As part of this process we are able to offer a FREE referral to a conveyancing solicitor to review the contract and assist buyers with any clauses or special conditions to suit their situation. The same solicitor can also provide a FREE section 17 if you wish to submit an unconditional offer. The solicitor can access the full marketing contract contained in this webbook negating the need to actually meet in person saving everyone a lot of time. If you would like this free service and don’t have a solicitor already please contact Megan, her details are below. Please note email is the best and fastest way to request this so please only phone as a last resort and make sure to cc us in so we can chase it up for you is case they do not respond, our email is salesourteam@independent.com.au

• Living area: 214 m²
• Alfresco: 12m2
• Porch: 6m2
• Garage: 39 m²
• Land size: 498m2
• Age: less than 1 year (building completed October 2021)
• General rates: $1,637 p.a.
• Water & sewerage rates: $672 p.a.
• Land tax (investors only): $1,997 p.a.
• Conservative rental estimate (unfurnished): $980/wk
• EER (Energy Efficiency Rating): 6 stars

Features Overview:

• North facing aspect over reserve offering tranquil views from the entire house
• Fully single level floorplan and completely free-standing, separate title home
• High ceilings & double-glazed windows and custom doors throughout with ultra-high 4.2m ceilings in the main living area
• 13KW, 3 phase solar system, 3 phase 32 AMP power to charge an EV (no more electricity bills)
• Located in the quieter part of the Taylor on a flat block, minutes stroll to sport grounds, playgrounds, ponds and Margaret Hendry School, future BAPS temple which is opposite Devenish St park.
• Flexible settlement options available if you have another property you want, or need, to sell

Inside:

• Extra-large (2.34m) feature front door with keyless entry
• Feature lighting throughout - Tri colour LED lights with Clipsal iconic series switches
• Hybrid, engineered floating timber-look flooring throughout
• NBN connected with FTTP
• Daikin, 20 KW ducted air conditioning system - 5 zones
• High quality window treatments throughout with privacy curtains, roller blinds and block out curtains in all bedrooms
• Home automation with Control4 done by Hills Automation Sydney
• Tablet and smart phone control of the house including TV, CCTV, front door lock, video intercom for guests and most commonly used lights such as lounge room, garage, alfresco, family/dining room, kitchen, main bedroom
• Large, segregated formal lounge at front of the home with floor to ceiling windows on 2 sides, 3 types of lighting options
• Expansive open-plan family and dining space in middle of home with 4.2m high raked ceilings, Lopi 6015 gas fireplace (remote operated), bar with custom ‘leather finish’ stone top, built in shelving, storage and drinks fridge
• Spectacular open-plan kitchen with 40mm ‘leather finish’ stone benchtop on island bench, Bosch 900mm 6 burner gas cooktop, Bosch series 8 fully integrated dishwasher, Bosch 900mm series 4 oven, Falmec 900mm undermount rangehood, built in microwave, sink mixer tapware (pull out), mirrored splashback, double bowl sink, ample storage cupboards and soft close draws
• Butlers pantry behind sliding cavity door with additional bench and storage plus Zip filter tap in pantry, Clark Cellini 458mm single round bowl sink with Phoenix vivid sink mixer
• Main bedroom features North aspect over reserve, directional lighting, walk in robe and an ensuite with floating vanity offering dual sinks and stone tops, mirrored storage above, toilet, 10mm frameless shower screen with rain-style showerhead and high quality, floor to ceiling Italian tiles, no walls are shared with other bedrooms
• 2^nd bedroom has built in desk and/or makeup preparation area, walk-through wardrobe into the second ensuite with floating vanity offering dual sinks and stone tops, mirrored storage above, large shower with 10mm frameless shower screen, toilet and herring bone design full-height tiling, no walls are shared with other bedrooms
• Main bathroom located at the rear of the home features full-sized bath, corner shower with 10mm frameless screens, with floating vanity offering dual sinks and stone tops, mirrored storage above, separate toilet room next door
  Laundry with built-in sink, 40mm stone bench and ample storage over, under-bench space for washing machine and dryer, full wall linen cupboard, external access to clothesline
• Bedrooms 3 and 4 at the rear of the home both have sliding door, mirrored, built in robes with shelving and hanging space
• All 3 bathrooms have a Solace 4-in-1 by Brilliant. Ceiling mounted unit offering light, fan, exhaust and heat element with 2 heat settings.
• In main living area the tall accent windows have remote operated roller blinds

Outside:

• Low maintenance grounds comprising artificial turf (no lawns to mow, weed, water, fertilise) and garden beds with dripper irrigation installed
  Stratco EZI slat aluminium fencing with brick pier enclosing the courtyard
  Tiled alfresco entertaining space opening off the living areas with lighting, power points, gas bayonet and ceiling fan
• Open, paved entertaining area
• Tiled porch at front of home with feature lighting
• Double garage has remote entry, internal access, lockable rear door and epoxy flooring plus sliding door storage at rear
• E-vehicle capable outlet - currently utilised for Tesla charging
• Gas hot water system - Rinnai 26L instantaneous and continuous flow
• Space to park another 4 vehicles off the road in the driveway
• Integrated security alarm system controlled via an app, CCTV 6 MP camera, Eufy smart flood lights sensor controlled

If you have any questions, you are welcome to contact ACT Property Inspections, the company who conducted the report, on (02) 6232 4540 or email them at admin@actpropertyinspections.com.au. They are always happy to discuss or clarify anything for you.

There are very few resources for buyers on how to submit an offer, so we have written this to help you so take a few minutes to read on.

TIMING
• Offers can have a close date or be taken to the owners on a day by day basis so make sure you submit your offer prior to this time and ask the agent when offers are expected
• If there is an offers closing date the property cannot be sold prior so you might have a bit more time than if offers are taken to the sellers when they come in.
• We guarantee as a courtesy to buyers that all offers are confidential and one buyers price is not discussed with any other buyers.

PRICE – HOW MUCH TO OFFER
Price is the part of this process that attracts the most questions, with buyers often wanting to know how much it will take to secure the property but there is often no exact answer. The reality is that the final sale price is actually set by the buyers and the sellers do not always give agents an authorised sell price at the start of the campaign. The ‘+’ price method for our sales campaigns is a guide where only offers in excess of that figure will be considered. Please note if you are thinking to offer less than this figure then we would suggest it’s not worthwhile and we will try and help you find something cheaper. Properties can sell a little or substantially above the guide price and there is no exact % above which needs to be paid. When considering a price to offer, there may not be a second chance to increase it, so here are a few things to consider:

1. A personal budget, what is the comfortable limit you can spend. Ask your lender the absolute maximum you can spend. It’s usually not an exact number such as $600,000, its more likely $612,000.
2. Correlate your budget with the value seen in the home, remembering everyone sees value differently. To some it's the location, or maybe block size, some just like the feel of a home and others have a time frame they must purchase by.
3. Consider what absolute, final price it would be ok to walk away at and purchase elsewhere. Buyers all too often think in round numbers. A great tip if you feel you would be happy to pay $600,000, for example, is to offer $607,350 instead. Ask yourself if you miss out on this property, what will you buy next and will you be ok looking for an alternative property.

TYPES OF OFFERS AND HOW TO PRESENT YOUR OFFER
CONDITIONAL OFFERS
These are offers that are normally subject to financial approval and valuations from the bank. However, the offer may also include a variety of conditions such as getting a 90-day settlement or early access. You should make any conditions obvious to the sellers as some are minor and others might be given leniency if your offer figure is attractive enough.

There are several different ways to submit a conditional offer and they are all acceptable, depending on what suits you best. Its not a legally binding document so we do not need an original.
1. Complete the ‘Conditional offer (Editable)’ form which is located in the relevant document section and email it back to us.
2. Complete the form and then just take a photo of it and then email or SMS it to us.
3. Email through your offer, (offers don’t have to be on the offer form) just send us a few lines about your price, terms, financial position as outlined in the offer form.
4. Call through your offer and we can write it down for you, we do not need your signature.

UNCONDITIONAL OFFERS
Very important – an unconditional offer means there is no recourse to change your mind, meaning buyers must understand if the seller accepts their offer then they are legally bound to a binding contract to purchase. It’s this commitment that sellers love and let’s face it, you want them to love you and your offer. To put forward an unconditional offer you simply must be confident that you can afford the amount you are offering and that you’ve done your due diligence on the property as there is no cooling off period if your offer is accepted. For the seller, an unconditional offer means the offer is solid and they can move on with their life with certainty and focus on the settlement date. It also means they won’t need to wait the additional 2-3 weeks that it can take for a conditional offer to be formalised by the banks, so the seller can either move quicker or lock in their plans now. For the buyer, a successful unconditional offer is a protection for the buyer that they cannot be gazumped should their offer be accepted since it’s legally binding.

To present an unconditional offer you just need to send us the following information in an email or on the offer form in the documents section of this digital brochure:

• Full name of all purchasers (The full legal names including any middle names)
  • Your current residential address
  • Your solicitor if you have one, if you’re not sure who to use we suggest putting in the solicitor we have recommend in the digital brochure as they have already reviewed the contract saving you valuable time.
  • Price you wish to present (if you’re not sure how much to offer, re-read the “how much to offer” section above)

• Settlement requirements (45, 60, 75 days etc).

You will also require a Section 17 document from your solicitor, this is a templated 1 page statement the solicitor has to fill in and sign then email to us as the agent to attach to the contract (the original is not required) to confirm they have given you legal advice that an unconditional offer means any cooling off period is waived.

To present an unconditional offer please follow this free process:

1. Contract review and waiver of the cooling off, AKA section 17

1. To ensure you are comfortable with the contract and there are no ‘subject to items’ please request a contract review with your solicitor.

• Please note most solicitors will charge a buyer $250 - $500 for this however the solicitor we have referred above in the ‘Recommended Solicitor’ section will offer this to you for FREE for this property. You only pay for their services if you purchase the property.
• The section 17 can only be obtained from this same solicitor and acts as a protection for you that you have been notified of the implications of buying a property without a cooling off period.
• You do not need to meet the solicitor, they will simply email it to you and you can then forward it to us.

2. Email us your offer figure along with your preferred settlement timeframe and the section 17 document.

• Please note pre auction offers need to be strong figures ‘over’ the current price guide in order to stop an auction campaign.
• All offers are confidential so you can have confidence in knowing your offer will not be divulged to any other buyers.
• We aim to come back to you asap and will usually have an answer from the sellers with 24 hours, 48 hours at the most.

3. Best and final offers will be called.

• If you offer is not at an acceptable level then you can simply try a higher figure.
• Once your offer price and terms are acceptable to the seller we will notify you, then we will call for best and final offers.
• As a courtesy to other buyers we will send out a text asking for best and final offers, normally with a short period of around 24 hours.
• Your offer figure will remain 100% confidential.
• Please note this same courtesy will be offered to you should someone else submit an acceptable pre auction offer.
• Should your offer be trumped by another buyer most sellers will as a courtesy give you the option to increase your offer.

4. Signing the contract.

• We use digital signatures so we will email you the contract which can then easily and quickly be signed on your computer or smart phone.
• To keep things simple and so the sale can be process quickly you won’t be required to print or scan anything.
• Once both the buyer and the seller have signed the contract we will exchange the contracts making the purchase legally binding and secured for you.

5. Paying the deposit.

• The deposit is then immediately due and we will send your our trust account details so you can EFT the 5% deposit.
• Please note if your bank limits the amount you can transfer which is very common, you can simply request an increased transfer limit or make the payment over 2 or 3 transfers.
• The seller will accept a minimum deposit of 5% deposit via EFT.
• Alternatively if you are using a deposit bond it must be for 10% and we need the original copy of the bond.

6. Sold to you! Congratulations!

• Well done, you have now purchased the property.
• We will then arrange to meet you back at the property to put up a sold sticker, give you some champagne and of course take some happy snaps.

If you have any further questions about the offer process, please contact us, we’ll be happy to help.

When it comes to finance, I can highly recommend Arman from Clarity Home Loans. He has been working as a senior broker for many years now, so he has a wealth of experience and knows the various loan products inside and out. They are paid by the banks, not the buyer, so there is no additional cost to you. Unlike mortgage brokers at many other firms, thebrokers at Clarity are paid a base salary and can earn bonuses that are identical regardless of which lender is chosen, so there is no bias when making lender recommendations which ensures they will always act in the best interest of their clients.

As a long-established company with many high-volume loan writers, the brokers at Clarity are highly respected within the industry and have direct access to high level relationships within the lending institutions. Arman and his team can negotiate on your behalf discounts off the typical interest rates offered and deliver faster approvals than many other brokers due to these strong associations.

Even if you have a pre-approval in place with a lender or via a broker, I absolutely encourage you to spend half an hour with Arman for a second opinion to make sure you are not only getting the best deal available, but to also ensure you partner with a team that is going to make the next stage of your buying experience as stress free as possible.

Why use Arman and his team?

• Brokers offer choice, competition and service. For this reason, 55% of loans in Australia are done through mortgage brokers
• The best interest rates in the market are definitely not with the major banks, they are generally the most expensive, with the most competitive rates being accessed through a broker’s lender panel
• Brokers offer a broad range of innovative lending products
• They are best placed to provide a second opinion on the most important financial decision most people will ever make which could save you thousands of dollars – on what is arguably the most important financial decision you will make in your life
• They have a specialised team allowing faster and more efficient service than a single broker
• They complete and submit all the paperwork to the bank and chase the loans progress with them
• Their job is to help buyers obtain the best interest rate available
• They will help with the first home owner grant, the stamp duty concession or the over 60s concession if applicable
• They ensure buyers have the most appropriate loan structure as this can save thousands of dollars down the track when buying or selling next. Sometimes, the difference between buying first or selling first for some people can be big $
• They do more than just offer a rate (like many bank lenders or other brokers) they provide advice, expertise, and guidance throughout the entire purchase journey
• They deal with the bank after settlement and provide ongoing assistance throughout the life of the loan, which is helpful particularly if your circumstances change and you need adjustments to your loan or are considering switching to a more competitive rate
• All Clarity brokers are paid a base salary and don’t earn commissions. The bonus they receive is the same regardless of the lender or loan product they recommend ensuring impartiality and that their primary focus is your best interest.

Please note they offer us a small token referral fee, but this is not why we recommend their services. We only recommend them because they are professionals, offer a great service and many of my clients have been extremely happy with their skills, services and communication. Arman operates a great team and as mentioned above, they would be happy to provide an obligation free second opinion to buyers who have already arranged finance to ensure the loan product, interest rate and lender chosen is the most appropriate for the circumstances. You can contact him directly at any time, he will be more than happy help.

Phone: 02 6209 1771
Mobile: 0421 802 003
email: arman.yazarloo@clarityfinancial.net.au