Buyer’s guide

Buy with
clarity.

A practical path from “I’m looking” to “I’m ready to make an offer.”

Separate your deposit from purchase costs, repayments and a sensible contingency.

Know your borrowing position, lender conditions and likely turnaround before you fall in love with a property.

Read the contract, inspect properly, ask about disclosures and use planning/zoning tools where relevant.

Look at comparable sales, current stock and the property’s specific attributes.

Understand price, conditions, settlement timing, inclusions and other terms before signing.

Keep the conveyancer, lender, insurance and settlement steps organised so the last stage is predictable.

Useful next step

Know the numbers
before the emotion.

Use the mortgage calculator and SA stamp-duty tool to get a clearer purchase-cost picture.