Who’s who in a property purchase?

If you’re buying property for the first time, you may be a little confused about which professionals you’ll need on your team.

Surrounding yourself with a network of supportive experts could help make the buying process a lot smoother and stress-free.

Here’s who you are likely to encounter and how you can take advantage of their knowledge base.

Real estate agent

Hired by the vendor (or seller), the real estate agent helps market the property, answers questions from prospective buyers and oversees price negotiations. Their goal is to get the best result for the seller.

Unless you’re working with a private vendor, liaising with a real estate agent is a given.


Valuers inspect properties and give an independent valuation of their market value. This is based on the property, location and current market.

Getting a valuation is an important part of the loan application process. Lenders often engage an impartial valuer to assess the property, so that they know what loan amount may be warranted.


Most people need to borrow money from a lender, or financial institution, to fund their property purchase.

It might be a major bank, second-tier or non-major, or a specialist lender for more complex funding requirements.


The legalities of a property purchase are taken care of by a licensed and qualified conveyancer. If they are a solicitor, they may also offer legal advice.

Your conveyancer will prepare the paperwork to ensure transfer of ownership meets any legal requirements in your state or territory.

Building and pest inspectors

The last thing you want is to discover structural issues or unwanted guests post-purchase. Enter your building and pest inspector.

These professionals inspect the property and look for any issues that could cost you money in the long run.

If the property is still your dream home but needs some work, the building and pest report can prove to be a valuable bargaining tool.

Insurance companies

Buying a home or investment property is a high-value purchase and long-term financial commitment, so you need to think about insurance.

Insurance companies can help with all sorts of cover, from mortgage protection to property insurance.

Often finance brokers can line you up with insurance too, or put you on to a reputable insurance broker.

Finance Broker (that’s us!)

We can help you with finding the mortgage to most suit your unique financial circumstances, to overseeing the loan application process.

We will act as a liaison between you and the lender, negotiating a loan product that matches your needs.

Not only doing the legwork and ensuring your loan is processed as smoothly as possible, I’ll also be there to guide you through the entire process.

I can also assist with all sorts of things like insurance, renovation finance and debt consolidation.

Looking to get into the market?

The first step is to talk to us about your finance needs.

We’ll explain your borrowing capacity and organise pre-approval on your home loan. That way, you’ll be ready to negotiate with confidence when you do come across your dream home. Please get in touch today!

The material on this website has been prepared for general information purposes only and not as specific advice to any particular person. Any advice contained on this website is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs. Before making an investment decision based on this advice you should consider, with or without the assistance of a securities adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances. In addition, the examples provided on this website are provided for illustrative purposes only. Although every effort has been made to verify the accuracy of the information contained on this website, Infocus, its officers, representatives, employees and agents disclaim all liability (except for any liability which by law cannot be excluded), for any error, inaccuracy in, or omission from the information contained in this website or any loss or damage suffered by any person directly or indirectly through relying on this information.

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