1
First steps
- Calculate how much you can afford to pay for a mortgage at ASIC's MoneySmart
- Talk to lending bodies (ie. banks, building societies, credit unions, cooperative housing societies, mortgage originators/managers and insurance companies) about how much you can borrow and when
- Information about budgeting, at ASIC's MoneySmart
- Calculate what you can afford to spend and other costs at ASIC's MoneySmart
- Calculate the the costs (lender fees, duty, legal costs) at Revenue NSW
- Overview of the sale process at NSW Fair Trading
- Complete guide to purchasing property [PDF] at the NSW Department of Family and Community Services
2
Choosing what to buy
- Different types of property at NSW Fair Trading
- Buying an ex-Defence property at Defence Housing
- Investment properties at ASIC's MoneySmart
3
Ways to buy and contracts of sale
Different ways to buy
- Auctions, strata plans, buying off the plan and other ways to buy, see NSW Fair Trading
- Making an offer at NSW Fair Trading
The contract of sale
- The contract of sale at NSW Fair Trading
- Conveyancing at NSW Fair Trading
Checking estate and strata agent credentials
- Check a real estate licence at ServiceNSW
- Check a strata agent or property manager licence at ServiceNSW
- The responsibilities of real estate agents at the Australian Competition and Consumer Commission
4
Loans and financing
Home loans (mortgages)
- Calculate mortgage repayments at ASIC's MoneySmart
- Fixed vs variable loans at ASIC's MoneySmart
- Choosing a home loan at ASIC's MoneySmart
Support and loan schemes
- First home buyers assistance scheme at Revenue NSW
- Apply for the first home buyers assistance scheme at ServiceNSW
- First Home Owner's Grant (New Homes) at Revenue NSW
- Indigenous Housing Loans at Indigenous Business Australia
- Saving for a house with superannuation at the Australian Tax Office
Taxes and duties
- Common taxes and duties at Revenue NSW
- Calculate the the costs (lender fees, duty, legal costs) at Revenue NSW
5
Exchange contracts and settlement
Exchanging contracts
- The process of exchanging contracts at NSW Fair Trading
Home insurance
- Home insurance at ASIC's MoneySmart