Stop,Renting,Why,Now,The,Perfe business, insurance Stop Renting! Why Now Is The Perfect Time To Buy A New Home
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With Australia's housing market in a solid state of recovery, there's never been a better time to look into purchasing a new house. After all, the real estate market has shown solid increases through the first quarter of 2013. With house prices on the upswing, it's smart to buy now and take advantage of low prices with the assurance that the home will increase in value. The best option of all is a brand-new house. New structures offer families an opportunity to select a design and floor plan best suited to their needs as well as the ability to customise the house. After all, there is only so much that can be done to a rental! If home ownership is on the horizon, why not make it a home that is truly your own? Buy A New House Or Rent?To be fair, renting a residence does have its advantages. For one thing, it eliminates many maintenance costs for residents. Structural problems, electrical and plumbing repairs, and other big expenses are borne by the landlord rather than the tenant. In addition, for anyone who needs a temporary residence, it makes much more sense to find a short-term rental than to buy. But keep in mind that renting has plenty of limitations as well. Privacy is compromised since the landlord could visit at any time. If there are any features of the house that could use some improvement, the tenant's only real option is to bring it up with the landlord and hope that something is done. And don't forget that at the end of the day, the tenant is financing the owner's capital gains with every rent cheque. Buying a house ensures that not only is that space yours alone, but you are improving your own finances rather than someone else's. Buying a new home also means that everything in it is brand-new and in tip-top shape, without any major repairs or renovations needed. Not only that, but a good builder will be able to customise the home to the buyer's specifications, so that the home is truly yours. And if you ever decide that something around the house needs changing, feel free to do whatever you like!A Checklist For First-Time BuyersOnce a first-time buyer has made the decision to get out of the rental game and buy a new home, talking with the builder is very exciting. The possibilities seem endless, especially for first home buyers. This handy checklist is a useful tool to help get organised and make sure that all the options have been considered. Factors to think about include:* Finances: Make sure you can afford to buy with your current income.* Credit ratings: Check your credit report to make sure there are no errors that could hold up financing. * Interest rates: Shop for affordable mortgages at a few different financial institutions to compare rates.* Loan types: There are a variety of mortgage loans available; find the best one for you.* Mortgage approval: After selecting a lender, fill out an application for pre-approval so that you know how much money you have to work with. * Features: Know ahead of time which features of the house are important to you and your family. For example, do you need covered parking? A large garden? A swimming pool? * Floor plan: Make sure the house has enough space both for now and for the future. * Colour scheme: Once the home is built, it will need to be painted! Look through the builder's portfolios and decide which colours you prefer.* Inspection: Even new houses should be inspected once construction is completed to make sure there are no structural issues.* Moving: Will you take care of it yourself or hire movers? Don't forget to budget for this, since it can be expensive.There's No Time Like The Present With the Australian real estate market showing significant signs of recovery, the best time to buy your new home is now. Before prices (and interest rates) increase, you can invest in your family's future by working with a builder today. Buying a new home rather than renting empowers families to create their own sanctuary and provides a long-term investment. While renting may seem simpler, owning your own property offers undeniable advantages, and now is the perfect time to make that dream a reality.
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