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Why you need to pre-purchase a building inspection

You’ve just walked out of the perfect home. It has a fab shade of paint, the scent of jasmine and even a nook to read in the sun. You’re already baking muffins to take to your new neighbours. Whoa, slow down. There’s more to a great property than fancy light fittings. When you’re in the market for your first home, remember the property has been deliberately made to look its best. Sellers are showing their homes in the best possible light. They have washed, polished and spruced up. Fresh paint and buffed floors can hide many sins: illegal building work, dodgy wiring and damp are just some of the problems you may find underneath.

Buying a lemon can take a huge financial and emotional toll. Major repairs can leave you financially skewered, while the strain of not knowing what else might go wrong is hard to bear.

Getting a property inspection before you buy could save years of heartache. Here’s what the inspector will be looking for.

Danger could be lurking under the surface.

The fact that a power point technically works doesn’t mean it’s been done properly. Plenty of DIYers do their own handiwork. Sometimes that means staining a deck or hooking up a new doorbell, but it can mean electrical, plumbing or other work that’s been done outside the law.

A pre-purchase inspection should find the dodgy stuff before it puts you at risk.

You might have unexpected housemates.

Thought you’d left housemates in the past? They might be back if you decide to forgo the pre-purchase inspection.

It’s estimated that around one-in-four homes in Australia can be impacted by destructive pests like termites at some stage. Along with the damage they cause, many pests like mice and rats also carry disease, so you could end up sharing with someone pretty unsavoury.

Your new home could be showing its age.

If you fall for an ageing beauty, a building structure inspection could help to find any internal wear and tear. That might be things like wood rot, old wiring, mould, rusty pipes or general decay.

These sorts of issues are more than superficial. A decrepit building could leave you exposed to fire, collapse or worse.

It’s easy to miss the rest of the property.

You might feel like you have the house under control without an inspection. After all, you’ve done that thing where you tap your finger along the wall, and the carpets look like they’re in good nick.

But there’s more to a property inspection than the main building. You’re buying everything on the title – for better or worse. Your inspector’s pre-purchase building inspection checklist will include everything external, too: sheds and studios, gates and fences, driveways and mysterious holes in the ground (dinosaur bones?).

A “bad” report doesn’t mean it’s a no-go zone.

Don’t expect a blemish-free scorecard – the perfect property doesn’t exist. But it doesn’t have to mean saying goodbye.

The building inspection cost will be worth every cent when you buy with your eyes open. You could even have extra bargaining power when it comes to negotiating on price.

A pre-purchase pest/building report will identify all the problems affecting a property and the necessary work needed to bring the place up to scratch. At around $500, it’s a sound investment in the future of your most valuable asset. Get a building and best inspection before you commit and you can rest easy knowing you’re getting exactly what you paid for.

Your Choice Mortgage Brokers Pty Ltd ATF Halo Innovation Trust trading as Heart Mortgage Services - Australian Credit Licence 38643.

The information contained herein is of a general nature only and does not constitute advice. You should not act on any information without considering your personal needs, circumstances and objectives. We recommend you obtain professional financial advice specific to your circumstances. The views expressed here are not ours. While the information contained in this article may contain or be based on information obtained from sources believed to be reliable, it may not have been independently verified. Where information contained in this publication contains material provided directly by third parties it is given in good faith and has been derived from sources believed to be accurate at its issue date. To the maximum extent permitted by law: no guarantee, representation or warranty is given that any information or advice in this publication is complete, accurate, up to date or fit for any purpose; and no party or associated entities as mentioned is in any way liable to you (including for negligence) in respect of any reliance upon such information. This article may also contain links to websites operated by third parties who are not related to us. These links are provided for convenience only and do not represent any endorsement or approval by us.

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