HOME BUYING CHECKLIST

Home Buying Checklist – Your Step-by-Step Roadmap to Home Ownership 

Buying your first home is a huge milestone — and it's completely normal to feel a mix of excitement and nerves. Here's a detailed checklist to help you stay focused, confident, and prepared through every stage of your journey 👇

1. Before you start - Lay The Groundwork: 

✅ Check your credit score:
Your credit score can impact your borrowing power. Review it early and take steps to improve it if needed (pay down debts, avoid late payments).

✅ Save for your deposit:
Aim for at least 5% of the property price, plus additional funds for fees like stamp duty, legal costs, and inspections.

✅ Research property markets:
Look into suburbs that align with your lifestyle, budget, and future growth potential.

✅ Understand ongoing costs:
Owning a home isn’t just about the mortgage — factor in council rates, insurance, utilities, and maintenance.

2. Getting Finance Ready - Know What You Can Borrow: 

✅ Get pre-approval from a lender:
This gives you a clear idea of your borrowing capacity and helps you shop with confidence.

✅ Speak to a mortgage broker (like me!):
I’ll help you compare lenders, secure better rates, and choose the right loan for your situation.

✅ Understand loan features:
Offset accounts, redraw facilities, fixed vs variable rates — I’ll break it down so you’re making informed choices.

✅ Have a pre-approval certificate:
Some sellers won’t take offers seriously without this in hand — it shows you’re ready to go.

3. House Hunting - Be Smart, Not Just Emotional: 

✅ Attend open homes & private inspections:
Take your time to explore different properties — and don’t rush the decision.

✅ Get building & pest inspections:
These are crucial for spotting issues that could cost you later.

✅ Compare recent sales in the area:
This helps you avoid overpaying and strengthens your negotiation position.

✅ Consider hiring a buyer’s agent:
If you're time-poor or want a professional negotiator on your side, this can be a smart move.

4. Making an Offer - Turn Plans Into Action: 

✅ Make a strong but realistic offer:
Back it with data and your pre-approval.

✅ Include the right conditions:
Building & pest and finance clauses protect you in case something goes wrong.

✅ Engage a solicitor or conveyancer:
They’ll handle the legal side and make sure contracts are sound.

✅ Prepare for settlement:
Once your offer is accepted, you’ll finalise your loan, sign contracts, and complete a final inspection before the big day!

You don’t need to figure this out on your own. I’m here to guide you through every step of the process — from budgeting and pre-approval to getting the keys in your hand 🗝️

Book Free Appointment with me to start your first home journey with confidence.