understand the intricacies of off-the-plan purchases and guide you through the process from start to finish. Whether you're a first-time buyer or an experienced investor, we're here to provide tailored advice and support to ensure you make informed decisions.

If you're considering buying off the plan, don't hesitate to reach out to us. We'd love to discuss your options, answer any questions you may have, and help you navigate the exciting journey of purchasing a new property.


For personalized advice on how mortgage offset accounts can tailor to your financial needs, contact Shaun at Proactive Lending Solutions:


📱 0424 513 740


👍🏼 Follow us on social media for more tips and insights:

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