Your next property move

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Your buy checklist

A clearer path to buying.

State or territory

Five small steps. Work through them at your pace.

0 of 5 steps checked

Know your full budgetInclude the deposit, buying costs and ongoing bills.
Make this step useful
Do
Set a price limit that leaves money for duty, legal checks, inspections, moving and ongoing bills. Ask your lender what is approved and what remains conditional. Check assistance separately before counting it as money available.
Keep
A dated budget, lender conditions and expiry, quotes, and the official duty or scheme estimate you used.
Ask
Which costs must I fund myself, and what happens if repayments rise or the lender values the home lower?
Ask W about your buying plan Victorian private-sale buying guide , opens in a new tab ↗
Choose what matters mostPick three must-haves and three things you can compromise on.
Make this step useful
Do
Write down how you want to live: location, transport, accessibility, space and a realistic move date. Compare every home against the same needs. Ask about ongoing fees and restrictions before assuming a home can be used as you intend.
Keep
Your short needs list, travel observations, inspection notes and questions about shared-property costs, rules or future maintenance.
Ask
Do the title, shared-property rules or planning restrictions affect my intended use, and what should I check next?
Explore selected property projects Victorian private-sale buying guide , opens in a new tab ↗
Compare homes and evidencePut recent sales, inspection notes and ongoing costs side by side.
Make this step useful
Do
Compare homes with similar location, size, condition and sale dates. Separate an asking price from a completed sale. Ask which price and disclosure information applies to this sale, and record missing evidence before choosing your offer limit.
Keep
Comparable addresses and sale dates, dated advertisements, inspection notes, ongoing-cost estimates and written explanations of material differences.
Ask
Which sold homes support this price, and what condition, location or ongoing costs make these comparisons less useful?
Ask W a property-comparison question Victorian private-sale buying guide , opens in a new tab ↗
Check before you sign or bidReview finance, the contract, title and condition with the right professionals.
Make this step useful
Do
Appoint your own solicitor or conveyancer early. Arrange suitable building and other property-specific checks, and ask your lender what remains before final approval. Resolve important conditions before committing; an inspection or loan pre-approval does not guarantee every risk is covered.
Keep
Written legal advice, lender conditions and expiry, inspection reports with their exclusions, and your list of unresolved questions.
Ask
What protection does this contract give me, and what changes if I bid at auction or make an unconditional offer?
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Track dates and paymentsKeep contract deadlines, settlement and moving plans together.
Make this step useful
Do
Ask your representative to confirm what must happen, who is responsible and the exact deadline. Include finance, inspections, insurance, settlement and handover. Before transferring money, verify instructions using an independently known phone number rather than relying on an email alone.
Keep
Your confirmed timetable, advice and outcomes, independently verified payment instructions, receipts, inspection arrangements and handover notes.
Ask
Which deadlines or notice methods apply under my contract, and who confirms payment details and the final handover arrangements?
Ask W about organising your next step Victorian private-sale buying guide , opens in a new tab ↗

Opening your plan…

Each goal and location has its own checklist. Device saves use this browser only. Clearing browser data removes them.

Start with the source

Your Victoria guide.

Before signing or bidding, check the contract, Section 32 and the price document that applies. Sale method and date can change your rights.

Victorian private-sale buying guide ↗

First-home help: compare the options

Check duty relief separately from a new-home grant. Buyer history, residence, home value and the transaction all matter.

Victorian first-home duty help ↗

A smaller-deposit guarantee

Check whether a lender guarantee could help you buy with a smaller deposit.

Check this scheme ↗

The Australian Government 5% Deposit Scheme is a guarantee, not cash paid to you. Lender approval, the relevant deposit and property-cap rules still apply; you fund costs and repayments. Official source reviewed 3 October 2026.

Shared equity with Help to Buy

Compare a government ownership share and the obligations that come with it.

Check this scheme ↗

Help to Buy shares the home's value through government equity. Check current applicant, property, ongoing review and exit rules with a participating lender. It is not a free grant or a loan approval. Official source reviewed 3 October 2026.

Eligible voluntary super savings

Check whether First Home Super Saver could help with your deposit.

Check this scheme ↗

First Home Super Saver has contribution, determination, release and transaction-timing rules. Compulsory employer super is not freely withdrawable under the scheme. Check ATO requirements before relying on a release or signing. Official overview reviewed 3 October 2026.

Source and review

Planning links checked 3 October 2026. Source dates and access vary. Read the current official page before acting.

Official guidance was checked. Some pages do not display an update date; dates and exceptions differ by topic.

Source page date recorded: 2022-09-09.

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General planning information. Local rules and service availability vary. Your checklist helps you organise tasks; it does not assess legal compliance or give financial, credit, tax or legal advice.