BUYERSGUIDE PROSPECTIVEPURCHASERSHANDBOOK
BUYINGA HOUSEISONE OFTHE BIGGEST DECISIONSYOU WILLEVER MAKE it 's n ot ju st a f in an cial con sider at ion bu t also a lif est yle on e. You w an t t o m ak e t h e r igh t decision f or you r f in an ces you r loved on es an d you r self . Bu yin g you r 1st h om e or you r 1st in vest m en t pr oper t y w ill be an exh ilar at in g an d r ew ar din g exper ien ce. At t h e en d of you r pr oper t y bu yin g adven t u r e you w ill h ave t h e k eys t o a h om e t o call you r ow n an d an in vest m en t in you r f u t u r e.
Bu t w h er e do you st ar t ? Th is
gu ide w ill st ar t you of f on t h e r igh t f oot an d pr ovide pr act ical t ips an d advice t o h elp you alon g t h e w ay.
TAKETHE1STSTEPS TOYOURNEWHOME
BEPREPARED Resear ch
Fin an ce Tak e t h e cor r ect st eps t o secu r e you r f in an ce
In spect ion s Get t h e m ost ou t of h ou se in spect ion s
3 Bu yin g Kn ow t h e legal pr ocess Au ct ion or Pr ivat e t r eat y
4 M ovin g Get or gan ised an d m ovin g w ill be a br eeze
5
2
Det er m in e you r NON Negot iables At t en d Open Hom es
1
RESEARCH
On ce t h e decision h as been m ade t o bu y a h om e, t h e m ajor it y of people t u r n t o t h e In t er n et f or t h eir r esear ch . Th er e can be an over w h elm in g am ou n t of in f or m at ion t o w ade t h r ou gh on lin e , bu t t h er e ar e w ays you can n ar r ow dow n t h e sear ch .
Use t ech n ology - QPL Ru r al of f er s New Pr oper t y Aler t St ay ah ead of t h e ot h er bu yer s an d r egist er f or ou r pr oper t y aler t . Be t h e 1st t o k n ow of n ew list in gs, Open Hom es & Pr ice Redu ct ion s.
WHATAREYOUR NON-NEGOTIABLES
TITLEHERE Bef or e you even t u r n t o Google, sit dow n an d w r it e ou t you r pr oper t y deal-br eak er s. In which area would you most like to live? What are the dream features for your home? Is block size or garden important? How many bedrooms do you need? Do you need a garage or other shedding? Is proximity to shops, schools or sporting facilities important? Decide on t h e n on -n egot iables, it w ill t h en be m u ch easier t o n ar r ow dow n you r r esear ch par am et er s, givin g you a good list w it h w h ich t o st ar t you r h u n t .
FINANCE Bu yin g a h ou se is a m ajor in vest m en t , an d it s im por t an t t o m ak e su r e you r f in an ces ar e in or der bef or e st ar t in g t h e pr ocess. Kn ow in g w h at you can bor r ow gives you pow er t o n egot iat e an d m ove sw if t ly if n eeded.
Jade Fr eebu r n M or t gage Ch oice Br ok er Visit in g QPL Ru r al Nar r an der a an d Tem or a of f ice's Fr iday 's Jade h as f ive year s of len din g exper ien ce w it h a n at ion al len der , sever al year s of exper ien ce in r u n n in g h is ow n f ar m in g bu sin ess, an d a Bach elor of Bu sin ess. Jade h as t h e exper ien ce an d k n ow ledge t o assist h is clien t s in ever y st age of t h e f in an ce pr ocess - f r om t h e f ir st in t er view t h r ou gh t o t h e f in al set t lem en t . Jade is det er m in ed t o obt ain t h e best ou t com e f or h is clien t s. Con t act ou r of f ice or Jade dir ect ly t o book an appoin t m en t . jade.f r eebu r n @m or t gagech oice.com .au M ob 0427 771 895
HOWMUCHDOESITCOST TOBUYAPROPERTY Deposit How m u ch ar e you w illin g t o pay u p f r on t t o secu r e you r h om e? Th e sim ple t r u t h is t h at t h e m or e deposit you pay, t h e m or e lik ely you ar e t o get a loan . Th e Au st r alia Secu r it ies com m ission r ecom m en ds h avin g a deposit of 20% of t h e pu r ch ase pr ice h ow ever som e len der s w ill allow as lit t le as 5% f or a deposit . Of cou r se it depen ds on t h e len der an d t h eir r u les as w ell as you r f in an cial sit u at ion . A br ok er is in t h e best posit ion t o advise you r egar din g all t h ese vables.
Ot h er Cost s Bu ildin g in spect ion s ar e n ot com pu lsor y, bu t it is a good idea t o get bot h a bu ildin g an d pest in spect ion t o u n cover an y lik elih ood of h idden cost s you m ay h ave t o pay on ce you h ave bou gh t t h e pr oper t y. Th ese cost appr ox $300 each depen din g on t h e pr oper t y size an d locat ion . Loan est ablish m en t f ees , legal f ees an d st am p du t y all n eed t o be con sider ed you r agen t an d m or t gage br ok er can advise on t h ese.
Fir st Hom e Bu yer New Feder al gover n m en t gr an t s give st am p du t y r elief t o 1st h om e bu yer s.
YOURHOMELOAN Bu yin g a n ew h om e? It 's an excit in g decision , bu t can be over w h elm in g if you ar e n ot pr epar ed. Nearly half of all Australians who take out property finance use a broker to do the hard work for them, so you 'll be in the best position to secure your new home.
How it w or k s? A mortgage broker takes an impartial view of hundreds of loans - from big name financial institutions you know and trust, to small banks and credit unions - and works with you to match the right loan to your goals and financial position.
A good br ok er w ill: Assess your needs and financial position and recommend competitive loan options. Take the time to explain the full process, from application to settlement. Do most of the leg work, acting as an intermediary and negotiating with the lender. Complete mountains of paperwork, leaving you to simply review and add your signature. Liaise with key parties, including solicitors and real estate agents (and you) to ensure a smooth settlement. Perform ongoing reviews for you after settlement to make sure you are always on a competitive loan.
Fin al cr edit assessm en t During the time when you are closing the deal, the lender will value the property, process your application and make a final credit assessment. At this point the lender will give unconditional finance for the purchase to proceed. If you haven't already, you will also need to pay the deposit at this point.
4STEPSTOSECURING YOURHOMELOAN Set you r Goal Once you know the type of property you want, and have a rough idea of what it is likely to cost, set yourself a target for saving a deposit. Talk to a morgage broker or financila planner who can assist you with your plan.
Talk t o a Br ok er Before you start actively looking for a property, it's worth speaking to a broker. They can give you an accurate assessment of your borrowing capacity (much more accurate than the on-line calculators) and determine your eligibility for government grants. Your broker will explain the government fees and charges and ensure you will be eligible for a loan when the time comes.
Get t h e gr een ligh t Whether you are bidding at auction or placing an offer with an agent, you're in a stronger position with a pre-approval. Pre-approval is essentially a green light from a lender to spend up to a certain amount. This means you'll know how much you've got to work with. You'll usually receive pre-approval within a few days of application. It's generally valid for 3-6 months, and assumes the financials stay the same.
Close t h e deal Whether you buy at auction or private treaty, securing a property is cause for celebration. But before you pop the champagne. you'll need to move fast to organise a few important things; A solicitor/conveyancer your agent can recommend someone they trust to take care of the legal work. Notify your broker so they can quickly move you to formal approval Have your deposit ready.
INSPECTIONS OPENHOMES
WHATSHOULDY
As you ar e w alk in g ar ou Does ever yt h in g w or k ,
Ar e t h er e an y sign s of d
Don't f or get t o w alk ar o in clu din g r oof , gu t t er s
WHATISTHEBESTWAY TOAPPROACHTHEM? Fir st ly go t o as m an y as you can . Housing inspections are about more than just the house. It's a chance to explore the neighborhood and check out the competition - other potential buyers. It gives you a good idea of the current market which in turn can give you the confidence to act quickly when you find the right home giving yourself the best chance of securing it.
DYOUBELOOKINGOUTFORATANINSPECTION
u n d t h e pr oper t y, t ak e n ot e of t h e f ollow in g open close - t u r n on & of f - is w at er f low adequ at e
dam age, st ain s, cr ack s ,u n even n ess, peelin g
ou n d t h e ou t side t o ch eck f en ces an d t h e bu ildin gs ext er ior an d dow n pipes.
So, you have pre-approval... Great! Now you know what price range to look in. Talk to an agent to determine what house may suit your needs (bedrooms, yard size, garages etc.) The agent will be able to make a short list of houses, and answer any questions you have about the property before you arrange an inspection. Inspecting A Property Most properties are tenanted or owner occupied. Legally, tenants need 48 hours notice of inspections, so try and plan your inspections 3 or 4 days beforehand. You will have a greater chance of seeing everything you want in the one sitting. Bring your parents, a sibling or a trusted friend to the inspection-they will pick up on things you don't notice about each property. Attend auctions and open house's-get to know your market Making An Offer When making an offer, you should make it subject to having relevant Building and Pest Inspections performed on the property. These inspections can cost a few hundred dollars each your solicitor will usually advise you to have these done, it is also may be a requirement for loan approval.
Making an offer on a residential property is a significant step. Before submitting your offer amount to the agent, it makes good sense to be well prepared for what might follow. Obtain a copy of the sale contract as soon as possible and have it examined by either your licensed conveyancer or solicitor.
MAKING ANOFFER
Once you have made an offer on a property, you may be asked to pay an initial deposit as an expression of interest. This won?t mean that the property is yours or that it gets taken off the market. It only proves to the seller that your offer is serious. The seller or agent can take as many preliminary deposits as they like for the one property. However, when you pay this deposit, the agent must provide you with a receipt. PLEASE NOTE An expression of interest deposit does NOT mean that the seller has any obligation to sell the property to you or that you have any obligation to purchase the property. The agent must refund your deposit if you don't end up entering into a contract to buy the property. The agent must also let you know if someone else makes a later offer on the same property. It is important to remember that the agent selling the property is not working for you, the buyer, but for the seller. Of f er accept ed, bu t it 's n ot you r s yet If your offer is accepted, be ready to sign the sale contract and proceed through with the exchange process. Do not sign or exchange the sale of contract until you have discussed it with your solicitor or licensed conveyancer. Prior to the exchange of the contracts, the vendor is free to negotiate with other purchasers for a higher offer. If the vendor accepts another offer and exchanges contracts with that party, any purchaser who misses out on the property despite having a verbal agreement to buy it, is gazumped.
INSPECTIONS
BUILDINGREPORTS
Pr e-pu r ch ase pr oper t y in spect ion r epor t As the name says, this building inspection report is the one you get before you buy a property. Sometimes referred to as a ?building inspection?, it is a written account of the condition of a property. It will tell you about any significant building defects or problems such as rising damp, movement in the walls (cracking), safety hazards or a faulty roof to name a few. It is usually carried out before you exchange sale contracts so you can identify any problems with the property which, if left unchecked, could prove costly to repair. There are three good reasons why you should get a building inspection report done before you buy a property: 1. so you will know in advance what the problems are 2. so you can use the information to try and negotiate a lower price for the property i.e. you may have to pay to repair some of the problems 3. so you can get specialist advice about any major problems and how they will affect the property over time. The format and amount of detail in the report will depend on the type of property, its size and age, its condition and the reporting process used by the consultant preparing the report. These factors will also influence the cost of the report. Photographs may or may not be included. The important thing is that the report complies with the Australian Standard (AS 4349.1). A building inspection report should include enough information for you to be aware of the property's condition and identify any significant problems. However, a standard building inspection report is generally a visual inspection only and may not identify major structural defects or other hidden problems. If you have concerns about such problems, you might consider obtaining an additional assessment of the property from a suitably accredited specialist, e.g. pest inspector, structural engineer, surveyor, plumber, electrician, electricity or water supply authority. The inspection should cover all accessible parts of the property including, interior, exterior, roof space, under-floor space & roof exterior.
Su b-h
h eadin gs
Th e f ollow in g w ou ld n or m ally be in clu ded in a bu ildin g in spect ion r epor t : -garage, carport and garden shed, separate laundry or toilet -fencing, small retaining walls (ie. non?structural) surface water drainage, storm water run-off steps, paths and driveways. -a list of any area or item that wasn?t inspected, the reasons why it wasn?t inspected and if necessary, a recommendation for further investigation -a summary of the overall condition of the property a list of any significant problems that need fixing. Make sure you specify any particular items or areas that you want inspected. A building inspection report should not be seen as an all-encompassing report dealing with every aspect of the property. Rather it should be seen as a reasonable attempt to identify any major problems that are visible at the time of the inspection. The extent of any problem will depend to a large extent upon the age and type of property. While the report will give you valuable expert advice, it will not cover everything.
Or der in g a Repor t Talk to the agent who showed you the property about organizing an inspection. Most consultants will need a minimum of 2?3 days?notice to do a building inspection and tenants may need notice of the inspection so make sure you give yourself enough time to make a decision. You should have the property inspected as early in the sale negotiations as possible. This will help you decide if the property is worth buying. There may be little point in spending money on conveyancing until you know the condition of the property. While the building inspection report should identify any visual damage caused by termite activity, it won?t include the detection of whether termites and other timber destroying pests still exist. You should consider getting a pest inspection done as well as the building inspection, especially if the property is located in an area where termites are known.
AUCTION f you are thinking about buying a residential or rural property at an auction, you need to be well informed about your rights and responsibilities. Under law, agents are required to give all potential bidders a copy of a publication called the Bidder 's guide prior to the auction. It is strongly recommended you take the time to read it. The Bidder 's guide contains important information you need to know, such as how to register and what kind of identification you must provide before you can bid. Because buying at an auction can be a nerve-racking experience, in addition to reading the Bidder 's guide, it is a good idea to attend an auction or two as a spectator to familiarise yourself with the auction process. Also, take the time to find out what prices properties in the area have sold for, so you have a guide to the market value of the home you want. Before auctioning a property, the seller will nominate a reserve price which is not tdisclosed to the interested buyers. The reserve price is the lowest price that the seller is willing to accept. If the highest bid is below this price, the property will be ?passed in?. The seller will then either try and negotiate a price with interested bidders or put the property back on the market. If the bidding continues beyond the reserve price, the property is sold at the fall of the hammer. If you are the successful buyer, you must then sign the sale contract and pay the deposit on the spot (usually 10%). Unlike when you buy a house that is for private treaty, there is no cooling-off period when you buy at auction, or exchange contracts on the same day as the auction after it is passed in. It is important to - have your solicitor or conveyancer examine the sale contract before the auction to make sure everything is in order - have your finance arranged - have pre-purchase inspections completed prior to the auction:
BEPREPARED
BIDDING It can be easy to get caught up in the moment when the auction is in full swing, so it's important that you set yourself some limits and goals Consider your top bid while you're in a calm and rational state of mind and stick to it. Stand at the front with a good view of the crowd and auctioneer. Start with a strong bid and then increase by smaller increments. Record your bids so you don't loose track. Set your limit as an uneven number . People tend to think in round numbers so it could give you an edge. For example, instead of $300,000 set you limit to $303,000. Keep calm and be aware of your body language give the impression you know what you are doing. If you don't trust your emotions, thin about having someone else you trust bid for you.
M ak e a pr e-au ct ion of f er If you are unwilling to wait till auction day, it might be worthwhile making an offer through the agent to see if the vendor would be willing to accept.
PLANYOUR STRATEGY
BUYINGLEGALS Con veyan cin g If you want to buy or sell a home, land or investment property you?ll have to sign a contract. The legal work involved in preparing the sales contract, mortgage and other related documents, is called conveyancing. Most people get a licensed conveyancer or solicitor to do the work for them.
Usin g a Con veyan cer In NSW, conveyancers must be licensed with NSW Fair Trading. Most conveyancers hold an unrestricted license that allows them to perform the full scope of conveyancing work for residential, commercial and rural property. Conveyancers are licensed to do legal work such as preparing documents, giving legal advice on contracts and explaining the implications. Before you decide to use a particular conveyancer, check if they are licensed first.
Usin g a Solicit or While conveyancers and solicitors are both qualified to do conveyancing work, solicitors can also give you legal advice about other matters that may arise as part of the sale.
You r bid or of f er h as been accept ed So w h at h appen s n ext ? Your purchase now begins with the conveyancing process which is formalised into 2 parts. 1) The exchange of Contracts (after this the property is unconditional.) 2) The settlement of the contract.
SOLICITOROR CONVEYANCER
CONVEYANCING PROCESS Th e pr ocess in volves t h e f ollow in g st eps - examining and exchanging the contract of sale - arranging payment of stamp duties - preparing and examining the mortgage agreement - checking if there are outstanding arrears or land tax obligations - finding out if any government authority has a vested interest in the land or if any planned development could effect the property (eg. local council, Water Authority, RTA) - finding out any information that may not have been previously disclosed such as a fence dispute or illegal building work - calculating adjustments for council and water rates for the property settlement - overseeing the change of title with the Land and Property Information NSW - completing any final checks prior to settlement attending settlement.
Cost s Fees will vary between solicitors and conveyancers as there is no official charge for conveyancing. Legal practitioners and conveyancers are required to disclose their costs to clients, including the clients?right to negotiate a costs agreement, receive bills and be advised of changes, among other things.
THESALECONTRACT By law, a residential property under 2Ha cannot be put on the market until a sale contract has been drawn up. You have the right to examine the contract at any time once a property is on the market. If a particular property interests you, get a copy of the sale contract as soon as possible so you can ask your solicitor or conveyancer to review it. You should have this done before signing a sale contract. When you buy a residential property in NSW there is a five business-day cooling-off period after you exchange sale contracts. During this period you have the option to get out of the contract as long as you give written notice. The cooling-off period starts as soon as you exchange and ends at 5pm on the fifth business day. A cooling-off period does not apply if you buy a property at auction or exchange contracts on the same day as the auction after it is passed in. Exchanging sale contracts is the legal part of buying a home. Before exchange, the agreement is usually just verbal and not binding. Up until you exchange contracts either you or the vendor have the right to change your minds. After you have discussed the contract with your solicitor or licensed conveyancer and all the proper inquiries have been made, and after all the financial arrangements are in place, you will be ready to exchange contracts. There will be two copies of the sale contract: one for you and one for the vendor. You each sign one copy before they are swapped or ?exchanged?. This can be done by hand or post and is usually arranged by your solicitor or conveyancer. At the time of the exchange you will be required to pay a deposit. While it is usual for a vendor to ask for a 10% deposit, any agreed amount of deposit is sufficient to make the contract binding on both parties. The amount must be agreed to by both parties and recorded on the contract. Following exchange, you have a financial interest in the property so it?s wise to consider getting it insured. You can waive the cooling-off period by giving the seller a ?66W certificate?. The certificate needs to be signed by your solicitor or conveyancer. If you use your cooling-off rights and withdraw from the contract during the five business day period, you will have to pay the seller 0.25% of the purchase price. This works out to be $250 for every $100,000.
Som et im es, t h er e ar e m or e bu yer s look in g f or h om es t h an t h er e ar e pr oper t ies on t h e m ar k et . Th is is called a seller s?m ar k et . In t h is case, you m ay w an t t o or gan ise a qu ick con t r act exch an ge. Th is w ay you can r edu ce t h e possibilit y of som eon e beat in g you r of f er .
Keep in touch The key players during the period from exchange to settlement are the solicitors and brokers. Keep in regular contact with them to make sure everything is on track for settlement.
Final Inspection A 'final' inspection takes place a few days before the property is due to settle. Your agent will arrange a time to accompany you to the property. The purpose of the final inspection is to ensure that the property is in the same state and condition that it was as at the date of exchange-the date you signed contracts. The buyer would also be looking to ensure that the seller has complied with any special conditions in the contract. For example, the vendor may have agreed to repair a cracked wall. Check that • The vendor has removed their furniture and rubbish. • Items included in the sale still remain. ('Inclusions' such as stove, clothes line.} • Check that no additional damage has occurred to the property. • Check that the appliances etc are still working - light switches, dishwasher. Any issues that come out of a final inspection should be conveyed to your solicitor as soon as possible.
Settlement Settlement usually takes place about six weeks after contracts are exchanged. Most settlement periods are usually 30 or 42 days however this can be varied if both parties agree. This is when you become the legal owner of the property. The balance of the purchase price and other adjustments are paid on this date.
QPL Rural Temora
QPL Rural Boorowa
QPL Rural
QPL Rural Boorowa
To see if our products are right for you, always read the PDS from the product issuer, WFI (ABN 24000036279 AFSL 241461). QPL Rural is a sales associate of WFI. If you take out a policy with WFI, QPL Rural receives a commission from WFI of between 2.5% and 10% of the value of the premium payment (excluding taxes & charges). Luke Ellis (AR 428480)is an authorized representative of WFI.
Moving home A ‘how to’ guide
MOVING DAY
DAY BEFORE
1 WEEK TO GO
2 WEEKS TO GO
4 WEEKS TO GO
6 WEEKS TO GO
GETTING STARTED
Moving home is undoubtedly a big job. With good planning and organisation, it can be a lot less stressful. Getting it all sorted four to six weeks out from the day of the move is ideal. • Get a file for all your moving documents – keeping these safe and organised is key. • Download our MOVING CHECKLIST that contains an inventory of things that need to be moved. • Plan your packing – check sizes of furniture items to ensure they will fit in the new property. Note any items with specific moving instructions or that require special care
• Start thinking about what you WON’T be taking with you. Decluttering, donating and disposing can be done as you go along, (don’t forget to check sheds, under the house and in the roof!) Separate into groups such as KEEP, SELL, STORE, DONATE, DISCARD • Dispose of unwanted chemicals and paint, but leave behind current colours for touch ups after the move.
• Arrange any insurance (building and / or contents) • Make a checklist of everything you need to do • Get quotes from removalists if you are using one. Using our MOVING CHECKLIST to assist with quoting. • Start changing your address. Our online list has all your necessary contacts • Renters: notify your agent or landlord of your departure date. Notice periods will apply.
• Change enrolment details at schools / tertiary institutions and arrange for transfer of records if necessary • Electoral roll transfer • Reduce volumes of food on hand – especially frozen items. • If your move is interstate or international, arrange passports, tickets, visas, currency and accommodation. • Arrange a garage sale if necessary.
• Contact relevant authorities to arrange connection and
• If you need to store any items, arrange this with your preferred storage company and ensure transport to the facility is arranged if required. • Obtain medical and pet records if you are moving interstate or overseas. • Notify Australia Post of your change of address for redirection. • Change your address for any subscriptions
• • • •
disconnection of utilities and services. The MOVING CHECKLIST contains a list of these contacts Notify organisations of your change of address. If your move requires it, arrange transportation for cars, boats and trailers and ensure loose items inside are secured. Arrange transportation for pets if necessary. Arrange any repairs to the property you are vacating.
• Return any library books, dvd’s and collect dry cleaning. • Dismantle large furniture items. • Get some moving boxes, tape, packing paper and bubble wrap from your appointed removalist or local storage company and start packing. Be sure to label boxes as you go with contents and what room they are to go to in the new property. • Arrange hard rubbish collection with your local council (if possible) or a contractor.
• Hold your garage sale. • Arrange a charity collection for after the garage sale for anything not sold! • Arrange a vacate clean if you won’t be doing it yourself. If you are renting, it is imperative this is done before the conclusion of your tenancy. • Arrange a day off with your employer if necessary for moving day.
• Prepare a pack of necessities for the day of the move – tools, tea, coffee, tissues, cups, kettle, toilet paper, pet needs, scissors, medications, kids toys and snacks are a great start. • Set aside towels and linen that will be needed on the first night. • Check whether a permit is required for the moving truck at the new location on the day of the move. • If payment is required on the day of the move for removalists, ensure you have that ready.
• Do any remaining washing. • Confirm requirements for key collection for your new home with the agent. • Reconfirm all moving details with removalists, real estate agents and lawyers. • Contact your new council to find out when rubbish is collected.
Defrost and clean out the fridge and freezer. Empty water out of the washing machine. Eat or dispose of any perishable food items. Set aside any property specific manuals to the property you are vacating and leave your forwarding details with them for the next occupant.
• Separate items you will be transporting from items that will be moved by the removalists. • Set aside any items that will be required for cleaning post move.
• Ask removalists to put kitchen boxes in last to ensure they are first
• Ensure utilities are connected at the new address. • Check all items off your inventory as they are unloaded. Notify moving company immediately if anything is missing. • Post move and clean, ensure the mains switch is off to the electricity meter. • Lock all doors and windows and turn off hot water system if the property will be vacant for a while.
• • • •
off at the new property. • Collate all keys, remotes and access swipes that remain with the property. Return to the real estate agent or landlord on settlement/ vacate date. • Document the condition of the property you are moving in to and take photos.
qplrural.com.au
Stamp Duty Approximate calculations Sale Price Approx
Stamp Duty
Sale Price Approx
Stamp Duty
$40,000
$590
$320,000
$9,890
$60,000
$940
$340,000
$10,790
$80,000
$1,290
$360,000
$11,690
$100,000
$1,990
$380,000
$12,590
$120,000
$2,690
$400,000
$13,490
$140,000
$3,390
$420,000
$14,390
$160,000
$4,090
$440,000
$15,290
$180,000
$4,790
$460,000
$16,190
$200,000
$5,490
$480,000
$17,090
$220,000
$6,190
$500,000
$17,990
$240,000
$6,890
$510,000
$18,440
$260,000
$7,590
$540,000
$19,790
Jason Haines has the QPL Rural know how to reach more buyers for your rural property Jason Haines P 0488 594 450
SOLD Prior to Auction
SOLD to local purchaser
SOLD to Re-locators
SOLD to Tree Changers
SOLD to Local Buyers
SOLD to local Purchaser
SOLD to tree changers
Andrew Pellow has the QPL Rural know how to sell your Residential and Lifestyle property for more Andrew Pellow P 0488 226 135
SOLD prior to Auction
SOLD to local buyers
SOLD within 30 days on the market
SOLD to Local buyers
SOLD to tree changers/re-locators SOLD
SOLD
SOLD to Local Purchasers
SOLD within 14 days of hitting the market
SOLD to local buyers
SOLD to relocators
Connect with us via Social Media Be social with QPL Rural.
qplruraltemora qplruralnarrandera qplruralboorowa
qplruraltemora qplruralnarrandera
qplrural
QPL Temora 128 Hoskins St Temora 2666 T 02 69 781008
QPL Narrandera / Leeton 113 East St Narrandera 2700 T 02 69 594450
qplrural.com.au
QPL Boorowa / Harden 28 Marsden St Boorowa 2586 T 02 63 851093