{"id":9567,"date":"2024-11-12T23:22:28","date_gmt":"2024-11-12T23:22:28","guid":{"rendered":"https:\/\/www.nerdwallet.com\/au\/?page_id=9567"},"modified":"2024-11-12T23:22:30","modified_gmt":"2024-11-12T23:22:30","slug":"who-helps-in-buying-a-home","status":"publish","type":"page","link":"https:\/\/www.nerdwallet.com\/au\/home-loans\/who-helps-in-buying-a-home","title":{"rendered":"Who Helps in Buying a Home? Types of Property Experts to Know"},"content":{"rendered":"\n<p class=\"\">Australia\u2019s property market can be complex to navigate alone. Having the right person who helps in buying or selling a home can make all the difference. Understanding the roles of various property experts ensures you\u2019ll have support at <a href=\"https:\/\/www.nerdwallet.com\/au\/home-loans\/how-to-buy-a-house-in-australia\">every step of the journey<\/a>.<\/p>\n\n\n\t<div class=\"c-block-table-of-contents nw-table-of-contents wp-block-table-of-contents \">\n\t\t<div class=\"c-block-table-of-contents__table-wrapper c-block-table-of-contents--scrollable\">\n\t\t\t<h2 id=\"jump-to\"  class=\"c-block-table-of-contents__title\">Jump to<\/h2>\n\t\t\t<ul class=\"c-block-table-of-contents__links\">\n\t\t\t\t<li class=\"c-block-table-of-contents__link\"><a href=\"#real-estate-agents\">Real estate agents<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#buyers-agents\">Buyer\u2019s agents\u00a0<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#property-managers\">Property managers\u00a0<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#property-valuers\">Property valuers\u00a0<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#mortgage-brokers-and-lenders\">Mortgage brokers and lenders<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#conveyancers-and-solicitors\">Conveyancers and solicitors<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#other-property-professionals-to-have-on-your-team\">Other property professionals to have on your team<\/a><\/li>\t\t\t<\/ul>\n\t\t\t<div class=\"c-block-table-of-contents__show-more--wrapper\">\n\t\t\t\t<span class=\"c-block-table-of-contents__show-more\">\n\t\t\t\t\t<label class=\"show-more-label\" for=\"c-block-table-of-contents__show-more\">Show more<\/label>\n\t\t\t\t\t<label class=\"hide-more-label\" for=\"c-block-table-of-contents__show-more\">Show less<\/label>\n\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n\n<h2 id=\"real-estate-agents\"  class=\"wp-block-heading\">Real estate agents<\/h2>\n\n\n\n<p class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/au\/home-loans\/what-is-a-real-estate-agent\">Real estate agents<\/a> work as intermediaries between buyers and sellers in the property market. They provide guidance through the process of property transactions.\u00a0<\/p>\n\n\n\n<div class=\"wp-block-group has-background-yellow-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"\"><strong>Cost: <\/strong>Real estate agents usually charge a commission of around 2% &#8211; 2.5% of the property\u2019s sale price. For example, if a house sells for $500,000, the agent\u2019s commission would be approximately $10,000 &#8211; $12,500.<\/p>\n<\/div>\n\n\n\n<p class=\"\">These professionals typically represent property owners (sellers or landlords) by listing residential and commercial properties for sale or rent. They handle marketing, mediating negotiations, and ensuring compliance with legal requirements.<\/p>\n\n\n\n<p class=\"\">Qualifications vary by state, but generally, real estate agents must be registered with the Office of Fair Trading or similar regulatory body. They must also have a certificate from an authorised organisation:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong>State or Territory\u00a0<\/strong><\/td><td><strong>Regulatory Body\u00a0<\/strong><\/td><td><strong>License(s) needed<\/strong><\/td><\/tr><tr><td>NSW<\/td><td>NSW Fair Trading&nbsp;<\/td><td>Certificate IV in Real Estate Practice (CPP41419)<\/td><\/tr><tr><td>VIC<\/td><td>Consumer Affairs Victoria<\/td><td>Certificate IV in Real Estate Practice (CPP41419)<\/td><\/tr><tr><td>QLD<\/td><td>Queensland Office of Fair Trading<\/td><td>Certificate IV in Real Estate Practice (CPP41419)&nbsp;Diploma of Property (CPP51119)<\/td><\/tr><tr><td>SA<\/td><td>Consumer and Business Services (CBS)<\/td><td>Certificate IV in Real Estate Practice (CPP41419)&nbsp;Diploma of Property (CPP51119)<\/td><\/tr><tr><td>WA<\/td><td>Department of Mines, Industry Regulation and Safety (DMIRS)<\/td><td>Diploma of Property Services (Agency Management) (CPP51119)<\/td><\/tr><tr><td>TAS<\/td><td>Property Agents Board Tasmania<\/td><td>Certificate IV in Real Estate Practice (CPP41419)&nbsp;Diploma of Property Services (CPP51119)<\/td><\/tr><tr><td>ACT<\/td><td>Access Canberra<\/td><td>Diploma of Property Services (CPP51119)<\/td><\/tr><tr><td>NT<\/td><td>Northern Territory Consumer Affairs<\/td><td>Certificate IV in Real Estate Practice (CPP41419)&nbsp;Diploma of Property Services (CPP51119)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"\">Many real estate certifications are attainable within a shorter time frame than other qualifications in Australia, so you may want to consider their experience when <a href=\"https:\/\/www.nerdwallet.com\/au\/home-loans\/questions-to-ask-a-real-estate-agent\">choosing a real estate agent<\/a> to work for you.\u00a0<\/p>\n\n\n\n<h2 id=\"buyer%e2%80%99s-agents%c2%a0\"  class=\"wp-block-heading\">Buyer\u2019s agents\u00a0<\/h2>\n\n\n\n<p class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/au\/home-loans\/what-is-a-buyers-agent\">Buyer\u2019s agents<\/a> require the same licences as real estate agents but exclusively represent the interests of the buyer in a property transaction. <\/p>\n\n\n\n<div class=\"wp-block-group has-background-yellow-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"\"><strong>Cost: <\/strong>A buyer\u2019s agent typically charges between 1.5% &#8211; 3.5% of the property\u2019s purchase price. However, some may charge a fixed fee or an upfront retainer instead.<\/p>\n<\/div>\n\n\n\n<p class=\"\">A buyer&#8217;s agent will focus on finding, evaluating, and negotiating the purchase of properties that meet the buyer\u2019s specific needs, including off-market properties. This expertise is particularly useful for buyers with specific needs or those relocating to a new city or state who need local expertise.<\/p>\n\n\n\n<p class=\"\">Property <a href=\"https:\/\/www.nerdwallet.com\/au\/home-loans\/investment-property-costs\">investors<\/a> may also benefit from buyer\u2019s agents who can provide market research and expertise to focus on capital growth or rental yield.&nbsp;<\/p>\n\n\n\n<h2 id=\"property-managers%c2%a0\"  class=\"wp-block-heading\">Property managers\u00a0<\/h2>\n\n\n\n<p class=\"\">A property manager overseas the day-to-day and ongoing responsibilities of managing rental properties, including tenant communication, lease management, and property maintenance.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-group has-background-yellow-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"\"><strong>Cost: <\/strong>Property managers typically charge between 5-12% of the rental income, with fees varying by location.<\/p>\n<\/div>\n\n\n\n<p class=\"\">Other responsibilities of a property manager include:<br><\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\">Advertising the property<\/li>\n\n\n\n<li class=\"\">Holding inspections for prospective tenants to view the property&nbsp;<\/li>\n\n\n\n<li class=\"\">Finding and screening new tenants&nbsp;<\/li>\n\n\n\n<li class=\"\">Creating and signing off on paperwork like lease agreements<\/li>\n\n\n\n<li class=\"\">Handling ongoing paperwork<\/li>\n\n\n\n<li class=\"\">Collecting <a href=\"https:\/\/www.nerdwallet.com\/au\/home-loans\/what-is-a-rental-bond\">the bond and rent<\/a><\/li>\n\n\n\n<li class=\"\">Regular inspecting the property<\/li>\n\n\n\n<li class=\"\">Communicating with tenants&nbsp;<\/li>\n\n\n\n<li class=\"\">Organising repairs and maintenance&nbsp;<\/li>\n\n\n\n<li class=\"\">Dealing with lease breaks, evictions, and tenant turnover.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"\">You may want to consider hiring a property manager if you own an investment property and prefer not to handle tenant relations and property upkeep yourself. However, as the owner, you can also choose to manage the property yourself if you have the time and expertise.&nbsp;<\/p>\n\n\n\n<h2 id=\"property-valuers%c2%a0\"  class=\"wp-block-heading\">Property valuers\u00a0<\/h2>\n\n\n\n<p class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/au\/home-loans\/what-is-a-property-valuation\">Property valuers<\/a> provide up-to-date and precise valuations, which can be useful for sellers, buyers seeking independent assessments, or lenders determining the <a href=\"https:\/\/www.nerdwallet.com\/au\/home-loans\/what-is-lvr\">loan-to-value ratio (LVR) on a home<\/a>.<\/p>\n\n\n\n<div class=\"wp-block-group has-background-yellow-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"\"><strong>Cost: <\/strong>Valuation costs vary based on the type of report. Free online valuations are available, while comprehensive reports from independent valuers may cost a few hundred dollars, or more.<\/p>\n<\/div>\n\n\n\n<p class=\"\">A property valuation is helpful when buying, as it ensures you\u2019re aware of the property\u2019s true market value, potentially aiding in negotiations.<\/p>\n\n\n\n<p class=\"\">For example, you may be looking to buy a property, and one you like the look of is advertised at $400,000. However, the seller&#8217;s listed price may not always reflect the true market value. Paying for an independent valuation can help you in making a fair offer, give you a negotiation tool, or avoid overpaying.&nbsp;<\/p>\n\n\n\n<p class=\"\">Most property valuers require a relevant degree as well as an accreditation with a relevant professional body such as The Australian Property Institute (API).&nbsp;<\/p>\n\n\n\n<h2 id=\"mortgage-brokers-and-lenders\"  class=\"wp-block-heading\">Mortgage brokers and lenders<\/h2>\n\n\n\n<p class=\"\">As a buyer, you\u2019ll probably need a <a href=\"https:\/\/www.nerdwallet.com\/au\/home-loans\/what-is-a-mortgage-home-loan\">home loan<\/a>, which can come directly from a <a href=\"https:\/\/www.nerdwallet.com\/au\/home-loans\/home-loan-lenders\">mortgage lender<\/a> or through the help of a broker.\u00a0<\/p>\n\n\n\n<div class=\"wp-block-group has-background-yellow-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"\"><strong>Cost: <\/strong>Brokers typically earn a commission from the lender, so there\u2019s usually no direct cost to the buyer. This is important to know, as they should provide transparency on existing relationships with certain banks to ensure they aren\u2019t pushing you towards a certain home loan for commission from that lender.\u00a0<\/p>\n<\/div>\n\n\n\n<p class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/au\/home-loans\/what-is-a-mortgage-broker\">Mortgage brokers<\/a> have a comprehensive understanding of <a href=\"https:\/\/www.nerdwallet.com\/au\/home-loans\/home-loan-lenders\">lending criteria<\/a> and help their clients through the process of finding suitable mortgages by focusing on:&nbsp;<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\">mortgages with <a href=\"https:\/\/www.nerdwallet.com\/au\/home-loans\/how-do-home-loan-interest-rates-work\">low interest rates\u00a0<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/au\/home-loans\/home-loan-features\">features<\/a> that benefit you<\/li>\n\n\n\n<li class=\"\">low fees\u00a0<\/li>\n\n\n\n<li class=\"\">advise you on ways to <a href=\"https:\/\/www.nerdwallet.com\/au\/home-loans\/home-loan-eligibility\">improve your borrowing power<\/a><\/li>\n\n\n\n<li class=\"\">help you <a href=\"https:\/\/www.nerdwallet.com\/au\/home-loans\/how-to-get-a-home-loan\">apply for a home loan<\/a>.\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"\">When you <a href=\"https:\/\/www.nerdwallet.com\/au\/home-loans\/how-to-find-a-mortgage-broker\">find a mortgage broker<\/a>, make sure they are qualified and have a Certificate IV in Finance and Mortgage Broking (FNS40821) and be accredited with one of Australia\u2019s industry associations:<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\">Mortgage &amp; Finance Association of Australia (MFAA)<\/li>\n\n\n\n<li class=\"\">Finance Brokers Association of Australia (FBAA)<\/li>\n<\/ul>\n\n\n\n<h2 id=\"conveyancers-and-solicitors\"  class=\"wp-block-heading\">Conveyancers and solicitors<\/h2>\n\n\n\n<p class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/au\/home-loans\/what-is-conveyancing\">Conveyancers<\/a> manage the legal aspects of transferring property ownership, including document preparation and compliance with state laws. Solicitors and property lawyers can also perform conveyancing and provide additional legal services if needed.<\/p>\n\n\n\n<div class=\"wp-block-group has-background-yellow-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"\"><strong>Cost: <\/strong>Conveyancing fees often range from $500 to thousands of dollars, depending on the complexity of the transaction and the property\u2019s value. This cost is typically lower than what\u2019s charged by a solicitor.<\/p>\n<\/div>\n\n\n\n<p class=\"\">Property lawyers are professionals with a Bachelor\u2019s degree in law, often specialising in property. Conveyancers must have a recognised diploma and licence from the relevant body in each state or territory.\u00a0<\/p>\n\n\n\n<h2 id=\"other-property-professionals-to-have-on-your-team\"  class=\"wp-block-heading\">Other property professionals to have on your team<\/h2>\n\n\n\n<p class=\"\">Other professionals you may encounter or benefit from:<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\"><strong>Surveyors: <\/strong>Experts in construction costs, contracts, and zoning compliance.<\/li>\n\n\n\n<li class=\"\"><strong>Accountants:<\/strong> Provide tax advice on property-related earnings, such as capital gains tax, <a href=\"https:\/\/www.nerdwallet.com\/au\/home-loans\/living-in-private-rental\">rental<\/a> income, and deductions.<\/li>\n\n\n\n<li class=\"\"><strong>Builders and contractors: <\/strong>Can serve as building inspectors or be relevant for renovations, construction, or <a href=\"https:\/\/www.nerdwallet.com\/au\/home-loans\/buying-off-the-plan-heres-what-to-know\">buying off-the-plan<\/a>.\u00a0<\/li>\n\n\n\n<li class=\"\"><strong>Architect:<\/strong> Plan, design, and execute property renovations or new construction.<\/li>\n\n\n\n<li class=\"\"><strong>Strata managers: <\/strong>Help with <a href=\"https:\/\/www.nerdwallet.com\/au\/home-loans\/what-is-a-strata-title\">understanding strata laws<\/a> within shared buildings.\u00a0<\/li>\n\n\n\n<li class=\"\"><strong>Pest inspectors: <\/strong>Check properties for <a href=\"https:\/\/www.nerdwallet.com\/au\/home-loans\/building-and-pest-inspection-what-to-expect\">signs of infestations<\/a> like termites or rodents before purchase.<\/li>\n<\/ul>\n\n\n\n<div class=\"nwb-authors nwb-authors__footer wp-block-nerdwallet-blocks-authors-card\">\n\t<div class=\"nwb-authors__wrapper\">\n\t\t<h4 id=\"about-the-author\"  class=\"nwb-authors__title\">\n\t\t\tAbout the Author\t\t<\/h4>\n\n\t\t\t\t\t<div class=\"nwb-authors__content\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/aaron-bell\">\n\t\t\t\t\t\t<img\n\t\t\t\t\t\t\tclass=\"nwb-authors__image\"\n\t\t\t\t\t\t\tsrc=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2023\/11\/Aaron-Bell-150x150.jpg\"\n\t\t\t\t\t\t\twidth=\"120\" height=\"120\"\n\t\t\t\t\t\t\talt=\"Aaron Bell photo\"\n\t\t\t\t\t\t\/>\n\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t<div>\n\t\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/aaron-bell\">\n\t\t\t\t\t\t<strong>Aaron Bell<\/strong>\n\t\t\t\t\t<\/a>\n\n\t\t\t\t\t<div class=\"nwb-authors__bio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Aaron Bell is a journalist originally from Brisbane, Australia. With a passion for promoting financial wellness, Aaron prides himself on breaking down complex topics into clear, concise content. He has&hellip;<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/aaron-bell\" title=\"Read more about Aaron Bell\">\n\t\t\t\t\t\t\t<span>Read more about Aaron Bell and explore their articles<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<\/div>\n<\/div>\n\n\n\n\t<section class=\"c-block-card-grid container\"\n\t\t\t>\n\t\t\t\t\t<h4 id=\"dive-even-deeper\"  class=\"c-block-card-grid__title\">\n\t\t\t\tDIVE EVEN DEEPER\t\t\t<\/h4>\n\t\t\n\t\t<div class=\"c-block-card-grid-scroll column-four\">\n\t\t\t<div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-7636\" class=\"c-block-card post-7636 page type-page status-publish has-post-thumbnail hentry content-classification-home-loans topic-shopping-for-home-loans cluster-buying-a-house-basics\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/au\/home-loans\/choosing-a-lender\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"435\" height=\"290\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2022\/11\/GettyImages-1351490689-435x290.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"How To Choose A Mortgage Lender\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 id=\"how-to-choose-a-mortgage-lender\"  class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/au\/home-loans\/choosing-a-lender\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tHow To Choose A Mortgage Lender\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Compare rates, fees, repayment options and customer reviews across several types of lenders, to be sure your mortgage lender meets your needs.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/alan-hartstein\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2022\/10\/Alan-Hartstein-portrait-40x40.jpeg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Alan Hartstein<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-7636 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-6480\" class=\"c-block-card post-6480 page type-page status-publish has-post-thumbnail hentry content-classification-home-loans topic-shopping-for-home-loans cluster-home-loan-lenders\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/au\/home-loans\/private-home-loan-lenders-explained\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"210\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2024\/03\/private-lenders-e1709330709781-460x210.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"What Are Private Home Loan Lenders?\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 id=\"what-are-private-home-loan-lenders\"  class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/au\/home-loans\/private-home-loan-lenders-explained\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tWhat Are Private Home Loan Lenders?\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Private home loan lenders may be able to help you buy a house if you have a unique financial situation and want to apply for a mortgage.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/aaron-bell\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2023\/11\/Aaron-Bell-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Aaron Bell<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-6480 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-2664\" class=\"c-block-card post-2664 page type-page status-publish has-post-thumbnail hentry content-classification-home-loans topic-home-loan-basics cluster-home-loan-basics\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/au\/home-loans\/how-to-buy-a-house-in-australia\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"244\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2023\/04\/GettyImages-1155844286-e1721686031670-460x244.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"How To Buy A House In Australia: 12 Steps To Purchasing Property\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 id=\"how-to-buy-a-house-in-australia-12-steps-to-purchasing-property\"  class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/au\/home-loans\/how-to-buy-a-house-in-australia\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tHow To Buy A House In Australia: 12 Steps To Purchasing Property\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>The main steps to buying a house or property in Australia include getting your finances in order, seeing how much you can borrow, and choosing the right mortgage lender.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/alan-hartstein\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2022\/10\/Alan-Hartstein-portrait-40x40.jpeg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Alan Hartstein<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-2664 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-7507\" class=\"c-block-card post-7507 page type-page status-publish has-post-thumbnail hentry content-classification-home-loans topic-shopping-for-home-loans cluster-home-loan-lenders\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/au\/home-loans\/questions-to-ask-mortgage-lender\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"230\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2024\/04\/questions-to-ask-mortgage-lender-e1713993477143-460x230.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"10 Questions To Ask Your Mortgage Lender Before Signing\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 id=\"10-questions-to-ask-your-mortgage-lender-before-signing\"  class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/au\/home-loans\/questions-to-ask-mortgage-lender\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\t10 Questions To Ask Your Mortgage Lender Before Signing\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>You finally found your dream first home, but are you ready to sign your mortgage contract? There are critical questions to ask your mortgage lender first to make sure it\u2019s the right time to sign.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/alan-hartstein\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2022\/10\/Alan-Hartstein-portrait-40x40.jpeg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Alan Hartstein<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-7507 -->\n<\/div>\t\t<\/div>\n\t<\/section>\n\n","protected":false},"excerpt":{"rendered":"<p>When buying, selling or renting a home, there are a variety of property professionals you may encounter so it\u2019s important to understand their roles and responsibilities.<\/p>\n","protected":false},"author":4,"featured_media":9568,"parent":171,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/article-sidebar.php","meta":{"_acf_changed":false,"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_is_hidden":false,"apple_news_is_paid":false,"apple_news_is_preview":false,"apple_news_is_sponsored":false,"apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":"[]","apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":"","_nw_pros_cons_block_schema":""},"content-classification":[7],"topic":[278],"cluster":[339],"pp_author":[246],"acf":[],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Who Helps in Buying a Home? 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