Buying your first home is the biggest financial decision most people ever make, and it is the one they are least prepared for. There are contracts full of clauses you have never seen, a Section 32 that runs to dozens of pages, a grant to claim, a stamp duty concession to apply, and a settlement date that does not move.
All Hours Conveyancing has guided first home buyers through this for more than 20 years and across more than 10,000 property transactions. We handle the legal side completely, so you can get on with the part that actually matters to you: finding the right home.
If you’re purchasing with finance, your lender will usually arrange the First Home Owner Grant application as part of the loan and settlement process. If you’re purchasing without finance (a cash purchase), we can prepare and lodge the application on your behalf as part of your conveyancing.
Where you may be entitled to a stamp duty exemption or concession, we’ll ensure the relevant information and documentation is considered as part of the settlement process and applied where appropriate.
Earlier than most people think.
The right moment is before you make an offer, not after. Once you have loan approval in principle and you have found a property you are serious about, that is when you send us the contract.
Making an offer before the contract has been reviewed is the single most common and most expensive mistake first home buyers make. Once you sign, your options narrow sharply.
You send us the Contract of Sale and Section 32. We review both and talk you through what we found.
With the contract understood, you bid or make an offer knowing exactly what you are buying.
We confirm the contract terms, deposit arrangements and settlement date are right for you.
We confirm your First Home Owner Grant and stamp duty concession position.
We conduct title and statutory searches and follow up anything that concerns us.
We work with your lender and broker so your funds are in place on the day.
We calculate the apportionment of rates, land tax and owners corporation fees, so you pay only for the period you actually own the property.
We settle electronically and confirm the transfer. Where we are lodging your grant application, we submit it as part of this process
Yours
The Contract of Sale and the Section 32 Vendor Statement are the two documents that decide whether this is a good purchase or an expensive one. The agent will provide both on request.
We go through them line by line and tell you, in plain English, what we find:
the vendor has added, and what they actually mean for you
that could affect what you are allowed to build
that could stop you renovating, extending, or even adding a carport or a pool
and whether past works were approved
running through the land
details, fees, and any pending special levies
attached to the property
and confirmation the vendor can actually sell
If you have plans for the property, tell us before we review. We will investigate whether those plans are possible.
If you buy by private sale in Victoria, you generally have a 3 business day cooling-off period after signing. There are exceptions, and buying at auction is one of them: there is no cooling-off period at auction.
Three business days is not long, and it is not a substitute for a proper contract review. It is a safety net, not a plan.
acting for Victorian property buyers
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Our founder, Shakila Maclean, is the current President of the Australian Institute of Conveyancers (VIC).
Property does not keep office hours, and neither do we.
Our office is at Level 1, 530 Little Collins Street, and we act for buyers across Melbourne CBD, East Melbourne, West Melbourne, Middle Park, St Kilda, Elwood, Fitzroy, Clifton Hill, Parkville and Ivanhoe.
You are not legally required to use one, but you are legally bound by whatever you sign. A first home buyer who reviews their own Section 32 is making a decision worth hundreds of thousands of dollars based on a document they have never seen before. The risk is not worth it.
Before you make an offer. Once you have loan approval in principle and a property you are serious about, send us the contract.
It depends on how you’re buying. If you’re purchasing with finance, your lender usually arranges the application as part of the loan and settlement process. If you’re purchasing without finance, we can prepare and lodge it on your behalf as part of your conveyancing.
It depends on the value of the property and whether you will live in it. Many first home buyers pay nothing. We confirm your eligibility and make sure the relevant information and documentation is considered as part of the settlement process.
Generally 3 business days for a private sale. There is no cooling-off period when you buy at auction.
Contact us and we will provide a fee proposal for your purchase.
Send us the contract and we will tell you what you are actually buying.
Why take a Risk on the biggest financial decision of your life?
We’re proud of the relationships we build and the trust we earn. We work tirelessly to ensure that your property transaction is completed efficiently and without hassle.
Level 1, 530 Little Collins St, Melbourne
info@allhoursproperty.com.au
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