The offer to purchase is a binding document between the home buyer and the home seller.

It lists the conditions required for the deal to go ahead. The conditions are subject to the sale of the property but must be fulfilled beforehand.

If either side pulls out of the deal there will be penalties, unless they do so because a condition listed by the offer to purchase has not been fulfilled, or a clause allowing for withdrawal has been activated.

Once the offer to purchase is signed, the home buyer can apply for a home loan. O-YES Home Loans can assist in this by submitting your home loan application to multiple banks, allowing you to compare the packages they offer in response and choose the one best suited to you.

We also offer a range of tools that can make the home-buying process easier.  Start with our Bond Calculator, then use our Affordability Calculator to determine what you can afford. Finally, when ready, you can apply for a home loan.