Buying a house can seem like a daunting process —First you need to work out how much you can borrow. This is where our services will really help you. Make sure you have an accurate and detailed budget that takes into account all associated with purchasing a property, including stamp duty, council rates, and other fees. We can help you identify these extra costs. Ask us for our budget planner if you don’t already have one. Interest rates move constantly, so you will need to allow room in your budget for interest rate increases and for other unforeseen events. All purchase funds are paid at settlement. In the ordinary course of events, settlement takes place, the purchase price is paid in full and the deposit bond simply lapses group certificates for the past two years.