Home Buyer & Builder Info

First Home Owners Grant

If you're building your first home, you could qualify for the First Home Owner Grant (FHOG), a one-off $10,000 payment from the Western Australian Government.

Please feel free to ask one of our friendly sales representatives if you need any assistance.

Stamp Duty Concession

First home buyers purchasing vacant land also receive generous stamp duty concessions from the Western Australian Government. It could mean that if you buy a homesite at Spires Estate Baldivis for up to $300,000, you'll pay no stamp duty and save almost $9,000!

Visit the Department of Communities and Housing website to view your options, and to see if you are eligible.

Getting Finance Pre-Approved

There are many finance options for you to choose from and it will depend upon your income and deposit.

If you speak to your bank home lender or mortgage broker to find out which loan is right for you, you could speed up your buying process by getting your finance pre-approved.

All you need is a letter confirming the amount you can borrow.

Choosing Your Baldivis Block

By visiting Spires Estate Baldivis, you will be able to experience first-hand all of the benefits of living in the thriving community of Baldivis.

Be sure to contact one of our Sales Representatives who can help you with any questions you may have, as well as assist you with choosing a home site that best suits your lifestyle and budget.

Titled or Untitled Land

When you select your new homesite at Spires Private Estate Baldivis, it may be titled or untitled.

Basically, a land title is a legal document that specifies the legalities and ownership of a block of land.

One of our Sales Representatives will be able to advise when titles are due to be issued so your settlement can be finalised.

Choosing a Settlement Agent

Choosing a settlement agent/solicitor to manage the necessary paperwork is part of your homebuying process. Essentially, their job is to assist you with the complex and time-consuming process of transferring the land title into your name.

For further information about choosing a settlement agent, please visit:

• https://www.commerce.wa.gov.au/consumer-protection/settlement-agents
• https://www.aicwa.com.au

Purchasing Your Land in Baldivis

To finalise the purchase of your chosen homesite at Spires Private Estate Baldivis, you will need to:

1. Complete an Offer and Acceptance Contract with your Spatial Property Group Sales Representative.
2. Provide your finance pre-approval letter.
3. Provide your settlement agent's details.
4. Handover a $1,000 deposit that will be held in a Trust Account until settlement is finalised.

Visit the Department of Commerce for further information about land sales contracts.

Visit Landgate for further information about buying and selling property.

Download brochure - "Sale by offer and acceptance".

Choosing Your Builder

Before you choose your builder, make sure you have considered the dimensions and orientation of your selected homesite, as well as the Building Covenants & Design Guidelines for Spires Estate Baldivis. Choosing your builder and designing your new home is the most exciting part of the homebuying process.

Before you begin the building process, visit the Australian Government's "Your Home" website for more information.

Visit the Master Builders Association of WA for information about choosing a builder.

Visit the Department of Commerce for information about building your house.

Choosing Where to Live

What is it about a suburb that is most important to you?

You need to consider some of these elements before you make a decision and move to a new neighbourhood:

1. What are your priorities?
2. What types of shops would you like in close proximity to where you live?
3. Which kind of park would you like nearby - i.e. to walk your dog?
4. Which types of schools would you like close by?
5. What types of views would you like?
6. Write a list of what's paramount for you in your everyday life and then choose a suburb that meets your lifestyle needs.

Getting Finance

Here are some handy tips to getting finance:

1. Save for at least 5% of your home deposit.
2. Determine how much you can borrow and what you can afford to pay.
3. Factor in 5-10% of your purchasing costs to cover fees, insurances and other expenses such as moving homes, furniture, appliances, utilities, rates and repairs.
4. Choose a home loan that best suits your circumstances; from fixed rate, to low doc, and variable rate. Discuss how these types of loans work with your lender or adviser.
5. Understand financial terminology; from honeymoon period, to offset account, to redraw and top-ups.

You can visit our Glossary of Terms to help you get better acquainted with financial lingo.

The Purchasing Process

This is a brief overview of the purchasing process:

1. Find your perfect home or homesite.
2. Pre-Contract - Obtain advice; legal, financial and other.
3. Contract Signing - Once you have obtained advice, and negotiated a deal, you can proceed with signing a contract.
4. Contract Conditions - You must ensure that if the contract is subject to any conditions, that you or the vendor meets them by the due date.
5. Pre-Settlement - Along with your settlement agent, it's important that you prepare financial and other requirements prior to settlement.
6. Settlement - Financial and other transactions are completed at settlement in exchange for property transfer documentation, including titles and mortgages.
7. Post-Settlement - The property is legally yours!