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DO YOU WANT TO MAKE AN INFORMED PURCHASING DECISION?

Can I buy a property without the help and assistance from a buyer’s agent? That’s one of the decisions you’ll have to make when you begin the property-buying process. A buyer’s agent can certainly help you find that perfect property and negotiate with the selling agent or owner for the best price and conditions. But, it’s important to note that many people have bought their homes or investment properties without the help of buying agent especially due to the plethora of on-line real estate tools and on-line websites making this buying process even more convenient…

But has this ‘plethora of on-line convenience been a good thing or has it actually made the buying process much more difficult and confusing to the buyer?     

In my opinion, it’s quite evident it has made things much worse and even more confusing for the buyer. The reason this has occurred this way is because the real estate buying consumer has even greater buying choice in the history of the planet!  Having more choice often leads to greater confusion! In many ways it has led to today’s real estate buying consumers becoming increasingly frustrated, confused and feeling isolated in purchase indecision.  The initial excitement that’s often displayed when a real estate buyer first sets out in his/her quest to find that perfect property which of course is quickly evaporated once they find themselves totally overwhelmed with confusion.  They are either fearful that they may end up overpaying for a property or they feel they may forever be locked out of the homeownership. Eventually, what happens is after months and months of feeling totally overwhelmed and confused leads them to frustration and desperation where they just simply purchase a property for the sake of it because they are so frustrated!  Do you happen to know a family member or a friend, work colleague or even yourself that’s been in that situation?  I’m sure you can appreciate that not a good situation for anyone to find themselves in…

Well, there is of course another way! A much less stressful and less time-consuming way to find your perfect property by YOU employing the services of a buyer’s agent or advocate! 

Why You Might Want The Help Of A Buyer’s Agent?

Using a buyer’s agent could save you significant amounts of time and money. Buyer’s agents’ services include:

Finding listings & inspecting properties with you. Buying agents generally will have greater access to off-market properties that often no one even knows about until after the transaction has taken place.  They can also help you avoid paying too much for a property or certainly can deliver a buyer with huge savings as indeed I have when I have acted on behalf of buying clients.

Undertaking thorough due diligence on your behalf. The buyer’s agent or advocate would undertake thorough due diligence on your behalf.  They would do all of the research, comparable sales analysis, examine the real estate market conditions within the locality you are intending to purchase.  They would then provide you with a suggested buying range in terms of where they believe the price may fall within based on comparable sales and real estate market conditions within the locality of the property that’s being evaluated.  This of course eliminates or reduces your overall risk as well as saves you significant amounts of time.

Negotiating the price, sale conditions & settlement terms. Your agent can serve as a liaison between you and pushy selling agents.

 Final Word

Regardless of whether you decide to work with a buyer’s agent or doing it yourself, the key in achieving a successful outcome is that thorough detailed due diligence must be taken in order for YOU to be able to make ian informed purchasing decision!

If you need any help whatsoever make sure that YOU call ZAC NEWBOLD on 0418 144 644 so he can negotiate the best price and conditions on your purchase!

Ready to buy…but who will help me?

Ready to house hunt? It’s a jungle out there: Prepare for a flurry of paperwork, stampedes of buyers competing for the same digs, and other challenges before you get your hands on those house keys. We won’t lie: The process can be complex and stressful – which is why having a property professional that’s totally on your side can make all the difference!

You might have heard of buyer’s agents and seller’s agents. You’re a buyer, so what is a buyer’s agent? True to their name, buyer’s agents represent and assist one party only “the buyer” and support them every step of the way and can also save you significant amounts of time and money on the road to property ownership.

Read on to learn about how a buyer’s agent might be able to help you…

 

Benefits of using buyer’s agents

“A buyer’s agent will guide you through the property-buying transaction and be at your disposal for any questions or concerns,” says Zac Newbold, Managing Director of Your Australian Property Solutions. Here are some of the things a buyer’s agent can do for you:

  • Find the right property. After determining what clients are looking for and what they can afford, the buyer’s agent will schedule appointments to inspect properties that suit the client’s requirements. The buyer’s agent can also explain the ins and outs of various properties and neighbourhoods to help buyers decide which property is right for them by explaining the pros and cons of various options in a balanced way.
  • Negotiate the offer. The buyer’s agent will advise clients on an appropriate suggested buying range based on analysing comparable sales and examining the current real estate market conditions within the locality. Then they would negotiate on your behalf and present an offer to the seller’s agent. This is where the agent’s experience in negotiating deals can save you significant amounts of time and money and help you avoid over paying as a buyer’s agent would have undertaken thorough due diligence on the property prior to commencing negotiations.
  • Guide you through the property-buying process. Having somewhere to support, advise and protect your best interests whilst also taking an independent and objective approach is a huge benefit and one of the key reasons why you need a buyer’s agent.

 

Buyer’s Agent vs. Selling Agent: What’s the difference?

Buyer’s agents are legally bound to help buyers, whereas selling agents – the agent representing the vendor or seller who has a fiduciary duty to the seller. “That’s why it’s in your best interest as a buyer to get an agent who is there to represent you,” explains Zac Newbold, a Buyer’s Agent and Property Advisor and the Managing Director of Your Australian Property Solutions based in Melbourne, Australia. “Think about it this way: If you were getting sued, would you hire the same lawyer or solicitor as the person suing you? Of course not. You need someone who will diligently protect and represent your best interests, whilst at the same time assist you at every step of the buying process.”

 

Let’s say, for instance, you walked up to the selling agent at an open for inspection and told the selling agent about how you love the home and want to buy it, but you will need to move soon because you’re expecting your second child and need to decorate the nursery pronto, or the lease on your rental is up in a couple of months. A seller’s agent could then use this information against you by informing the seller or owner that your clock is ticking, so they shouldn’t budge too much on their asking price – or at all.

Yet make this same confession to the buyer’s agent that’s representing you, and it’s all fine – this property professional would know to keep this information private and confidential from sellers (and their selling agents) so it can’t be used against you.

Good luck in your buying journey…

Alternatively, if you want to find out more go to ww.yaps.com.au     and YAPS can certainly assist you with all your buying needs.

 

 

Three (3) steps for successful pre-auction negotiations are…

Three (3) steps for successful pre-auction negotiations are…

You’ve just seen a property which you are extremely interested in and want to buy it because it ticks all the boxes (suits most of your requirements).  However, you do have one very major issue worrying you, that is you’re not so keen or confident in buying this property at auction due to the stress, anxiety and confusion that you know will cause you. So what do you do? How do you know that you won’t end up overpaying at auction due to buyer competition. 

So where do I start? So what do I do and how do I do it? And what’s the first thing I should be doing? Ok, firstly you need to come to a realisation very quickly that when it comes to buying a home or property investment you need to be serious and also be prepared to make big sacrifices by investing your valuable time into it (even if you are being represented by a buyer’s agent advocate) and treat it like an important project that must be completed successfully. 

So really, you only have 2 options when it comes to the buying process. “Do it yourself” or “Employing the services of a buyer’s agent or advocate”. 

Option 1: “Do it yourself”

With this option you must be prepared to undertake a lot of work in terms of researching the different properties and different locations, sales analysis, etc. And, of course negotiating, either private sale, auctions, pre-auction or post-auction. As you can see, “Do it yourself” does have its draw-backs especially if you’re time-constrained due to kids and family pressures as well as work pressures which may include running your own business or you’re just simply too busy in the corporate world…So a good question to ask yourself to determine whether this is the best option for you –  Are you equipped with the right tools to handle the stress and confusion when it comes to buying a home of investment property?

Option 2: “Employing the services of a buyer’s agent or advocate”

The second option may be a more appealing option for you, especially if you are time-constrained (too busy at work or too many family commitments) and either up-sizing to a larger home or down-sizing to a smaller home or simply investing in a property.  The great thing about this option (provided that you select an experienced buyer’s agent who knows what they’re doing) is they’re the one’s undertaking this due diligence for you which involves analysing comparable sales and comparing to the selected property and examining the current real estate market conditions in the area. The purpose of undertaking this very important due diligence is of course to determine an appropriate buying range or market estimate for the buyer for each selected property. It also enables the buyer to make an informed purchasing decision as  you will normally find most decisions are based on price…So a good question to ask yourself to determine whether this is the best option for you – Are you time-constrained and therefore can’t devote the time that is required for research, due diligence and of course negotiating yourself the best price and conditions? 

 In a hot market, vendors or sellers are often keen to sell their property at auction to ensure open transparency. But for buyers, the high-stakes pressure environment of an auction can be quite a daunting, stressful and confusing purchasing strategy for them, especially if they have never bid at an auction!

All buyers though do have an opportunity to negotiate a successful purchase prior or before an auction, however, it is largely dependent whether the vendor or seller is open and comfortable in accepting offers prior to auction. It is also subject to how you (if you decide to do it yourself) can handle these negotiations with the selling agent or seller.  For a vendor or seller to be open and comfortable to selling their property before the auction, it really depends on how many decision-makers or stakeholders are involved. If there are too many stakeholders involved, negotiating a purchase prior to auction may prove to be far too difficult and auction may be the only way to purchase this property. Another factor that may decide whether or not the vendor or seller may be open to selling their property prior to auction is how they handle stressful situations. Auctions can be just as stressful for the vendor or seller as it can be for the buyer. If the vendor has already purchased elsewhere for instance, they may be more willing to consider a pre-auction offer as a deal negotiated before an auction gives certainty to both parties.

Making an offer prior to an auction can be very difficult and in my opinion is the most difficult negotiations you will ever encounter! A buyer’s agent or advocate representing you in this type of scenario should definitely give you added confidence as they will know exactly what to do in these types of negotiations and how to play the negotiation game.  In addition, a buyer’s agent or advocate should also provide you with a distinct advantage over other competing buyers.  If you or your buyer’s agent or advocate plays the right cards, you can certainly come up trumps as the new owner of this property – and without having to deal with the stress and confusion of having to bid at an auction and also being forced in paying a premium if there is substantial interest and competition from other buyers.

To successfully negotiate a property purchase prior to auction involves the following steps:

STEP ONE (1):  Market knowledge & experience is the key to your success!

The listing agent may have provided an estimate of the likely sale price achievable at auction in their statement of information.  However, this is an estimate only and in most cases they often include cheaper properties that in some cases aren’t comparable to deliberately entice potential buyers to purchase this property. Therefore, to work out the potential purchase price you really need to evaluate and analyse the comparable sales data carefully and compare it to the proposed property and from there determine what price you are prepared to pay for it.  Having a property adviser, buyer’s agent or advocate representing you during this due diligence period will not only save you time and money but will eliminate stress and confusion!

How does a buyer’s agent or advocate get access to this valuable sales data information?  They do this by having exclusive paid access to important sales databases which is usually only available to a licensed estate agent or property professional. With this sales data they can analyse and compare the sale price of similar nearby properties that have recently sold – either at auction or by private sale or private treaty.  Effectively, they undertaking pre-purchase due diligence on your behalf and providing you with a market appraisal and making a recommendation on what the property is worth range you based on the comparable sales and the current real estate market in the area.

Importantly, always ask if any other offers have been made – and if so, what sort of money is on the table. Once you have a good idea of what you think the property market value is and the level of overall buyer interest, consider making an opening reasonable offer – ensure you have some extra fuel in the petrol tank.  

The overall key to successfully negotiating a purchase prior to auction is having “market knowledge” and understanding how the auction system works. 

STEP TWO (2):  Never reveal your hand until you need to!

Selling agents are paid to achieve the highest and best possible price for their vendor or seller.  An effective and successful selling agent will always ask the buyers questions relating to price and the chances are that you’ll be asked from the selling agent how much you’re willing to pay for the property.  So make sure that you’re really on your guard and don’t say or give away too much to the selling agent as this will limit your future bargaining power in the negotiations – especially if the agent has received other pre-auction offers. 

Having a buyer’s agent or advocate representing you in any purchase negotiations with a selling agent certainly increases your overall chances of achieving a successful outcome as they are the master real estate negotiators and would know what to do and how to play the game especially when a matter involves a pre-auction negotiation.

STEP THREE (3):  Always play to win & be strategic at what you do!

For a pre-auction offer to have a real chance of being accepted by the vendor or seller it really needs to be unconditional. Therefore, it is so critical to have all of your ducks lined up in a row when making a pre-auction offer and that’s why you really need to analyse the comparable sales and examine the current market to determine a maximum price you will pay for the property. By being prepared puts you in an excellent position to successfully negotiate and secure the purchase on the best terms and conditions possible. Finally, before commencing any negotiations with the selling agent you need to ensure that the contact of sale and vendor’s section 32 has been reviewed by a licensed and qualified conveyancer, solicitor or lawyer.  This of course can be reviewed at the same time that the  comparable sales are being analysed and evaluated.

If it appears that negotiating a purchase before auction is becoming too difficult or taking far too long or your offer or further offers have been rejected outright with no further opportunity to negotiate, always be prepared to walk away (especially if the vendor’s or seller’s asking price is too high or above market price).  Anyway, you can always attend the auction and see what happens, and who knows you may have an opportunity to buy it at auction.  Either way, you enjoy peace of mind knowing you haven’t over paid for the property.  That’s why having a buyer’s agent or advocate representing you will ensure a successful result based on due diligence and negotiations undertaken on your behalf.   And, keep in mind that their job is to always work and act in your best interests only (i.e. comprehensive due diligence) and negotiate the best price and conditions on your selected property because they are being paid by you. 

RECENT SUCCESSFUL PRE-AUCTION NEGOTIATION CASE STUDY:

Recently, I successfully negotiated and secured a property purchase in Aspendale Gardens on behalf of a client. The secret to my success was quite simple – as a buyer’s agent or advocate I had direct access to sales data which gave me a distinct advantage over other competing buyers.  Having access to this comparable sales data I was able to very quickly establish what the “Suggested Buying Range” should be to ensure that my client would not being overpaying.  Also, knowing what price represented good buying value for this property (instead of relying on the selling agent’s opinion) gave my client a distinct advantage over other buyers at the negotiation as we had a game-plan and purchasing strategy ready to be implemented and actioned as soon negotiations commenced with the selling agent – remember information is power!  And, remember too with information it enables you to move very quickly and confidently to successfully conclude negotiations as was the case with my Aspendale Gardens clients.

No one on either side of the negotiation table likes protracted negotiations so the trick here is to always aim to get a successful conclusion or outcome as quickly as possible without having to over pay. Stretching out the negotiations unnecessarily or simply being indecisive (I.e. usually infers that they have not undertaken proper due diligence) allows other competing buyers to come into the fray and potentially gazump you by submitting a higher offer.  Therefore, never give your opponent or the other side on the negotiating table an inch otherwise they will always take a mile!

ONCE YOU HAVE SUCCESSFULLY NEGOTIATED & SECURED PURCHASE PRIOR TO NEGOTIATION YOU NOW FINALLY HAVE CERTAINTY & PEACE OF MIND…

I sincerely hope that you have enjoyed reading this article and that it gives you further insight into what’s involved in a pre-auction negotiation…

SHOULD YOU REQUIRE HELP PLEASE CONTACT ME ANYTIME  ON +61 418 144 644.

www.yaps.com.au

Buying a Property

Knowing what you want in a property before you start can save you a lot of time. If you set yourself a clear criteria, you will find searching for a property much easier as you will be able to eliminate properties immediately that do not suit your needs. Some important questions to ask yourself when setting your criteria include:

What can you afford: calculate the deposit and repayments you can afford. Deposit requirements will vary, but as a rule of thumb, at least ten per cent of the selling price will be required. In general, lenders usually base the amount they will loan you on the rule that monthly repayments do not exceed a quarter of gross (pre-tax) income.

What are your location priorities: identify the areas or communities that suit your lifestyle and the people living with you (shortlist two or three suburbs). Assess your need for transport, schools, sports facilities, easy shopping, etc. It is also important to research which suburbs are becoming more fashionable because of new developments, or have easy access to facilities and work centres.
What type of a house will suit your needs: decide if you are looking for a flat, apartment, townhouse or house. The floor plan is a major consideration, so you need to decide how many bedrooms and bathrooms are required, if you need formal and informal living areas, the size of the kitchen, if you require a high or low maintenance garden, the size of the garage or carport and if you require a study.

Resources to help find a property

There are a number of ways to search for potential properties.

These include:

Real estate agent offices;
Real estate industry magazines;
Home ideas and lifestyle programs; and
Real estate websites on the Internet.

Also consider talking to builders who are putting up houses in the areas you have shortlisted, as they may know of new properties for sale or the value of properties in the area. Consider attending real estate industry seminars and auctions or popping into an ‘Open Inspection’.

Some people use a buyer’s advocate or buyer’s agent, which is a professionally qualified property consultant who acts solely for the buyer by sourcing suitable properties and representing the buyer throughout the buying process.
Preparing to buy

Prospective purchasers need to do some homework. Once you have found a property of a number of properties that fit your property you need to view them and make a decision based on all your criteria about which one best suits your needs. Some things to remember when preparing to buy are:

Inspect the property: inspections should be made at the advertised times or by appointment with the real estate agent. You may need to inspect the property more than once before making your final decision.
Assess the property against your criteria: you need to look at the location and style of the property in relation to your requirements: the size of the property, proximity to schools, access to public transport and so on should all be considered. Once you have found a property that suits you, it is wise to check it out during the week as well as on the weekend, as a peaceful environment one day might be quite different at other times.
Engage the experts: you may consider having a property inspected by a builder or architect to assess whether there are any defects that might affect your decision to buy. This is particularly relevant if large-scale renovation or extensions are planned. Both Archicentre and the Housing Industry Association (HIA), among others, provide an inspection service. For a fee, they inspect and report on the state of the property, including the structural condition, damp and termites.
Organise finance: confirm with your financial institution or bank the amount they are willing to lend you and calculate this with your capacity to repay, without negatively impacting on your lifestyle and other financial commitments. Don’t forget that (variable) home loan interest rates can move up and down, so you need to have a bit of leeway to cope if this happens.

You will also need to take into account a number of other costs associated with buying a property for which the buyer is liable. These may include the following:

Legal/conveyancing fees;
Stamp duty on the transfer of property;
Stamp duty on the mortgage;
Loan application fees;
Insurance; and
Adjustments such as council rates and water fees.

Making an offer

Missing out on a property that you have your heart set on can be a very disappointing experience. Quite often this happens because the offer process is misunderstood. When making an offer to purchase a property, it is important to be aware of the following:

The agent will submit all offers to the vendor.
The property remains on the market while the vendor considers all offers. Just because your offer is the first one submitted, does not necessarily mean that it will be accepted.
Your offer may include a date by which it will lapse if not accepted.
An offer may be made subject to a finance clause, i.e. bank approval, sale of an existing property or another consideration such as a builder’s inspection.
You can make your offer conditional on certain items (such as a dishwasher being included or excluded from the contract. Any special conditions such as these must be written into the contract).
An offer is not legally binding on both parties until the buyer and seller have signed a contract. A contract must contain details of the property, the price, deposit and settlement terms. Once the offer is made in writing, it is then up to the vendor whether or not to accept it or whether to give other parties the opportunity to increase their original offers. The agent is not obliged to give you another opportunity to increase your offer. The vendor is under no obligation until they accept the buyer’s offer by counter-signing the contract.

Once you have decided to purchase a home it means you have agreed to pay the advertised price for the property or you have negotiated a price with the vendor. Your agent will guide you through this process. Before the home is legally yours there are a few steps that take place:

Exchange of contracts: this is a formal legal process that creates a binding contract for the sale of real property on agreed terms. The vendor and purchaser each sign a copy of the sale contract and then exchange these documents, after which time the contract becomes legally binding on the parties. The parties are then bound to proceed to settlement, subject to any cooling off period that may apply. A deposit is usually also paid by the purchaser to the vendor during the exchange process. Any party that unilaterally declines to proceed to settlement may forfeit deposit monies or be subject to a damages claim.
Settlement: this is the final stage of the sale when the purchaser completes the payment of the contract price to the vendor and takes legal possession of the property.

Some handy tips before moving into your new property

Connect the electricity, water, gas and telephone.
Check the locks, burglar and smoke alarms in your new home as soon as possible.
Ensure your house and garden are child-safe. If there is a pool, check that it is properly fenced. Is the yard safe? What about the medicine cabinet? Are there household chemicals that children would have access to?
You may wish to have new locks fitted.
Register to vote in your new electorate.

This article courtesy of the Real Estate Institute of Australia

YAPS: HOW WE CAN HELP YOU…

ATTENTION: HOME BUYERS & PROPERTY INVESTORS!

Do any of the following apply to you?

  • Are you time-constrained and just don’t have enough time to spend finding the right property?
  • Are you frustrated at being out-bid at auctions or missing out in private sale negotiations?
  • Are you feeling anxious or overwhelmed by the logistics of the selling & buying process?
  • Are you stressed about making a costly mistake?

 If any of the above applies to you, are you open to us finding and securing the right property for you?

“Buyers can make the emotional decision of whether they like the house or don’t like the house,” says Zac Newbold. “But they may need someone on their side, as their trusted advisor and authority, to help them navigate the buying process, and more importantly, help them make a prudent business decision as well.”

 Your Australian Property Solutions (YAPS) helps a wide range of clients, including time-constrained people that are either up-sizing to a larger home or down-sizing to a smaller home or investing in a property.  Listening to prospective clients, assessing their individual needs, addressing obstacles, formulating creative and collaborative solutions and negotiating successful outcomes is what we believe we do best, and is why we exist.

Our fee-based buyer advocacy services are the most competitive in the industry, less than half the amount charged by others, and start from a low $1,000.

If you want successful outcomes please contact Zac Newbold on 0418 144 644 to arrange your free no obligation chat and let us help you!

YAPS: For the Buyer

Buyer’s agents must be licensed real estate agents by law. The major difference between a buyer’s agent and a seller’s agent is that a buyer’s agent is always working exclusively on behalf of a buyer only whereas a seller’s agent is working on behalf of a seller but is also working with the buyer in order to close a sale.  In some circumstances this may cause a conflict of interest to occur (especially if the selling agent isn’t ethical).

Zac Newbold from Your Australian Property Solutions (YAPS) says that he always tries to help home buyers or investors just as a business consultant would assist a corporation. “Buyers can make the emotional decision of whether they like the house or don’t like the house,” says Zac Newbold. “But they need someone on their side, as their trusted advisor and authority, to help them navigate the buying process, and more importantly, help them make a prudent business decision as well.”

Mr. Newbold is very familiar with the Melbourne property market and is always available to discuss his knowledge with either his potential client or current clients.  He also can provide clients with the previous sales history of each property as in most cases the past is a good indicator to the future.

“And a seller’s agent doesn’t have an obligation to tell you about the previous sales history as it may mean it may jeopardise the sale of this property as the seller agent’s primary goal is to close the sale.  That’s where advising/ recommending is very different from selling,” says Mr. Newbold.

For best results, best value and best customer service please contact ZAC NEWBOLD on +61 (0) 418 144 644.

YIELD VERSUS CAPITAL GROWTH

Capital growth is fundamental to property investment and is what ultimately increases an investor’s wealth. An investor will increase his or her wealth over time by selecting and purchasing properties that achieve long-term capital growth. Rental yield is basically an end to a means – it helps the investor’s cash flow but does little of itself to increase the investor’s wealth.

Wealth comes from the property increasing in value.  When first purchased, a property might be negatively geared, however, over time as the rent increases, it will eventually become neutrally, and then positively geared.  Only occasionally when buying a residential investment property, will the investor be able to achieve a high rental yield whilst also achieving high capital growth, as there is usually an inverse relationship between capital growth and rental yield. Generally, high capital growth properties have a lower rental return on investment as a result of the property’s value having risen significantly over time.  But, in the end it comes down to what the investor wants to achieve in terms of their property goals.

Your Australian Property Solutions (YAPS) caters for all investor purchasing requirements. Prior to starting, we sit down with you, listen to what you want and customise an appropriate purchasing strategy for you.

For best results, best value and best customer service please contact ZAC NEWBOLD on +61 (0) 418 144 644.

PAYING THE RIGHT PRICE AND WHY IT’S SO IMPORTANT!

There’s nothing worse for a mortgage broker than telling their client that unfortunately the property they have just purchased isn’t worth the price they paid for it, and in fact,  has been valued significantly lower than the purchase price…

The following demonstrates why this can be so devastating for purchasers who unfortunately find themselves in this situation.

A couple purchases an investment property, without professional assistance,  over the weekend thinking that they purchased a really good property for a good price.  First thing on Monday morning they contact their mortgage broker (having already been pre-approved for their loan) to advise  they have just purchased a property.  Obviously, at that point in time the purchaser and the mortgage broker are both excited.

The following week (after the contract becomes unconditional), the mortgage broker  contacts the purchaser with some rather bad and unfortunate news. He informs his clients that the price they paid for the property exceeds the market value of the property.

In this example, the purchasers had paid $500,000, while the bank valuation came back at only $450,000,  a shortfall of $50,000.   As you can see with this example, this becomes a major problem for the purchaser as it means that they have to find $50,000  to make up the shortfall in order to meet the loan obligations.  If they fail to find the additional $50,000 they risk losing a lot of money and possibly their 10% deposit.

Your Australian Property Solutions (YAPS) adds value to the buying process because YAPS is able to ensure that their client always purchases at a price that is either at or below market value, thereby eliminating the problem highlighted in the above example.

YAPS can achieve this by having access to sales industry information and is able to ensure that the lowest price and best value is achieved for their client due to their professionalism and strong negotiation skills.

For best results, best value and best customer service contact ZAC NEWBOLD on +61 (0) 418 144 644.for a no obligation discussion.

Why you need Your Australian Property Solutions (YAPS) to represent YOU in your next property purchase is the right decision!

Why is it that some people are prepared to pay a professional stock broker to set up their share portfolio, but when it comes to purchasing property (their most expensive single asset), they are decide to take on all of the risk and do it themselves?  This really doesn’t make a lot of sense it!

Over the past few years, there has never been a more convenient time to purchase property due mainly to the power of the “internet”.  But, sadly that convenience has in many cases made the whole entire buying process far too complicated, confusing, stressful and time-consuming for people.  That’s why getting YAPS to represent YOU in your next property purchase is the right decision!

At YAPS we eliminate the risk and confusion for you by helping you select the right property and securing it for you at the lowest possible price that represents best value and on the most favourable terms and conditions.

To find out more go to our website at www.yaps.com.au and arrange a free meeting with us, and allow us to help you.

Paid Property Advice versus Free Property Advice

Remember that the best property advice you can possibly receive when buying a property is advice that you pay a fee for service for.  Advice that you freely receive from people (i.e. real estate salespeople, property marketers or non-property advisors) you really need to question what that person’s real motivation is…

Free advice is usually deemed as questionable, and can end up costing you hundreds of thousands of dollars in capital losses, over payment of tax or lost opportunities.

Paid property advice is accountable to the client. Whereas, free property advice comes with little or no responsibility or accountability  from the person giving  advice.

Paid property advice is independent and objective. Free property advice is often biased, subjective and self-serving.

Paid property advice will provide you with all of the facts, positive and negative points about the property. Whereas free property advice will often only looks at the good elements as the person giving free advice could potentially have a conflict of interest….

At YOUR AUSTRALIAN PROPERTY SOLUTIONS, we charge a fee for service for independent property advice we provide to our clients and don’t accept any commissions from third parties that directs you to an inappropriate property purchase. We are extremely proud of the fact that we are truly independent, transparent and are always objective…

So if you are wanting ethical and honest property advice contact YOUR AUSTRALIAN PROPERTY SOLUTIONS now and let us help you…

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