Four ways to sell your property faster | Your Finance Adviser

If you’re looking at upgrading or downgrading and you’re thinking about putting your property on the market, then it’s important to do everything you can to make it appealing to attract as many buyers as you can.

The more interest you can get, the quicker the property will likely sell – ideally with as many bidders as possible.

Here are four ways to sell your home faster.

Price the property correctly

In the real estate world, it’s said that if a home doesn’t sell within 30 days, then it’s likely priced too high.

Ultimately, the market will give you the best feedback. For a vendor, the best thing you can do is speak to a number of agents in your area who specialise in selling your type of property.

Local agents are on the pulse of the market in your area, and they know what a property is worth.

When you can get a clear idea of what its true value might be, then you can work with an agent to create the right marketing strategy. It’s about attracting buyers while also maximising how much can sell the property for. YFA can helps customers with commercial property finance and other loans to help them become homeowners successfully.

Declutter, clean, and style your property

It goes without saying that you need to present the property as well as you possibly can.

Most home buyers are looking for a property they can move into and live in with as little fuss as possible.

You want to clean out as much clutter as you can which will help make the property look more spacious and appealing. It will also help the property photograph well. If you don’t like your current furniture, you can even style the property differently to give it the very best chance of appealing to the broadest range of buyers.

Repairs and curbside appeal

When you sell a property it’s well worth taking care of any issues beforehand. If you don’t, you’re likely going to have to deal with them at some stage and by ignoring them, you could end up attracting fewer buyers.

The same thing goes for your garden and exterior. The first thing a would-be buyer sees is the front entrance and garden. This can be a make-or-break moment for most buyers and the more work you put into making it as appealing as possible, the better the result in many cases.

Accommodate buyers

When trying to sell a property it’s important to get as many people through it as possible. Therefore, you need to be able to accommodate buyers as much as you can.

If you, or your tenants, are living in the property, it can be extremely challenging, and you’ll need to find a way to work with your sales agent to best manage the situation.

If possible, facilitate buyers coming through a property whenever suitable and also look at doing things like previews and pre-listing opens. This will help as you try and get as many people through your doors, while also gauging what the market is thinking about the asking price.

YFA – Trusted Name for Commercial Property Finance

We are a leading financial advisor that helps its customers achieve financial goals with ease. Our team works with full honesty and integrity, to identify the options that helps them to meet their objectives with minimal hassles.

So, whether you are looking for commercial property finance or SMSF property loan, our team can surely help you with the best option. Thaks to our customer we have won awards and accolades for our services.

Want to know more about SMSF property loan?

Speak to our property loan advisor now!

Phone: 1300 YFA BROKER (932 276)
Email: enquiries@yourfinanceadviser.com.au

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    Westpac

    $2,000 Refinance Cashback: For new refinance applications received between 23 September 2019 to 30 September 2020 and settled by 30 November 2020.

    Eligibility

    • Offer current as at 23 September 2019.
    • Offer available on the Premier Advantage Package and Flexi First Option Home Loans for Owner Occupier with Principal and Interest repayments and all Investment Loans.
    • Offer may be varied or withdrawn at any time.
    • $250k min loan per property refinanced.
    • Only 1 cashback per property refinance will be paid regardless of the number of loans involved.
    • Excludes Portfolio Loans, switches and refinances of home loans within the Westpac Group which include St.George, Westpac, Bank of Melbourne, BankSA and RAMS.
    • Offer not available for Owner Occupier Interest Only loans or residential lending originated under family or company trusts.
    • Applicants must have a Westpac Choice transaction account linked to the home loan at the time of settlement and must keep this account open for 60 days after settlement.
    • The cashback will be automatically deposited into this account within 60 days after settlement.

    Owner Occupied Loan

    Offering a Refinance Cashback of $2,000 to customers who refinance their home loan from another financial institution to St George. Excludes Portfolio Loans, switches, and refinances of home loans within the Westpac Group which include Westpac, Bank of Melbourne, BankSA and RAMS.

    For new refinance applications received between 1 April 2020 to 30 September 2020 and settle by 30 November 2020. This offer is not available for Bridging Loans.

    Eligibility

    • Credit criteria, fees and charges apply. Terms and conditions available at St.George
    • Offer available on the Advantage Package and Basic Home Loans for Owner Occupier with Principal and Interest repayments and Investment Loans.
    • Offer current as at 1 April 2020.
    • Offer may be varied or withdrawn at any time.
    • $250k min loan per property refinanced.
    • Only 1 cashback per property refinance will be paid regardless of the number of loans involved.
    • Offer not available for Owner Occupier Interest Only loans or residential lending originated under family or company trusts.

    Criteria

    • The cashbacks will be paid into a St.George transaction account within 60 days of settlement.
    •  The transaction account must be linked to the home loan at the time of settlement and kept open for 60 days after settlement.
    • Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters.

    Notes

    • St George do have an online ONLY offer of $3,000 cash back for the first refinance Application.  Please note, this can be approved through BDM.

    First Home Buyer Lenders Mortgage Insurance (LMI) Offer5

    Offer details

    • For eligible first home buyers with a Loan to Value Ratio (LVR7) up to 85%, the LMI will be reduced to only $1.00.
    • This offer is not an LMI waiver and clients will be charged $1.00 for LMI which will be reflected in their Loan Offer Documents.
    • The offer is available on eligible home loan applications submitted from Monday 13 July 2020 and can be withdrawn or varied at any time.
    • Clients must adhere to LMI obligations during the loan agreement. The LMI factsheet will also be issued to the customer along with the other Loan Offer Documents.
    • Clients are not required to be receiving the First Home Owner Grant to be eligible for the First Home Buyer LMI Offer.
    • First Home Buyer Flag must be selected within Apply Online and notes section to include instructions to apply First Home Buyer LMI Offer. For more information, refer to the training pack on the secure portal.
    • Available with the Basic Home Loan and the Advantage Package6 Home Loan, both Fixed and Variable rate ($395 annual package fee applies).

    Eligibility criteria:

    • Applications must be for a first home loan for a first property (for joint applications, only one applicant must be a first home buyer).
    • Loans with an LVR7 up to 85% at the time of formal approval.
    • Owner Occupier with Principal and Interest repayments only.
    • Maximum loan size of $850,000.
    • Only one property to be financed per application.
    • Available for applications submitted from Monday 13 July 2020.

    Loans not eligible:

    • Owner Occupier with Interest Only repayments.
    • All Residential Investment Home Loans.
    • Portfolio Loans.
    • Construction Loans.
    • Offer not available in conjunction with the Family Pledge option.
    • Residential lending originated under family or company trusts.
    • Switches and internal refinances of home loans within the Westpac Group which include St. George, Bank of Melbourne, Westpac, BankSA and RAMS.

    Suncorp

    Offering a Refinance Cashback of $2,000 ($250k - $749k ) and $3000 ($750k+) to customers who refinance their home loan from another financial institution to Suncorp.

    Applications must be submitted before Wednesday 30 September, 2020, with loans funded by Tuesday 29 December, 2020. Minimum refinance amount $250,000. This offer is not available for Bridging Loans.

    Eligibility

    • Owner Occupied Home Loans; and
    • All Investment Home Loans; and
    • All Lines of Credit.

    Criteria

    • To be eligible, the approved loan/s must satisfy the following
    • Regulated Retail Home Lending
    • Minimum new home loan amount of $250,000, with the purpose of Refinance from an external financial institution
    • Application fully received before the 30th of September 2020
    • Settlement on or before the 29th of December 2020
    • Standard Variable, Back to Basics Variable and Fixed Rate Home Loans
    • Loan to Value Ratio (“LVR”) including Lenders Mortgage Insurance (“LMI”) is less than or equal to 90%

    Note

    • Personal/Owner Occupied & Investment lending
    • Principal and Interest or Interest Only
      • Annual Fee Offers

        • Home Package Plus: 1 x Annual Package Fee Waiver
          • Waivered for the first year – save $375. The first annual package fee is waived for new Home Package Plus customers only with new lending of at least $150,000.
        • Home Package Plus for first Home Buyers: Ongoing Annual Fee Waiver
          • For First Home Buyers, we’ll refund the $375 annual Home Package Plus fee for the life of the loan saving you up to $11,250 over a 30 year term. Applicable for Owner Occupier First Home Buyers who have never previously purchased a property. An eligible home loan has minimum new home lending in the Home Package Plus of $150,000 or more
          • Refinance Cash Bonus Offer (1) – how much is the customer eligible for?

            • >= $250,000 will receive $2,000, or
            • $750,000+ will receive $3,000

            Frontline Extra Cash Bonus Offer (2) – for eligible occupations

            • >= $250,000 will receive a total of $3,000 or;
            • $750,000+ will receive a total of $4,000

    ANZ

    Effective 1 June 2020, ANZ home loans eligible customers who are refinancing $150,000 or more from another lender (which may include some additional new lending), a cashback amount of upto $3,000 will be available. See below for details

    Eligibility criteria

    • Loan amount refinanced: at least $150,000 but less than $250,000 - $1,200 cashback
    • Loan amount refinanced $250,000 or more - $3,000 cashback

    Dates:

    • Loan applications must be submitted by 23 November 2020
    • Loans must be drawn down by 22 January 2021

    Eligible home loans

    • ANZ Standard Variable Rate Loan;
    • ANZ Fixed Rate Loan;
    • ANZ Simplicity PLUS Loan;
    • ANZ loan product which permits a borrower to draw down credit progressively for the purchase and/or construction of a property or a home;
    • ANZ bridging loan;

    Exclusions

    • Equity Manager
    • Other lines of Credit
    • Non-Credit Critical (NCC) Applications
    • Internal ANZ Refinances (e.g. New Loan containing the same borrower(s))
    • Credit Cards and Personal Loans

    Conditions

    • Must include an OFI Home/Residential Investment Loan
    • 1 cash back offer per customer within any 12-month period
    • This switching cashback offer is not available in conjunction with any other advertised switching offers (but is available in conjunction with any special interest rates discounts available to the customer)
    • Cash back account: Must be an ANZ Transaction Account (cannot be OFI/Cheque)

    Note

    Important note: ANZ's home loans switching cashback discretion can be varied by ANZ from time to time and may be withdrawn at any time.

    First home buyer conveyancing rebate

    Up to $1,000 rebate for eligible first home buyers (including recipients of State or Territory government first home buyer concessions) with home loans over $250,000.

    Apply by 30 September 2020 and draw down by 31 December 2020. Eligibility criteria and T&Cs apply.

    Eligibility

    • Offer is only available to eligible First Home Buyers (including recipients of a government First Home Owner Grant and/or first home buyer stamp duty concession and apply for an eligible ANZ loan [refer to www.firsthome.gov.au for eligibility details of the State or Territory government First Home Owner Grants and stamp duty concessions.]).
    • Offer available only on application and is limited to one rebate of up to $1,000 per single property purchase for eligible First Home Buyers who take out an eligible ANZ Loan for an owner occupier purpose.

    Other Conditions

    • To enable reimbursement of conveyancing fees, you must hold an ANZ Access Advantage or ANZ One account at draw down.
    • Offer is not available in conjunction with or in addition to any other offer, discount or benefit unless specifically advised by ANZ in writing.
    • Offer may be altered or withdrawn by ANZ at any time.
    • For full terms and conditions of the offer, contact any ANZ branch or ANZ Mobile Lender.
    • All applications for credit are subject to ANZ’s credit approval criteria.
    • Terms and conditions apply and are available on application.
    • Fees and charges and eligibility criteria apply.

    BOQ

    Cashback Offer for customers refinancing their existing lending to BOQ, meaning eligible customers will be able to take advantage of the $2,500 cashback.

    The end date for applications to be received is Saturday, 26 September 2020, with loans required to settle by Saturday, 12 December 2020.

    Eligibility

    • Personal customers taking out a new home loan with BOQ
    • The loan is refinanced to BOQ from another financial institution (excluding Virgin Money and BOQ Specialist)
    • Applications need to be submitted through ApplyOnline (and supporting documents received) on or after Wednesday, 17 June 2020 and on or before Saturday, 26 September 2020
    • Loans must settle prior to Saturday, 12 December 2020
    • Minimum new lending of at least $250,000 with maximum LVR of 70%
    • Lending must be flagged with refinance purpose on the loan application.

    All customers will be paid the cashback, provided the lending meets the eligibility criteria outlined above. Provided customers have opened a BOQ transaction account the cashback will be paid to the account within 30 days of the loan settlement.

    Note

    Special limited time $2,500 cashback offer only available for new refinance applications received between 17 June 2020 and 26 September 2020 (inclusive) and that settle by 12 December 2020. This offer is open to Australian residents aged 18 and over who are personal customers taking out a new home loan with BOQ, refinanced from another financial institution. Offer available on BOQ’s Clear Path, Economy, Intro Rate, or Fixed Rate home loan products only. Minimum total new lending of at least $250,000. Maximum loan-to-value ratio (LVR) of 70%. Not available for the refinance, restructure or switches of home loans within BOQ Group, which includes BOQ, Virgin Money (Australia) and BOQ Specialist. An applicant will be eligible for a maximum of one cashback payment during the offer period, regardless of the number of loan applications they are party to, provided the total amount drawn at settlement across all loans is at least $250,000

    CBA

    Offering a Refinance Cashback of $2,000 to customers who refinance their home loan from another financial institution to CommBank.

    Applications must be submitted before Saturday 31 October 2020, with loans funded by Thursday 31 December 2020. Minimum refinance amount $250,000. This offer is not available for Bridging Loans.

    Eligibility

    • Owner Occupied Home Loans; and
    • All Investment Home Loans; and
    • All Lines of Credit.

    Criteria

    • Owner Occupied Interest Only are eligible if funded on or from 7 April 2020.
    • Customers must refinance their eligible Home/Investment Home Loan from an OFI.
    • The refinance amount from the OFI must be $250,000 or more. New money and Top Up applications are not included in the $250,000.
    • Refinancing of an existing CommBank or Bankwest Home/ Investment Home Loan is not eligible for this offer.
    • Limit of one $2,000 cashback payment per borrowing entity and per customer over a 12-month period.
    • We will credit the $2,000 cashback amount only to a CommBank Transaction Account within two weeks of loan funding.
    • We will not combine the $2,000 cashback offer with our MAV fee waiver.

    Note

    • This offer is not available for Bridging Loans.
    • We reserve the right to terminate the offer at any time.