Property Buying Guides
Expert guides to help you understand your Contract of Sale and Section 32
Showing 24 of 115 guides.
First Home Buyer Schemes in Victoria 2026: Every Stamp Duty Concession, Grant, and Loan Program
The complete list of stamp duty exemptions, grants, and federal programs available to Victorian first home buyers in 2026 — eligibility, stacking rules, and what affects each program in your Section 32.
The 10 Most Expensive First Home Buyer Mistakes in Victoria (and How to Avoid Each One)
The 10 contract-level mistakes that cost Victorian first home buyers the most money — with dollar impact ranges and the specific Section 32 check that prevents each.
First Home Buyer Timeline in Victoria: Week-by-Week, From Pre-Approval to Keys
The Victorian first home buyer journey mapped phase by phase — pre-approval, inspections, contract signing, cooling-off, conditions period, settlement on PEXA, and post-settlement.
Victoria's Public Selective Schools: A Buyer's Guide to Areas, Commute, and Property
Where Victoria's four selective entry high schools are, what makes their property markets distinctive, and the Section 32 considerations specific to each surrounding suburb.
APS Schools in Victoria: Property Implications of Buying Near Melbourne's Associated Public Schools
The 11 APS schools, the suburbs they operate in, and the Heritage Overlay, owners corporation, and tax considerations that come with property in those precincts.
What is a Section 32? A Plain English Guide for Victorian Property Buyers
Everything you need to know about the Vendor's Statement — what it contains, why it matters, and what to look for before you sign.
5 Red Flags in Vendor's Statements That Could Cost You Thousands
These are the issues most buyers miss — and most solicitors charge hundreds to find. Learn what to look for before your next open inspection.
First Home Buyer's Guide to Section 32 and Contracts of Sale
Buying your first property in Victoria? Here's everything you need to understand about the paperwork — explained without the legal jargon.
What is a Contract of Sale? Understanding Your Property Purchase Agreement
The contract of sale is what you actually sign when buying property. Here's what every section means and what to watch out for.
The Hidden Costs of Buying Property in Victoria (Beyond the Purchase Price)
Stamp duty is just the beginning. OC fees, special levies, building inspections — here's the full breakdown of what buying really costs.
Owner's Corporation Fees Explained: What Every Apartment Buyer Needs to Know
OC fees, special levies, sinking funds — what they mean, how much they cost, and the red flags to watch for in the OC certificate.
Cooling-Off Period in Victoria: Your Rights After Signing a Contract
You have 3 business days to change your mind — but there are exceptions. Here's exactly how the cooling-off period works and when it doesn't apply.
Victorian Stamp Duty: How Much Will You Pay? (2025 Rates & Calculator)
A complete guide to land transfer duty in Victoria — current rates, first home buyer exemptions, and how to calculate exactly what you'll owe.
12 Questions to Ask Your Solicitor Before Buying Property
Don't go into your solicitor meeting unprepared. These are the questions experienced buyers ask — and the answers you need to hear.
Buying at Auction in Victoria: What You Need to Know (and Do Before Bidding)
No cooling-off period, no subject-to-finance — auction rules are different. Here's how to prepare so you don't get caught out.
The Complete Due Diligence Checklist for Victorian Property Buyers
Consumer Affairs Victoria requires this checklist for every property sale. Here's every item you should check — and how to actually do each one.
The Settlement Process in Victoria: A Step-by-Step Timeline
From signing the contract to getting the keys — here's exactly what happens during settlement, who does what, and what can go wrong.
Easements, Covenants, and Restrictions on Title: What They Mean for Your Property
Your title search shows an easement or restrictive covenant. Should you worry? Here's what each type means and how it affects what you can do with the property.
Do You Need a Building Inspection Before Buying? What It Covers and What It Costs
A building inspection can save you from a money pit — but it can also be a waste if you don't know what to look for in the report.
Special Conditions in a Contract of Sale: What to Add, What to Watch For
Subject to finance, subject to building inspection, sunset clauses — special conditions can protect you or trap you. Here's how to get them right.
Planning Zones and Overlays in Victoria: How They Affect Your Property
Heritage overlay? Bushfire zone? Flood overlay? What your planning certificate means for renovations, development, and insurance costs.
Buying Off the Plan in Victoria: Risks, Rights, and Red Flags
No cooling-off period after 3 days, sunset clauses that let developers walk away, and deposits at risk — what you need to know before committing.
Conveyancer vs Solicitor: Which Do You Need When Buying Property in Victoria?
Both can handle your property settlement — but they're not the same. Here's when you need a solicitor, when a conveyancer is enough, and what each costs.
What is PEXA? How Electronic Settlement Works in Victoria
Most Victorian settlements now happen on PEXA — not in a room with lawyers swapping cheques. Here's how the digital process works and what it means for you.
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Section 32 (23)
- What is a Section 32? A Plain English Guide for Victorian Property Buyers
- 5 Red Flags in Vendor's Statements That Could Cost You Thousands
- Easements, Covenants, and Restrictions on Title: What They Mean for Your Property
- How to Read a Property Title Search: A Buyer's Guide
- What Must a Vendor Disclose in Victoria? (And What They Don't Have To)
- 10 Body Corporate Red Flags to Check Before Buying an Apartment
- Courtyard Licence vs Ownership: What Apartment Buyers Must Know
- How to Check Planning Overlays and Zones on a Victorian Property Yourself
- OC Lease vs Licence vs Exclusive Use: How Apartment Buyers Decode Common Property Rights
- Buying at a Mortgagee in Possession Sale in Victoria: Discounts, Risks, and What's Stripped Out of the Section 32
- Caveats on Title: When to Worry, When They're Routine, and How to Negotiate Around Them
- Combustible Cladding Rectification: $50k–$200k Special Levies on Apartment Buyers
- Methamphetamine Contamination in Victorian Property: Detection, Disclosure, and $30k–$120k Decontamination Costs
- Buying Property Near High-Voltage Transmission Lines: Easements, Valuation, and Future Buyer Pool
- Restrictive Covenants and MCPs in Victorian Property: What They Restrict and How to Remove Them
- Buying Property Near a Victorian Airport: ANEF, Aircraft Noise Overlay, and the Building Control Area
- Buying Property Near a Railway Corridor: Noise, Vibration, and Section 173 Attenuation
- Buying a Crown Land Leasehold Property in Victoria: Coastal Shacks, River Cabins, and the Term Remaining
- Buying Property with an Environmental Audit Overlay (EAO): Certificates, Statements, and Remediation Costs
- Flood Overlays in Victoria: LSIO vs SBO vs Floodway Compared
- Buying a Residential Apartment in a Mixed-Use Building: Stratum Subdivision, Two OCs, and Commercial Tenant Risks
- Buying Property Near a Freeway or Major Road: Noise, Vibration, and Valuation Impact
- How Long Is a Section 32 Valid? Expiry, Stale Certificates, and Auctions
Contract of Sale (9)
- What is a Contract of Sale? Understanding Your Property Purchase Agreement
- Special Conditions in a Contract of Sale: What to Add, What to Watch For
- Subject to Finance Clause: How It Protects You (and When It Doesn't)
- What Happens When a Property Contract Falls Through in Victoria?
- Sunset Clauses in Victorian Property Contracts: How They Work and How to Protect Yourself
- Sunset Clauses and Off-the-Plan Rescission: How the 2019 Reform Protects Buyers
- Section 27 Deposit Release: When the Vendor Can Access Your 10% Deposit Before Settlement
- Cooling-Off Waiver Under Section 31: When Buyers Should Refuse to Sign
- Free vs Paid vs AI Contract Review: What You Actually Get
First Home Buyer (21)
- First Home Buyer Schemes in Victoria 2026: Every Stamp Duty Concession, Grant, and Loan Program
- The 10 Most Expensive First Home Buyer Mistakes in Victoria (and How to Avoid Each One)
- First Home Buyer Timeline in Victoria: Week-by-Week, From Pre-Approval to Keys
- Victoria's Public Selective Schools: A Buyer's Guide to Areas, Commute, and Property
- APS Schools in Victoria: Property Implications of Buying Near Melbourne's Associated Public Schools
- First Home Buyer's Guide to Section 32 and Contracts of Sale
- Buying at Auction in Victoria: What You Need to Know (and Do Before Bidding)
- Do You Need a Building Inspection Before Buying? What It Covers and What It Costs
- Buying Off the Plan in Victoria: Risks, Rights, and Red Flags
- Pest and Termite Inspections: What Every Victorian Buyer Should Know
- First Home Owner Grant Victoria 2026: Am I Eligible? How Do I Apply?
- How to Negotiate a Property Price in Victoria: A Buyer's Playbook
- Buying a Ground Floor Apartment in Victoria: Pros, Cons, and Contract Traps
- 15 Auction Tips Every Victorian Buyer Should Know Before Bidding
- Property Passed In at Auction: What Happens Next and How to Negotiate
- Buying an Apartment Courtyard: A Pricing, Negotiation and Conversion Playbook
- Buying a Battle-Axe (Panhandle) Lot in Victoria: Easements, Pricing, and Contract Checks
- Vic Homebuyer Fund Explained: Shared Equity Mechanics, Capital Gain Sharing, and Eligibility
- Federal Home Guarantee, Help to Buy, and Vic Homebuyer Fund: Three Schemes Compared
- Pre-Purchase Building Inspection Types: Standard, Pest, Structural, Dilapidation
- Family Guarantor and Parental Pledge Loans: How They Work and the Risks to Both Sides
Costs & Fees (20)
- The Hidden Costs of Buying Property in Victoria (Beyond the Purchase Price)
- Victorian Stamp Duty: How Much Will You Pay? (2025 Rates & Calculator)
- Conveyancer vs Solicitor: Which Do You Need When Buying Property in Victoria?
- How Much Deposit Do You Need to Buy Property in Victoria?
- Land Tax in Victoria: Who Pays, How Much, and How to Check
- Windfall Gains Tax Victoria: What Property Buyers and Sellers Need to Know
- GAIC Explained: Growth Areas Infrastructure Contribution in Victorian Property
- Embedded Electricity Networks in Apartments: The Hidden Cost That Adds Thousands Over Your Ownership
- FIRB Approval for Foreign Buyers in Victoria: Restrictions, Costs, and the 2025–2027 Existing-Dwelling Ban
- Buying a Property with Solar Panels: Ownership Structures, Feed-in Tariffs, and PPA Contracts
- Vacant Residential Land Tax (VRLT): The 2025 Statewide Expansion and Buyer Implications
- Capital Gains Tax on Investment Property: Main Residence Exemption, 6-Year Rule, and Foreign Resident Withholding
- Victorian Land Tax 2024: Thresholds, Aggregation, and the Surcharges That Stack
- First Home Buyer Stamp Duty Exemption and Concession: Saving up to $40,000 in Victoria
- Pensioner Stamp Duty Concession: Up to $14,500 Saving for Victorian Pensioners
- Off-the-Plan Stamp Duty Concession: 2024–25 Reform Lets Investors Save Too
- Bridging Loans: Buy-Before-Sell Mechanics, Costs, and the Risks Most Borrowers Underestimate
- GST on Property in Victoria: When It Applies, the Margin Scheme, and Buyer Withholding
- Negative Gearing and Property Depreciation: Division 40 vs Division 43 Explained
- How Much Does a Section 32 Review Cost in Victoria? (2026 Prices)
Legal Guide (41)
- Owner's Corporation Fees Explained: What Every Apartment Buyer Needs to Know
- Cooling-Off Period in Victoria: Your Rights After Signing a Contract
- 12 Questions to Ask Your Solicitor Before Buying Property
- The Complete Due Diligence Checklist for Victorian Property Buyers
- The Settlement Process in Victoria: A Step-by-Step Timeline
- Planning Zones and Overlays in Victoria: How They Affect Your Property
- What is PEXA? How Electronic Settlement Works in Victoria
- Strata vs Freehold: What's the Difference and Why Does It Matter?
- Common Property vs Your Lot: What You Actually Own in an Apartment
- Private Sale vs Auction: Which Is Better for Buyers in Victoria?
- Buying by Expression of Interest (EOI): How It Works in Victoria
- Off-Market Properties in Victoria: How to Find Them and What to Watch For
- Section 27 Rescission: When You Can Walk Away From a Property Contract in Victoria
- The Fenced-In Common Property Trap: When Your 'Backyard' Belongs to the Owners Corporation
- Renovating an Apartment Courtyard in Victoria: Approvals Map for Decks, Pergolas, Sheds and Hot Tubs
- Buying a Deceased Estate Property in Victoria: Probate Timing, Family Provision Risk, and What to Expect
- Shared Driveways and Right-of-Carriageway Easements: Maintenance, Disputes, and Buyer Due Diligence
- Section 173 Agreements: The Hidden Restrictions on Your Title (and What Each Type Costs You)
- Buying a Property with a Pool in Victoria: Registration, Compliance, and the True Cost
- Buying Property Through an SMSF in Victoria: LRBA, Sole Purpose Test, and Contract Pitfalls
- Buying a Tenanted Property in Victoria: Vacant Possession, Bond Transfer, and Inheriting an Existing Tenancy
- Reactive Soil and Subsidence: AS2870 Soil Class, Slab Heave, and Underpinning Costs in Victoria
- Buying a Property With Unpermitted Building Works: Detection, Resolution, and Buyer Protection
- Buying a Heritage-Listed Property in Victoria: Three Protection Layers and the Real Cost
- Buying or Selling Property Through a Power of Attorney in Victoria
- Buying Rural Lifestyle or Farmland Property in Victoria: Water Rights, Planning Zones, and Bushfire Risk
- Buying a Property With a Granny Flat or Dependent Person's Unit (DPU)
- Buying Property Through a Family or Discretionary Trust in Victoria: Stamp Duty Traps and Lender Hurdles
- Buying an Owner-Builder Property in Victoria: The 6.5-Year Disclosure Window and the DBI Gap
- Buying a Retirement Village Unit in Victoria: Entry Fees, DMF, and the True Lifetime Cost
- Manufactured Home Parks in Victoria: Site Rent, Security of Tenure, and Resale Constraints
- Domestic Building Insurance (DBI): What's Covered, What's Not, and the $300,000 Cap
- Underquoting and the Statement of Information: How to Spot It and What to Do
- Bushfire Attack Level (BAL) Construction Costs: From BAL-LOW to BAL-FZ
- Significant Trees on Victorian Property: Removal Permits, Tree Protection Zones, and Construction Implications
- AML/CTF and Source of Funds: How Documentation Affects Your Property Settlement
- Pets and Property in Victoria: OC Rules, Tenant Rights, and the End of Blanket Bans
- Joint Tenancy vs Tenancy in Common: How Co-Buyers Should Hold Property in Victoria
- Building Defect Dispute Resolution: DBDRV, VCAT, and Statutory Warranties
- Apartment Short-Stay (Airbnb) Restrictions: OC Rules, Council Permits, and the 7.5% Levy
- Defective Section 32: When Can You Pull Out of the Contract?
Settlement (1)
Suburb Guide (475)
- Elwood
- South Yarra
- Brunswick
- Richmond
- Point Cook
- Brighton
- Fitzroy
- Williamstown
- Newport
- Frankston
- Doncaster
- Balwyn
- Kew
- Werribee
- Tarneit
- Hawthorn
- Camberwell
- Prahran
- Windsor
- St Kilda
- Carlton
- Preston
- Northcote
- Thornbury
- Coburg
- Box Hill
- Blackburn
- Glen Waverley
- Toorak
- Malvern
- Armadale
- Mornington
- Mount Martha
- Rosebud
- Mentone
- Parkdale
- Craigieburn
- Mickleham
- Wollert
- Mordialloc
- Caulfield
- Elsternwick
- Bentleigh
- Essendon
- Moonee Ponds
- Yarraville
- Footscray
- Ivanhoe
- Heidelberg
- Sorrento
- Dromana
- Surrey Hills
- Canterbury
- Ashburton
- Hawthorn East
- Deepdene
- Glen Iris
- Mont Albert
- Burwood
- Mitcham
- Forest Hill
- Box Hill North
- Vermont
- McKinnon
- Ormond
- Carnegie
- Murrumbeena
- Gardenvale
- Bentleigh East
- Caulfield North
- Caulfield South
- Hampton
- Sandringham
- Black Rock
- Beaumaris
- Collingwood
- Abbotsford
- Clifton Hill
- Burnley
- Cremorne
- Princes Hill
- Fitzroy North
- Albert Park
- Middle Park
- Port Melbourne
- Docklands
- Southbank
- East Melbourne
- West Melbourne
- North Melbourne
- Carlton North
- Kensington
- Flemington
- Mount Waverley
- Clayton
- Oakleigh
- Notting Hill
- Huntingdale
- Chadstone
- Ashwood
- Burwood East
- Mulgrave
- Wheelers Hill
- Eltham
- Research
- Diamond Creek
- Greensborough
- Macleod
- Watsonia
- Montmorency
- Rosanna
- Eaglemont
- Viewbank
- Hurstbridge
- Reservoir
- Fairfield
- Alphington
- Brunswick East
- Brunswick West
- Pascoe Vale
- Pascoe Vale South
- Fawkner
- Glenroy
- Hadfield
- Oak Park
- Coburg North
- Ascot Vale
- Aberfeldie
- Airport West
- Avondale Heights
- Niddrie
- Strathmore
- West Footscray
- Seddon
- Maidstone
- Altona
- Altona North
- Spotswood
- Brooklyn
- Cheltenham
- Aspendale
- Chelsea
- Bonbeach
- Edithvale
- Patterson Lakes
- Carrum
- Highett
- Moorabbin
- Frankston South
- Seaford
- Langwarrin
- Templestowe
- Warrandyte
- Park Orchards
- Wonga Park
- Donvale
- Bulleen
- Ferntree Gully
- Wantirna
- Rowville
- Ringwood
- Croydon
- Heathmont
- Broadmeadows
- Roxburgh Park
- Gladstone Park
- Greenvale
- Sunbury
- Tullamarine
- Epping
- South Morang
- Mill Park
- Lalor
- Thomastown
- Mernda
- Berwick
- Narre Warren
- Cranbourne
- Clyde
- Endeavour Hills
- Hampton Park
- Pakenham
- Officer
- Beaconsfield
- Hoppers Crossing
- Truganina
- Williams Landing
- Balnarring
- Red Hill
- Flinders
- Portsea
- Rye
- Blairgowrie
- Hastings
- Somerville
- Tyabb
- Crib Point
- Bittern
- Mount Eliza
- Lilydale
- Mooroolbark
- Belgrave
- Healesville
- Warburton
- Mount Evelyn
- Sunshine
- St Albans
- Deer Park
- Keilor
- Keilor Downs
- Derrimut
- Caroline Springs
- Burnside
- Taylors Hill
- Rockbank
- Melton
- Kurunjang
- Melton South
- Brookfield
- Eltham North
- Kangaroo Ground
- St Andrews
- Plenty
- Geelong
- Newtown
- Belmont
- Highton
- Lara
- Ocean Grove
- Torquay
- Barwon Heads
- Drysdale
- Point Lonsdale
- Queenscliff
- Armstrong Creek
- Gisborne
- Woodend
- Kyneton
- Romsey
- Riddells Creek
- Macedon
- Wallan
- Beveridge
- Kilmore
- Broadford
- Seymour
- Wandong
- Cowes
- San Remo
- Inverloch
- Wonthaggi
- Cape Paterson
- Newhaven
- Warragul
- Drouin
- Trafalgar
- Yarragon
- Neerim South
- Longwarry
- Bendigo
- Kangaroo Flat
- Strathfieldsaye
- Eaglehawk
- Maiden Gully
- Epsom
- Ballarat Central
- Sebastopol
- Wendouree
- Buninyong
- Alfredton
- Lake Wendouree
- Traralgon
- Morwell
- Moe
- Churchill
- Yallourn North
- Newborough
- Daylesford
- Hepburn Springs
- Trentham
- Creswick
- Clunes
- Glenlyon
- Anglesea
- Lorne
- Aireys Inlet
- Jan Juc
- Winchelsea
- Fairhaven
- Portarlington
- Leopold
- Clifton Springs
- St Leonards
- Indented Head
- Curlewis
- Apollo Bay
- Colac
- Skenes Creek
- Lavers Hill
- Birregurra
- Forrest
- Marysville
- Yea
- Alexandra
- Eildon
- Kinglake
- Flowerdale
- Shepparton
- Mooroopna
- Tatura
- Kialla
- Shepparton East
- Murchison
- Mansfield
- Mount Buller
- Merrijig
- Bonnie Doon
- Jamieson
- Howqua
- Wangaratta
- North Wangaratta
- Glenrowan
- Milawa
- Whitfield
- Oxley
- Beechworth
- Yackandandah
- Rutherglen
- Chiltern
- Wahgunyah
- Eldorado
- Bright
- Mount Beauty
- Falls Creek
- Mount Hotham
- Wandiligong
- Porepunkah
- Bairnsdale
- Lakes Entrance
- Paynesville
- Mallacoota
- Orbost
- Metung
- Castlemaine
- Maldon
- Harcourt
- Newstead
- Campbells Creek
- Chewton
- Echuca
- Rochester
- Kyabram
- Lockington
- Tongala
- Stanhope
- Leongatha
- Korumburra
- Foster
- Mirboo North
- Venus Bay
- Tarwin Lower
- Sale
- Maffra
- Heyfield
- Stratford
- Yarram
- Loch Sport
- Mildura
- Irymple
- Red Cliffs
- Merbein
- Ouyen
- Cardross
- Swan Hill
- Lake Boga
- Robinvale
- Nyah
- Piangil
- Ultima
- Portland
- Casterton
- Heywood
- Nelson
- Cape Bridgewater
- Dartmoor
- Hamilton
- Dunkeld
- Penshurst
- Cavendish
- Coleraine
- Glenthompson
- Wodonga
- West Wodonga
- Baranduda
- Bandiana
- Bonegilla
- Killara
- Tallangatta
- Corryong
- Bellbridge
- Eskdale
- Mitta Mitta
- Walwa
- Cobram
- Yarrawonga
- Numurkah
- Nathalia
- Nagambie
- Euroa
- Avenel
- Violet Town
- Benalla
- Goorambat
- Winton
- Baddaginnie
- Bacchus Marsh
- Ballan
- Gordon
- Darley
- Maddingley
- Bungaree
- Bannockburn
- Inverleigh
- Smythesdale
- Meredith
- Lethbridge
- Teesdale
- Stawell
- Halls Gap
- Great Western
- St Arnaud
- Ararat
- Pomonal
- Buangor
- Lake Bolac
- Avoca
- Beaufort
- Lexton
- Landsborough
- Horsham
- Natimuk
- Murtoa
- Pimpinio
- Dimboola
- Nhill
- Jeparit
- Rainbow
- Edenhope
- Kaniva
- Goroke
- Apsley
- Warracknabeal
- Hopetoun
- Minyip
- Beulah
- Donald
- Charlton
- Sea Lake
- Birchip
- Kerang
- Cohuna
- Quambatook
- Koondrook
- Inglewood
- Wedderburn
- Bridgewater
- Boort
- Maryborough
- Talbot
- Dunolly
- Carisbrook
- Camperdown
- Cobden
- Terang
- Timboon