Description
Selling, buying or developing property? Simpson Conveyancing's here to help - 'Simp'lifying property transfers. Wendy Simpson, Simpson Conveyancing Director and Licensed Conveyancer, has over 13 years conveyancing experience in regional Victoria with well over 5000 conveyancing transactions under her belt she has just about "seen it all". She is a wealth of information and knowledge and prides herself in providing a friendly, professional and prompt service together with clear and informed advice.
We recognise that many people are time poor in this fast paced world and how some clients appreciate the convenience of having someone come to them. Although the majority of a conveyancers work is done via the internet it is with the needs of clients in mind that Simpson Conveyancing offers a mobile conveyancing service, for those times when a physical meeting is required.
We are committed to providing a prompt professional, friendly and approachable service and dedicated to assisting clients make a safe and informed decision in what could quite possibly be the largest investment you will ever make.
Have you ever felt like your just another number or your on a “conveyor belt”. Like your conveyancer is just too busy to take your call? Or feel as though you are asking dumb questions? We appreciate that each client and matter is unique and has differing needs and requirements. We are therefore committed in providing a service according to the individual needs.
We are more than happy to answer any and all of your questions, no matter how silly you may think they are.
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Lets talk about payment of deposits and finance. When you sign a contract to purchase a property, a deposit (normally 10% of the purchase price) is required to be paid by you by a set date (provided in the contract of sale). As a deposit is refundable to you should you withdraw from the contract under any conditions in the contract (eg pest, buiding or finance approval), most people tend to not worry about paying the deposit until after all these conditions have been satisfied, or if at all. This can be a very big and costly mistake. If you do not pay the deposit by the due date under the contract you will be in "breach of contract". The general conditions of a contract provide that you are unable to withdraw from the contract under the finance clause whilst you are in "breach of contract". This means that not only do you risk incurring penalty interest on the unpaid deposit (currently 11.5% p.a) and being issued with Notice of Default (to which you would incur the Vendors representatives legal costs of issuing the same) you could also end up being in an unconditional contract. That is you would be bound to complete the purchase regardless of whether or not you had finance approval. You then risk the possiblity of ending up in Court incurring Solicitors and Barristers fees on top of any judgement made against you should you fail to settle. Risky business... So in summary - ensure you pay the deposit on or prior to the due date under the contract. If you do not have the funds to pay a 10% deposit you can always negotiate a lower deposit amount or pay the deposit by way of deposit bond/guarantee, however as this forms part of your offer it must be discussed in the negotiation process, before any contracts are signed, so that the Vendor can determine if they are willing to accept your (true) offer. If this is left until after contracts are signed the Vendor may insist that the full 10% is paid and you could be stuck in the above situation.
The Lucas Foundation
Love to support a great cause 😊
The Lucas Foundation Black Tie Ball - 2017
Proud to be supporting this great cause again this year 😊
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Simpson Conveyancing Pty Ltd
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Canberra property scam victim sues government for compensation
One of the main reasons the new Verification of Identity requirements was introduced is due to fraud. Although it can be a bit annoying to have to prove who you are - I'm sure this lady wished that her conveyancer and agents were more diligent in obtaining proof of identity. http://www.canberratimes.com.au/act-news/canberra-property-scam-victim-sues-government-for-compensation-20160623-gpqhwp.html
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Enjoying the fragrance of a beautiful bunch of flowers from another happy client 😊
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