Skip to Main Content

Getting started

Firstly, deciding to sell your home is a big decision.

Before you take the plunge, have a think about what’s happening in the real estate market currently, and what your next steps will be after selling.

Are you going to be better off buying your next home before or after you sell?

1. Choose agents wisely

The right agent can make or break your sale, so don’t be afraid to shop around your local area. Look for good local knowledge and a proven track record of sales success. They’ll be in charge of advertising, showcasing and completing the legal requirements of selling your home, so don’t rush this decision!

2. The how and how much

You’ll then work with your agent on the right selling strategy for your property. Should you go to auction? Should you opt for a Property Preview? What should your asking price range be? A good agent will take into account your property’s age, location, size and features, as well as market trends, to help you decide.

Legal and contracts

Once you and your agent have determined the right strategy, you’ll then sign an agreement so they can commence work. This is a legally binding document, which outlays the agreed upon course of action, covering off what’s expected of them in the selling process.

Once the agreement is signed, you then need to prepare your Vendor’s Statement (or Section 32) for your property, and your contract of sale – this is done through your conveyancer or solicitor. This Statement will include all the relevant details prospective buyers will be looking for.

Going to market

This is where the fun part begins – your agent will have already explained your options for marketing and advertising your property. You’ll need to work with them now to arrange photography, floor plans and ad copy for all advertising material. When it comes to photos, make sure you do all you can to showcase your home in its best possible light and ask to see the final copies before they go public.

Once the advertising begins, your agent will help arrange viewing times, whether open or private, so that buyers can see what they could be getting in the flesh. Again, make sure you’ve got your place looking its best before any such appointment, to help ensure your best chances of a sale. As a simple rule, before any inspection, make sure you take care of these three simple things to make your home feel as welcoming and inviting as possible.

1. Stay clutter-free

You want buyers to be able to envision themselves living in your home. Remove any unnecessarily large furniture and mess.

2. Do the yardwork

We all know not to judge a book by it’s cover, but if your frontage is overgrown with weeds, it’s not a good look straight away.

3. Let there be light

Open all the windows and turn on some lights. Light creates a feeling of calm and space, making us feel at home.

Negotiation and sale

All things going to plan, you shouldn’t have to wait long before your agent is able to turn a couple of nibbles into a bite. Once a buyer is found, your agent will mediate between buyer and seller so you can reach a price that everyone is happy with. At this point, the buyer will put down their deposit.

Then, you’ll need to touch base with your lawyer and lender, and the buyer will do the same so that all parties meet their financial and legal obligations.

Settlement day

That magical day every seller dreams of! Depending on the length of settlement you agree upon with your buyer, it may come around sooner than you think, so be ready, and start packing sooner rather than later!

On settlement day, you’ll hand over keys to your agent, and you’ll relinquish legal rights to the property. Your buyer will arrange the balance of payment from their bank, and that’s it – you’re done!

Compare Home Loans

Compare 5 products
Ultimate Home Loan
Our ultimate in loans. Our Ultimate Home Loan offers the flexibility of fixed or variable rate, or a mixture of both. What's more, it features a linked offset account and unlimited free online redraws.
Great Rate Home Loan
Our simple, low rate loan that’s perfect if you’re after great value and no ongoing fees. Our Great Rate loan lives up to its name and offers flexible repayment and loan term options.
Line of Credit
Our Line of Credit helps you make the most of the equity in your home. Great if you’re thinking about renovating, investing, or just want more flexibility.
Ultimate Investment Home Loan
Our Ultimate Investment loan combines great value with a range of extra products designed to make investing easier.
Great Rate Investment Home Loan
With low-interest rates and no monthly or annual fees, we've made investment simple.
Interest Rate 1.69 % p.a.
Comparison rate 3.72 %^ p.a.
~1 year fixed, owner occupied, principal and interest
Interest rate 1.69 % p.a.
Comparison rate 3.49 %^ p.a.
~1 year fixed, owner occupied, principal and interest
Interest rate 4.00 % p.a.
Ultimate Line of Credit home loan base rate
Interest rate 2.19 % p.a.
Comparison rate 4.10 %^ p.a.
~1 year fixed, principal and interest
Interest rate 2.69 % p.a.
Comparison rate 3.51 %^ p.a.
~5 year fixed, principal and interest
Key Features
Great if you want a packaged home loan with a low rate and added benefits.
Key Features
Great if you want a low-rate no-frills home loan.
Key Features
Great if you want a continuous credit facility to access the equity in your home.
Key Features
Great if you want a great value packaged loan to invest in property.
Key Features
Great if you want a simple, no-nonsense investment loan with competitive rates.
Interest only available
Fixed rates available
Minimum deposit required (without requiring mortgage insurance or a Family Pledge)
20% of purchase price (plus costs)
Maximum loan term
30 years
Parental guarantee available
Property location
NSW, ACT & QLD
Multiple offset accounts
Yes. Available once loan reverts to a variable interest rate.
Free redraw online
Additional repayments
Split loan option
Can be used for land & construction (variable rates only)
Can be used for refinance
Fast refi
Available if self employed
Repayment holiday
Ongoing fee
$395 p.a. Package fee
Interest only available
Fixed rates available
Minimum deposit required (without requiring mortgage insurance or a Family Pledge)
20% of purchase price (plus costs)
Maximum loan term
30 years
Parental guarantee available
Property location
NSW, ACT & QLD
Multiple offset accounts
Free redraw online
Additional repayments
Split loan option
Can be used for land & construction (variable rates only)
Can be used for refinance
Fast refi
Available if self employed
Repayment holiday
Ongoing fee
Interest only available
Fixed rates available
Minimum deposit required (without requiring mortgage insurance or a Family Pledge)
20%-25% dependent on security taken
Maximum loan term
N/A
Parental guarantee available
Property location
NSW, ACT & QLD
Multiple offset accounts
Free redraw online
Additional repayments
Split loan option
Can be used for land & construction (variable rates only)
Can be used for refinance
Fast refi
Available if self employed
Repayment holiday
Ongoing fee
$10 per month
Interest only available
Fixed rates available
Minimum deposit required (without requiring mortgage insurance or a Family Pledge)
20% of purchase price (plus costs)
Maximum loan term
30 years
Parental guarantee available
Property location
NSW, ACT & QLD
Multiple offset accounts
Yes. Available once loan reverts to a variable interest rate.
Free redraw online
Additional repayments
Split loan option
Can be used for land & construction (variable rates only)
Can be used for refinance
Fast refi
Available if self employed
Repayment holiday
Ongoing fee
$395 p.a. Package fee
Interest only available
Fixed rates available
Minimum deposit required (without requiring mortgage insurance or a Family Pledge)
20% of purchase price (plus costs)
Maximum loan term
30 years
Parental guarantee available
Property location
NSW, ACT & QLD
Multiple offset accounts
Free redraw online
Additional repayments
Split loan option
Can be used for land & construction (variable rates only)
Can be used for refinance
Fast refi
Available if self employed
Repayment holiday
Ongoing fee
Enquire now Ultimate Home Loan Enquire now Great Rate Home Loan Enquire now Line of Credit Enquire now Ultimate Investment Loan Enquire now Great Rate Investment Loan

Can't quite find what you're after?

Drop into a branch

Our friendly staff are happy to help with all your banking needs. Find a location near you across NSW and South East QLD.

Find a branch

Can’t make it to a branch?

Our mobile lenders are more than happy to come to you. Find a lending expert close to you and request a callback today.

Find a lender near you

Get in touch

Speak to our lending contact centre
Monday to Friday 8:30am – 5:30pm AEST.
Saturday 9:00am to 1:00pm AEST

1300 721 253

Conditions, fees and charges apply to all loans. Subject to meeting Greater Bank's lending criteria. Greater Bank Limited ABN 88 087 651 956. AFSL/Australian credit licence No. 237476.

~At the end of the fixed rate period customers can chose to re-fix their loan for another fixed rate period or let the loan revert to the applicable variable interest rate based on the loan and repayment type.

^Comparison rate is based on $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

#Discounted rates include a discount on Home Loans of $150,000 or over and Home Loans with an LVR 80% or below and apply to new borrowings only. Discounted rate not available for Line of Credit facilities.

+Additional costs may apply if your loan has a fixed rate.

All new interest-only home loans, attract a 0.10% p.a. margin above the applicable Principal and Interest base rate. All new Line of Credit home loans, attract a 0.10% p.a. margin above the applicable Line of Credit base rate. The all-up interest rate which includes any margins, will be set out in your credit contract. View our Terms and Conditions.