We look forward to working with them again in the future. Daniel Tran 28 Jun Can't thank the team at Intuitive finance enough for helping me through this process. Prompt, professional and very You can tell that they have been doing this for a very long time and that they know what they are doing. Will be definitely engaging them in the future and will be also be recommending them to family and friends.
Keep up the good work and thank you again for making it easy read more. Peachy Prints 25 Jun Vera has been a fabulous help and supporter through the entire process! She helped me understand and manage my finances Thanks team! Amy : read more. Jarrod Miller 07 Jun My partner and I have recently purchased our first property and used Intuitive Finance as our broker.
Lachlan was very Vinoth Puvichandran 19 May Intuitive Finance's service was very professional and they walked me through from the start to end providing me with They were really responsive, easy to communicate with and are always available to answer your questions and to support you through out the process.
Also, they spend great amount of time to formulate a right finance strategy to suit your circumstances and property purchase. It was great working with Lachlan and Craig. I am looking forward to working with them again in the future and I would recommend anyone who needs support with Mortgage related matter.
Philip Boyle 05 May Andrew and Vera at Intuitive Finance are highly experienced when it comes to home loans. They deliver a quality service Overall, I'm very happy to recommend Intuitive Finance as I myself will be using their services again for the next mortgage. Thank you! E Wilson 23 Mar We have worked with Intuitive over several years and across several loans. Intuitive have also been invaluable in finding the optimum way to structure our borrowing in line with our financial goals.
David Bryant 19 Mar Well done. I particularly liked the way they kept me advised of progress with the refinancing. Raymon Ortinez 11 Mar Lachlan and Craig secured both refinance and an investment property loan for me. Both guys made the process less Providing reassurance as needed, as this journey is always nerve-wracking. They were informative and open to answer tons of questions for me. Lachlan is a young, driven top gun in the industry and surely has got some more in store for him in the future.
Craig has always been amazing in what he does. I trust Intuitive Finance and every deal that they have for me. Mark Byrne 10 Feb Excellent experience dealing with Lachlan. He was super clear on the different options available to me; took the time Renay Lotz 29 Nov It was a pleasure working with Andrew and his team.
Moving from a different country and not understanding all the Australia laws, they made the process of attaining a mortgage totally stress-free. Vera is informative, has her clients best interest at heart, and makes herself available for any questions you may have. She is professional and very organised. I would definitely recommend Intuitive Finance.
Thank you for the outstanding service! Tracey Carroll 28 Nov The team at Intuitive Finance are fantastic to deal with. Andrew is a wealth of knowledge when it comes to financial They are always very quick to respond to emails and phone calls. I would highly recommend them. Rebecca 27 Nov As far as the UK is concerned, the method of valuation that will be used during property valuation will depend on the property in question.
The property valuation process for a house to be sold will vary significantly from that of a house being built. Arming you self with relevant questions to be asked when valuation is going on. During property valuation, the agent will want to know the initial price of the property, and the length of time you have had the house.
You will also be asked about any renovations that have been carried out on the house, and if there are any potential problems which they need to be made aware of. At the property valuation stage, honesty is the best policy, because the discovery of any problem later as the process goes on could lead to long delays or even to the end of the transaction.
You are not obligated to make any decisions at this stage. A valuation report will be provided by the agent, who will let you know what their finding are. You will be given some time to weigh your options.
You can agree with them on a convenient date usually a day or two to give them your decision, whether you want to continue with them or not. If you have concerns about the structural aspects of the property, seeking the advice of experts is a great idea. Especially since a valuation is not a guarantee of condition of the property and the valuer is not a whole house inspector.
At the same time, experts such as an engineer, electrician, plumber or architect do not necessarily have to be present during property valuation.
Their services could be requested before the valuation or after if the results need some corroboration. Property valuation process involves the use of technical scales to produce an accurate valuation. However there are certain things you can do to improve the value of your home, and tip the scales in your favour.
Make sure it is clean and tidy, deodorised and decluttered. The idea is to make sure the property looks in the best shape possible. Comps are used as a baseline for property value and must be as near to identical as possible to the home being bought or sold, to ensure an accurate appraisal. An appraiser is not a home inspector , and therefore, does not comment on the integrity of the foundation, roof systems or mechanical systems, and does not check for moisture issues or potential environmental concerns.
An appraiser is responsible for observing and documenting any positive or negative site influences. This can include lot shape, lot topography, positive views such as water, mountains, or valleys and negative views such as powerlines, industrial facilities or cemetery, or traffic noise, often referred to as traffic pollution.
In addition to the immediate exterior, the appraiser observes whether the house is situated in an urban, suburban or rural area and the type of neighbourhood.
Home improvements are described in terms of their age, the extent of the work, room allocation, quality of construction and the current condition. An experienced appraiser can differentiate the varying quality of work and will comment on the construction, calling it fair, average, good, or custom. The appraiser will document the type and quality of finishings and improvements such as flooring, windows, mechanical work, cabinets and countertops. It is typically determined by having a licensed appraiser inspect the home and researching the price homes have recently sold for in the area.
Prior to buying a home , a mortgage lender will require a home appraisal to ensure the home is worth the amount the seller is asking. Homeowners may also request an appraisal when refinancing their mortgage. After the appraisal is complete, the mortgage lender will determine how much they will lend for the property.
So what do appraisers look for during a home appraisal? When comparing your home to other homes in the area, they will primarily take the size and overall condition of your home into strong consideration when conducting their analysis.
If you own a 3-bedroom home in Raleigh, North Carolina, they will compare the amount of similar 3-bedroom homes have sold in the Raleigh area when determining the value of your home. Before getting too granular, the appraiser will note general details in the home, such as the materials used throughout the home, the condition of the property, and any alarming physical aspects of the property that may impact its habitability.
This is one of the first things appraisers look for! If anything seems structurally unsound or unsafe to live in, they will take note. They will also scan the home's overall upkeep, such as missing door handles, leaking faucets, and other maintenance-related issues.
Appraisers will look at the home's location. When conducting an appraisal, the appraiser will consider where the home is located.
Location plays a critical part in valuing a home. They will assess whether or not the home is located on a busy road and if it is in close proximity to owner-occupied homes, renter-occupied homes, or foreclosed properties. In a highly desirable area like Plaza-Midwood or Myers Park which are two of Charlotte's best neighborhoods , homes will be valued far higher than less desirable areas.
Appraisers will also consider the surrounding homes in the neighborhood. Are they primarily single-family homes, apartment buildings, or commercial properties?
One thing many people don't account for that appraisers look for is the age of the home. Older homes are sometimes maintained far more and are located in historic districts whereas newer homes may come with problems. Nonetheless, the age of the home will play a role in the appraisal process.
New Construction always is valued higher than homes built a century ago. A home appraiser will take time reviewing the exterior of the home to ensure it is structurally sound. They will look for any signs of water damage or other problems, such as a chimney that is cracked or leaning away from the home which could indicate structural damage along with a lopsided porch or stairs leading up to the home.
If you are aware of your home's roof problems, speak with your real estate agent prior to spending tens of thousands of dollars to repair it. It may be more cost-effective to lower the asking price of your home rather than putting tons of money into installing a brand-new roof. In addition to the roof, the appraiser will also inspect the condition of the siding, garage, porch, deck, and any other exterior elements.
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