What Is a Private Treaty Sale?
Thinking about buying your first home through private treaty? This method offers more time and flexibility than auctions. With Buyvest’s support, you can buy with confidence and avoid common first-time buyer mistakes. This guide will walk you through the entire private treaty process, from initial preparation to final settlement, helping you make informed decisions and secure the right home.
Understanding private treaty Sales
Before diving into the process, it's crucial to understand what private treaty sales are and how they differ from other methods of property purchase.
What Is a private treaty sale?
A private treaty sale is the most common way of buying property in Australia. Here’s how it works:
Definition: A property transaction where the seller sets an asking price, and buyers negotiate either directly or through agents.
Timeframe: Private treaty allows for a more extended negotiation period compared to auctions.
Price transparency: The asking price is typically advertised, offering a clear starting point for negotiations.
Conditions: You can include conditions in the contract, such as finance and inspection clauses.
Cooling-Off period: In NSW, a statutory 5-business-day cooling-off period applies unless waived.
Negotiation focus: Unlike auctions, private treaty relies on direct negotiation rather than competitive bidding.
This method gives first home buyers more time and flexibility to make informed decisions, without the immediate pressure found at auctions. At Buyvest, we can guide you through each stage, helping you understand the process and choose the best options.
Private treaty vs auction
Understanding the differences between private treaty and auctions helps you decide the best approach for your first home purchase. Here's how private treaty compares:
Time pressure: Private treaty gives you time to make considered decisions; auctions require immediate choices.
Price knowledge: Private treaty typically lists an asking price; auctions often provide a price range.
Negotiation style: Private treaty involves back-and-forth negotiations; auctions use competitive bidding.
Conditional offers: Private treaty allows conditional offers; auctions require unconditional bids.
Deposit requirements: Private treaty generally requires a 0.25% deposit, with the balance due at exchange; auctions require 10% upfront.
Cooling-off rights: Private treaty includes a cooling-off period, while auctions do not.
Settlement flexibility: While both methods generally have a 42-day settlement, private treaty offers more flexibility.
For first home buyers, private treaty often provides a less intimidating entry into the property market, offering more flexibility and legal protections than auctions. With Buyvest’s expertise, you’ll have the support you need to make the right choice.
Advantages of private treaty for first home buyers
Private treaty sales offer several key benefits for first-time buyers:
Reduced pressure: You have time to consider your options without the intense emotions of an auction.
Due diligence opportunity: You can conduct building and pest inspections before committing to the purchase.
Finance clause protection: Contracts can be conditional on securing financing.
Negotiation power: You can negotiate not just the price, but also terms and inclusions.
Lower upfront costs: Private treaty typically requires a smaller initial deposit than auctions.
Cooling-off safety net: The cooling-off period provides protection in case you need to reconsider.
Price transparency: Knowing the seller’s expectations from the start helps you plan your strategy.
For first home buyers who may feel less experienced in property transactions, private treaty offers a more measured approach, providing greater security and clarity. Buyvest can assist you in making informed decisions and ensure you’re well-prepared throughout the process.
The private treaty process
Navigating a private treaty purchase involves several key stages, each requiring specific preparation and knowledge. With Buyvest’s support, you can move through each step with confidence and clarity, ensuring you’re well-prepared for your first home purchase.
Securing pre-approval
Before you begin your property search, it's essential to establish your financial position. Pre-approval gives you a clear budget framework and demonstrates your credibility as a buyer.
Importance: Pre-approval is a critical step, providing you with a budget and making your offer more appealing to sellers.
Documentation requirements: To secure pre-approval, you'll need to provide financial statements, identification, employment verification, and details of your expenses.
Assessment factors: Lenders will assess income stability, credit history, existing debts, and deposit size.
Validity period: Pre-approval typically lasts 3-6 months. If your search takes longer, you may need to renew it.
Lender selection: Different lenders offer varying terms for pre-approval. With Buyvest’s guidance, you can choose the best lender for your needs.
Conditional nature: Keep in mind that pre-approval is not a guarantee of final loan approval.
Strategic advantage: With pre-approval, you can negotiate confidently and act quickly when you find the right property.
Working with a mortgage broker like Buyvest ensures you get the most favourable pre-approval terms and access to a variety of lender options tailored to first home buyers.
The property search
Once you have pre-approval, you can begin your property search with confidence, knowing you’re within your financial limits.
Budget Alignment: Focus on properties that fall within your pre-approved limit to avoid unnecessary financial strain.
Search Tools: Use real estate websites, agent relationships, and property alerts to keep track of potential homes.
Inspection Strategy: Approach property viewings methodically to ensure you evaluate each home thoroughly.
Location Research: Investigate the neighbourhood's amenities, transport options, and any potential for future development.
Property Type Considerations: Think about whether a house, townhouse, or apartment suits your needs now and in the future.
Future Potential: Look for properties that not only meet your immediate needs but also have potential for growth or changes in the future.
Shortlisting Methodology: Develop a clear set of criteria to help you narrow down options efficiently.
Buyvest can guide you in refining your property search, ensuring that you remain within your budget while targeting homes that suit both your current needs and future goals.
Property inspections
When you find a property that meets your criteria, thorough inspections are essential to uncover potential issues before making an offer.
Open Home Etiquette: Make the most of open inspections by carefully observing the property and taking notes.
Private Inspection Advantages: Arranging private viewings with agents can allow for a more detailed, one-on-one evaluation.
Inspection Checklist: Create a checklist to systematically evaluate the property’s condition, features, and potential issues.
Multiple Visits: Visit the property at different times of day to see it in various lighting and conditions.
Professional Building Inspections: Consider engaging experts for in-depth assessments, such as structural integrity.
Pest Inspections: Pest inspections are essential to identify issues like termites that could be costly in the long run.
Strata Records Review: For apartments or townhouses, reviewing strata records helps you identify any building or financial issues that may arise.
Documenting your findings from each inspection will help you compare properties objectively and identify red flags that may require further investigation.
Navigating the private treaty process can be straightforward when you have the right guidance. Buyvest is here to support you through each step, from securing pre-approval to finalising your property purchase. If you're ready to get started, reach out to us today for expert advice and tailored mortgage solutions.
Legal guidance
Professional legal assistance is crucial for navigating the complexities of property transactions. With Buyvest’s support, we can guide you through the process of engaging the right legal help, ensuring all aspects of your property purchase are handled smoothly and legally.
Timing: It's beneficial to engage legal representation early in the process to ensure your interests are protected from the start.
Selection criteria: Buyvest can help you choose the right conveyancer or solicitor for your needs, considering factors like experience and cost.
Cost considerations: Legal fees vary, so it’s important to understand what services are included in the quoted price.
Contract review: Having a professional examine the contract of sale ensures no hidden surprises.
Title searches: Verifying property ownership and identifying any encumbrances protects you from potential issues.
Negotiation support: A legal representative can assist in negotiating the terms of the contract to better suit your needs.
Settlement coordination: Your conveyancer will ensure that the settlement process runs smoothly, and all legal requirements are met.
Your conveyancer or solicitor is your legal advocate throughout the transaction, and Buyvest can help connect you with trusted professionals to safeguard your purchase.
Making an offer
Making an offer is a critical stage in the private treaty process. With Buyvest’s expertise, we can help you develop a strategic approach to negotiations, ensuring you get the best possible deal for your first home.
Price determination: Buyvest can assist you in deciding your initial offer amount based on market trends and property valuations.
Offer presentation: Learn about formal and informal methods for submitting your offer to maximise its chances of acceptance.
Negotiation tactics: Our team provides you with effective strategies to achieve the best possible outcome during negotiations.
Conditional offers: We’ll explain how to use conditions in your offer to protect your interests, such as subject to finance or inspections.
Counter-offer responses: If the seller counters your offer, Buyvest can help you evaluate and respond strategically.
Multiple offer scenarios: In a competitive market, Buyvest can advise you on how to navigate multiple offer situations.
Verbal vs Written offers: We emphasise the importance of documenting all offers and responses to ensure clarity and avoid misunderstandings.
With Buyvest's guidance, you’ll approach negotiations confidently, knowing that you have the support needed to secure the best deal.
Deposits
Understanding deposit requirements and processes is crucial when making an offer. With Buyvest’s expertise, we help ensure you're prepared and confident in this essential stage.
Initial deposit: Typically, 0.25% of the purchase price when making an offer; Buyvest helps you understand when and how to make this payment.
Exchange deposit: Usually, 10% of the purchase price at contract exchange—Buyvest ensures you're prepared for this step.
Deposit bonds: If you’re unable to make an immediate cash deposit, Buyvest can help explore deposit bond options.
Trust account protection: Learn how your deposit is held securely during the transaction process.
Deposit release conditions: We explain when and how deposits are released, protecting your interests throughout the process.
Forfeiture risks: Understand the circumstances under which you might lose your deposit, ensuring you’re fully informed.
Interest considerations: Some deposit funds may earn interest—Buyvest ensures you’re aware of who benefits from these funds.
Buyvest ensures that you are fully prepared to secure your interest with the appropriate deposit funds at every stage of the process.
The cooling-off period
The cooling-off period is a valuable protection for buyers in NSW. Buyvest can help you navigate this stage and understand your rights during the cooling-off process.
Duration: The cooling-off period lasts for 5 business days from contract exchange.
Purpose: It provides time for you to complete final due diligence and confirm your finance arrangements.
Withdrawal process: Learn how to formally withdraw if necessary, and the financial implications of doing so (forfeiting 0.25% of the purchase price).
Extension possibilities: We explain whether and how the cooling-off period can be extended if needed.
Waiver considerations: Buyvest will guide you through situations where waiving the cooling-off period might be advantageous.
Regional variations: Cooling-off periods differ across Australian states, and Buyvest ensures you’re aware of these variations in your location.
The cooling-off period is an essential protection, and Buyvest is here to guide you in making informed decisions.
The 66W certificate
In some cases, buyers may choose to waive their cooling-off rights, but this decision should never be made without careful consideration. Buyvest can provide expert advice on this important choice.
Purpose: Waiving the cooling-off period signals serious commitment to the purchase.
Legal requirements: A solicitor or conveyancer must certify that you understand the implications of waiving the cooling-off rights.
Strategic advantages: Waiving the cooling-off period can give you a competitive edge in a multiple-offer situation, and Buyvest can help assess when this is beneficial.
Risk assessment: We help you weigh the risks of waiving your cooling-off rights and ensure you’re fully prepared.
Preparation requirements: Make sure all due diligence is completed before deciding to waive.
Competitive edge: In a competitive market, waiving the cooling-off rights could make your offer more attractive.
Unconditional commitment: Waiving creates an unconditional contract, and Buyvest ensures you're fully informed before taking this step.
Waiving the cooling-off period is a significant decision, and Buyvest is here to guide you through this process with expert legal advice.
Finalising your mortgage
Moving from pre-approval to formal loan approval is a critical stage. Buyvest’s mortgage experts are here to help you through each step, ensuring you secure the best loan for your needs.
Valuation process: The lender’s property valuation is an important step, and Buyvest will help you navigate this to ensure it aligns with your expectations.
Final documentation: You’ll need to provide additional paperwork to move from pre-approval to formal loan approval. Buyvest helps you manage this smoothly.
Loan structure decisions: Finalise the interest rate, loan features, and repayment structure that best suits your needs.
Lender’s mortgage insurance: If your deposit is less than 20%, Buyvest can help you understand and arrange lender’s mortgage insurance.
Settlement preparation: Organising your loan documents and ensuring everything is ready for settlement is crucial.
Insurance requirements: Most lenders require building insurance before settlement, and Buyvest will assist you in making these arrangements.
Final approval timing: Buyvest ensures you understand the timeline and requirements for receiving unconditional loan approval.
Buyvest is here to guide you through the entire mortgage process, from pre-approval to final settlement.
Settlement
Settlement is the final stage of the property purchase. With Buyvest’s guidance, you’ll be fully prepared for this important milestone.
Timing: Typically, 42 days from contract exchange, but this can be negotiated based on your needs.
Pre-settlement inspection: You have the right to conduct a final property inspection before settlement, and Buyvest can advise you on what to look for.
Settlement attendance: While you may not need to attend personally, Buyvest ensures everything is for a smooth process.
Documentation: Ensure all the final paperwork is prepared and ready for settlement.
Fund transfers: Buyvest ensures that the purchase funds are transferred securely to the seller on settlement day.
Key handover: Once settlement is complete, you’ll receive the keys to your new property.
Registration: The property is officially registered in your name, and Buyvest will ensure that all legalities are in order.
Settlement marks the completion of your property purchase, and Buyvest ensures a seamless transition to ownership.
Private treaty Purchase: Price negotiation, contract tips and timing strategies
Beyond the basic steps of the private treaty process, strategic decisions can significantly impact your experience and outcomes. With Buyvest's expertise, we can help you navigate these key elements to optimise your purchase.
Price negotiation strategies
Effective negotiation can save you thousands. Buyvest will guide you through strategies to secure the best possible deal on your property.
Market research: We assist you in using comparable sales data to inform your offer, ensuring you're not overpaying.
Starting position: Buyvest helps you determine your initial offer strategically based on market conditions and property value.
Negotiation increments: We’ll advise you on how much to increase your offers during negotiations to maintain leverage.
Emotional detachment: It's easy to get emotionally attached to a property, but Buyvest helps you stay objective to avoid overpaying.
Agent communication: With our expertise, we help you read between the lines of agent feedback to gain better insight.
Seller motivation: Understanding the seller’s situation is key. Buyvest can help identify and leverage this to your advantage.
Walking away: Knowing when to exit negotiations is essential. Buyvest provides guidance on when it's time to move on.
Remember, with Buyvest's assistance, everything is negotiable—not just the price, but also settlement terms, inclusions, and conditions.
Contract conditions and special clauses
Tailoring the contract to protect your interests is a crucial part of the purchase process. Buyvest, alongside your legal representatives, will ensure you're fully protected.
Finance clause: Ensure the contract is conditional on securing financing—Buyvest will help you understand this clause.
Building and pest inspection conditions: Protect yourself by including conditions for inspections in case significant issues arise.
Settlement period negotiation: Standard settlement periods are typically 42 days, but Buyvest helps you negotiate terms that work for your circumstances.
Inclusions and exclusions: Ensure the contract specifies what stays with the property, such as fixtures or appliances.
Special requirements: Add clauses that address any unique circumstances, such as zoning or restrictions on the property.
Sunset clause considerations: Understand the time limitations on the contract’s validity with Buyvest's help.
Penalty clauses: Be aware of the penalties associated with delayed settlement, and we’ll guide you on how to avoid them.
With Buyvest's assistance, your conveyancer or solicitor will advise on appropriate conditions for your specific situation and ensure they’re well-documented in the contract.
Dealing with multiple offers
In competitive markets, facing multiple offers is common. Buyvest helps you structure your offer to increase your chances of success, even when competing against other buyers.
Best and final offer strategy: We guide you on when and how to put forward your best offer to secure the property.
Proof of funds: Demonstrating your financial capability strengthens your position, and Buyvest helps ensure you present a strong case.
Flexible terms: Offering flexibility in settlement timing can appeal to the seller. Buyvest can help you assess the right strategy.
Deposit size: A larger deposit can signal serious commitment to the seller. We can help you determine the appropriate deposit amount.
Minimal conditions: Reduce conditions in your offer to make it more attractive to the seller.
Personal connection: Sometimes a personal letter to the seller can influence their decision. Buyvest can advise on whether this approach is beneficial.
Patience and persistence: If you’re outbid, Buyvest helps you maintain perspective and prepares you for future opportunities.
Understanding the seller’s priorities allows Buyvest to help you structure a compelling offer, even if it’s not the highest price.
Timing considerations
Strategic timing can greatly enhance your chances of securing a property. With Buyvest’s guidance, we ensure you’re ready to act when timing is in your favour.
Market cycles: Understand how seasonal market patterns affect property availability and pricing. Buyvest can help you capitalise on these cycles.
Days on market: Use the listing duration as a negotiating tool to assess how eager the seller is to sell.
Urgency signals: We help you recognise when to act quickly versus when to take your time, ensuring you don’t rush into a decision.
Settlement flexibility: Using timing as a negotiation tool, Buyvest helps you structure settlement terms to suit both you and the seller.
Interest rate environments: Broader economic conditions, such as interest rates, affect the property market. Buyvest keeps you informed to help you make strategic decisions.
New listing opportunities: Act quickly when new properties are listed. Buyvest ensures you are ready to view and make offers on newly available homes.
End of campaign timing: Sometimes properties that have been on the market for a while may offer better opportunities as sellers become more willing to negotiate. Buyvest ensures you’re prepared to act at the right moment.
With Buyvest's help, you’ll be strategically prepared to take advantage of optimal timing in the market, improving your chances of securing the right property at the right price. You’ll have the expert guidance and support needed to make well-informed strategic decisions throughout the private treaty process, ensuring the best possible outcome for your purchase.
Frequently asked questions about private treaty purchases
How long does the private treaty process typically take?
The timeline for private treaty purchases can vary based on several factors. With Buyvest's guidance, we ensure you have realistic expectations and are well-prepared for each stage of the process.
Finding the right property: Typically, 1-6 months, depending on market conditions and your specific requirements.
Negotiation period: Usually 1-7 days from initial offer to acceptance.
Contract exchange: Typically occurs 1-3 days after the offer is accepted.
Cooling-off period: 5 business days in NSW (unless waived).
Settlement period: Typically, 42 days from exchange, but it can be negotiated.
Total timeframe: From the beginning of the search to settlement, usually 3-9 months.
The extended timeframe compared to auctions allows for more thorough due diligence and considered decision-making. This is especially beneficial for first-home buyers, and Buyvest will guide you through each phase to ensure you don’t miss any important steps.
What deposit is required for a private treaty purchase?
Deposit requirements typically follow a standard structure, but Buyvest helps you navigate the process and ensures you're well-prepared.
Initial deposit: Usually 0.25% of the purchase price when making an offer.
Exchange deposit: Typically, 10% of the purchase price at contract exchange (including the initial deposit).
Deposit holding: Held in the real estate agent's trust account until settlement.
Deposit alternatives: In some cases, deposit bonds may be accepted.
Negotiability: There may be flexibility in the deposit amount or structure.
Forfeiture conditions: Understanding the circumstances under which you might lose your deposit.
Final settlement: The remaining 90% of the purchase price is paid at settlement.
Ensuring your deposit funds are readily available is crucial for a smooth process, and Buyvest can help you prepare for each step.
Can I make my offer conditional on finance approval?
In NSW, finance conditions aren't always necessary due to the cooling-off period, which gives you time to confirm your finance before the contract becomes final.
Cooling-off period: In NSW, you have a cooling-off period of 5 business days after exchange, which allows you time to confirm your finance approval before you’re legally committed to the purchase.
Finance approval: While you don't necessarily need a finance condition in your contract due to the cooling-off period, it's still possible to include one if you want extra security before proceeding.
Evidence requirements: If you do include a finance condition, you'll need to provide proof of finance decline if you're unable to get approval.
Extension possibilities: If you need more time for finance approval, you can discuss extending the period for the finance conditions in your offer.
Impact on the offer: Including a finance condition may affect the competitiveness of your offer, especially in a hot market.
Buyvest and your conveyancer can guide you in deciding whether to include a finance clause, helping to protect your interests while maintaining a strong position in negotiations.
What happens if issues are found during building and pest inspections?
If inspection results reveal problems, Buyvest can help you explore your options to protect your interests:
Renegotiation: Use the results to request a price reduction.
Repair requests: Ask the seller to address identified issues before settlement.
Contract termination: In some cases, you may be able to withdraw from the purchase.
Obtaining quotes: Get repair estimates to guide your decision-making.
Prioritising issues: Assess the significance of the issues—minor concerns vs. major defects.
Specialist assessments: Seek expert opinions on specific problems.
Negotiation leverage: Effectively use inspection results as leverage in discussions.
By ensuring building and pest inspection conditions are included in your contract, Buyvest helps you navigate this stage with confidence.
What's the difference between exchange and settlement?
Understanding the key milestones of exchange and settlement is vital. With Buyvest's guidance, you can manage expectations and make informed decisions.
Exchange:
The point where signed contracts are swapped between buyer and seller.
The 10% deposit is typically paid.
The beginning of the cooling-off period (unless waived).
Creates a legally binding agreement to proceed with the purchase.
Usually occurs 1-3 days after offer acceptance.
Settlement:
The final transaction where ownership legally transfers.
The remaining 90% of the purchase price is paid.
Typically occurs 42 days after exchange (but can be negotiated).
You receive the keys and take possession.
Involves representatives from both parties, their legal representatives, and the lenders.
Buyvest will help you understand these stages and guide you through the process to ensure a smooth transition from exchange to settlement.
Can I negotiate the settlement period?
Yes, the settlement period is negotiable. Buyvest helps you structure the most beneficial terms for your situation:
Standard period: Typically, 42 days (6 weeks) from exchange.
Shorter settlements: Possible when both parties are ready, and financing is in place.
Extended settlements: May be arranged under special circumstances.
Seller preferences: Understanding the seller’s timing needs can help with negotiations.
Practical considerations: Ensuring you have enough time for loan processing and moving arrangements.
Penalty clauses: Be aware of consequences for delayed settlement.
Buyvest can assist in negotiating the settlement period and ensure it aligns with your needs and circumstances.
What happens during the cooling-off period?
The cooling-off period allows for final due diligence. With Buyvest’s support, you’ll be able to navigate this period confidently.
Timing: 5 business days from contract exchange in NSW.
Purpose: To complete inspections, confirm finance approval, and conduct final research.
Withdrawal right: You can withdraw from the contract for any reason during this time.
Financial consequence: Forfeiting 0.25% of the purchase price if you withdraw.
Notification requirement: Written notice is required to withdraw during this period.
Extension possibility: Understanding if and how the cooling-off period can be extended.
Waiver option: Using a 66W certificate to waive this right when strategically advantageous.
Buyvest ensures you're aware of your cooling-off rights and helps you determine when it’s in your best interest to utilise or waive these rights.
Can I withdraw my offer after it’s been accepted?
In New South Wales, you can withdraw your offer at any time before both you and the seller sign the contract. Until the contract is signed by both parties, you're not required to go ahead with the purchase. Once both parties sign the contract, you will usually need to pay a 0.25% holding deposit, and the 5-business-day cooling-off period begins. During this time, you can still withdraw, but you will forfeit the 0.25%. After the cooling-off period ends - or if it’s waived with a 66W certificate - you are legally committed to buy the property. Backing out after that may result in serious legal and financial consequences.
Should I waive my cooling-off rights with a 66W certificate?
Waiving cooling-off rights can strengthen your offer in certain situations, but Buyvest helps you assess whether it’s the right move.
Competitive advantage: Waiving can make your offer more attractive in multiple offer situations.
Risk assessment: Only appropriate once you've completed all necessary due diligence.
Finance certainty: Ensure you have unconditional loan approval before waiving.
Inspection completion: All inspections should be satisfactory before waiving.
Legal requirement: The waiver must be certified by a solicitor or conveyancer.
Strategic timing: Consider waiving after initial checks during the cooling-off period.
Buyvest works with you to ensure you understand the implications of waiving cooling-off rights and can guide you on how to approach it strategically.
What can go wrong at settlement and how can I prevent issues?
Several potential issues can arise at settlement, but with Buyvest's expert support, you can avoid complications.
Finance delays: Ensure all loan documents are processed well in advance.
Title issues: Conduct thorough title searches before exchange.
Outstanding payments: Confirm that all rates, taxes, and levies are paid up to date.
Property damage: Conduct a pre-settlement inspection to verify the condition of the property.
Missing documents: Have all necessary paperwork ready before settlement.
Bank errors: Double-check banking details and fund transfers.
Communication breakdowns: Maintain clear communication between all parties.
Working with Buyvest ensures that you are fully prepared for settlement, reducing the risk of unexpected issues.
Next steps in your private treaty purchase journey
Once you understand the private treaty process:
Secure your pre-approval to establish your budget and demonstrate buyer credibility.
Engage a conveyancer or solicitor to provide legal guidance throughout the process.
Begin your property search with clear criteria and systematic evaluation methods.
Arrange building and pest inspections for properties you're seriously considering.
Develop your negotiation strategy based on market research and property specifics.
Prepare deposit funds to ensure they’re readily available when needed.
Understand your contract conditions and their implications for your purchase.
Your journey with Buyvest
At Buyvest, we're here to help you at every step of your journey. Our expertise and tailored advice can give you the confidence to make informed decisions and secure the best mortgage options for your needs.
Get in touch with Buyvest today to take the next step in your private treaty purchase. Let us guide you toward achieving your homeownership goals with the right financial strategy in place.
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Please note that the views and opinions expressed in this post are general information only, and this is not financial advice.
Any advice and information is provided by Buyvest Pty Ltd ABN 91 684 841 496, Australia Credit Licence No. 567392 and is general in nature, for educational purposes only and is not intended to constitute specialist or personal advice. This website has been prepared without considering your objectives, financial situation or needs. Therefore, consider the appropriateness of the advice for your situation and needs before taking any action. It should not be relied upon to enter into any legal or financial commitments. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy. If any financial product has been mentioned, you should obtain and read a copy of the relevant Product Disclosure Statement and consider the information contained within that Statement concerning your circumstances before deciding whether to acquire the product. You can obtain a copy of the PDS by emailing hello@buyvest.com.au. If you want to change your financial circumstances, such as applying for a loan, all loan applications are subject to credit approval.
All information on this website is subject to change without notice.
