Buyers Advocate for Busy Professionals: For those with demanding careers and personal commitments, finding the perfect home can quickly become overwhelming and time-consuming. A buyers advocate becomes an invaluable resource, streamlining the property buying process and ensuring busy professionals secure the right property without the stress and hassle of managing every detail themselves.

At Inview Property Group, we specialise in helping time-poor professionals navigate the property market efficiently, making strategic and informed decisions that align with their goals. Whether you’re looking for your dream home or a lucrative investment, our advocacy service ensures you have the best possible advantage.

Here are the key benefits of using a buyers advocate for busy professionals and why it’s a smart choice for those who value their time and investment.

1. How a Buyers Advocate for Busy Professionals Saves Time and Reduces Stress

One of the biggest challenges busy professionals face when buying property is the sheer amount of time required. Searching for properties, attending inspections, researching market trends and dealing with real estate agents can feel like a second full-time job.

A buyers advocate takes on all these responsibilities, ensuring you only view properties that meet your specific criteria. They filter out unsuitable options, arrange private inspections at convenient times and present only the most relevant opportunities. This means you can focus on your career and personal life while your advocate handles the legwork.

At Inview Property Group, we work around your schedule, offering a seamless experience that removes the stress of property hunting. Our expertise ensures that your time is spent efficiently, reviewing only the best opportunities available.

2. Access to Off-Market and Exclusive Listings

Some of the best properties never even hit the open market. These off-market listings are often sold privately, meaning they are not publicly advertised. Buyers advocates have established relationships with real estate agents, giving them access to these exclusive opportunities before they reach the general public.

For busy professionals, this means a significant advantage – less competition and a greater chance of securing a high quality property at a fair price. At Inview Property Group, we leverage our industry connections to provide our clients with priority access to off-market opportunites, ensuring they have a wider range of properties to choose from.

3. Expert Negotiation for a Better Outcome

Negotiating the best possible outcome requires experience, strategy and an in-depth understanding of market conditions. Real estate agents work for the seller, meaning their goal is to achieve the highest possible price. A buyers advocate, on the other hand, works exclusively for you, ensuring you don’t overpay and that all negotiations are handled with your best interests in mind.

At Inview Property Group, we have extensive experience in negotiating on behalf of our clients. We know how to assess a property’s true market value, identify potential risks and push for the most favourable terms. Whether it’s price reductions, extended settlement terms or other conditions that benefit you, we ensure you get the best possible outcome.

4. Market Insights and Expert Advice

Understanding the property market can be complex, especially in highly competitive areas. Factors such as market trends, suburb growth potential and property value projections all play a crucial role in making a sound investment decision.

Buyers advocates have their finger on the pulse of the market, providing valuable insights that help you make informed choices. At Inview Property Group, we offer expert guidance based on years of industry experience. We conduct thorough due diligence, analysing factors like recent sales, future infrastructure developments and market fluctuations to ensure you’re investing wisely.

For busy professionals who lack the time to research these details extensively, having an expert on hand simplifies the decision making process and reduces the risk of costly mistakes.

5. End-to-End Management of the Buying Process

Buying a property involves multiple steps – from initial research and inspections to legal paperwork, due diligence and final negotiations. Managing all these elements can be overwhelming, particularly for professionals juggling busy careers.

A buyers advocate takes care of the entire process, acting as your dedicated representative every step of the way. At Inview Property Group, our tailored approach ensures that all aspects of your purchase are seamlessly coordinated. We:

✔ Conduct in-depth property searches based on your needs and preferences
✔ Arrange and attend inspections on your behalf
✔ Provide comprehensive reports on shortlisted properties
✔ Negotiate the best possible outcome
✔ Liaise with legal and financial professionals to ensure a smooth transaction

By managing these intricate details, we give busy professionals peace of mind, knowing their property purchase is in expert hands.

6. Objective and Unbiased Advice

Unlike selling agents who work for the vendor, a buyers advocate is 100% committed to representing your best interests. Their goal is to find the best property for you, not just to make a sale.

At Inview Property Group, we operate with complete independence and transparency, ensuring that every recommendation is based on what is genuinely best for you. Whether you’re looking for a family home, an investment property or a downsizing option, we provide unbiased guidance tailored to your unique circumstances.

7. Competitive Edge in a Fast-Paced Market

In highly competitive markets, the best properties often receive multiple offers within days. Without the right strategy, busy professionals can miss out on opportunities or feel pressured into making rushed decisions.

A buyers advocate ensures you are prepared, informed and ready to act quickly when the right property comes along. At Inview Property Group, we anticipate market movements, identify high-potential opportunities and ensure our clients are positioned to make strong, competitive offers.

Final Thoughts: Why a Buyers Advocate for Busy Professionals Is Essential

For professionals with demanding schedules, buying a property doesn’t have to be a stressful or time-consuming process. With a buyers advocate, you gain access to expert advice, off-market opportunities and skilled negotiation, all while having someone manage every aspect of the journey on your behalf.

At Inview Property Group, we understand the challenges faced by busy professionals and offer tailored advocacy services designed to save time, reduce stress and secure the best possible outcomes. Whether you’re purchasing your first home, upgrading or investing, our expertise ensures a seamless and successful experience.

If you’re a time-poor professional looking to make smarter property decisions with less stress, get in touch with Inview Property Group today. Let us take care of the hard work, so you can focus on what matters most.

By Lynda McNeill

Investing in property can be a lucrative way to build wealth, however not all real estate opportunities are created equal. A successful investment requires thorough evaluation, careful due diligence and an understanding of key market indicators. So, how do you know if a property is a good investment? Here, we explore the essential factors that determine a property’s investment potential and how Inview Property Group can help investors make informed decisions.

1. Location: The Foundation of Property Investment

One of the most critical factors in evaluating a property investment is location. A desirable location can drive capital growth, ensure strong rental demand and enhance long-term returns. Consider the following:

• Proximity to Amenities: Properties near schools, public transport, shopping centres and healthcare facilities tend to attract more tenants and buyers.
• Economic Growth: Look for areas with strong employment opportunities, new infrastructure developments and a growing population.
• Supply and Demand: High demand and limited supply drive property value appreciation. Research vacancy rates and planned developments that may impact supply.
• Gentrification Potential: Emerging suburbs undergoing transformation often present excellent investment opportunities at an affordable entry point.

2. Rental Yield: Ensuring a Profitable Return

Rental yield is a key indicator of a property’s income potential. It is calculated as:

Gross Rental Yield = (Annual Rental Income / Property Purchase Price) × 100

• A high rental yield (typically 4-6% or more) can provide steady cash flow.
• A low rental yield might indicate that the property’s capital growth is the primary investment driver rather than rental returns.
• Investors should also assess net rental yield, which accounts for expenses like maintenance, council rates, insurance and management fees.

3. Market Trends: Timing Your Investment Wisely

Understanding broader market trends can help investors identify the right time to enter the market and secure a property with strong potential. Factors to consider include:

• Market Cycle: Property markets move through cycles of growth, stagnation and decline. Buying at the right phase can maximise gains.
• Interest Rates: Rising interest rates can reduce borrowing power, while lower rates often increase buyer activity.
• Government Policies: Grants, stamp duty concessions or zoning changes can impact property demand and values.
• Local Demand Shifts: Trends such as remote work or lifestyle preferences may increase demand in certain regions.

4. Property Condition and Maintenance Costs

A property’s condition affects both its immediate appeal and long-term profitability. Before purchasing, consider:

• Structural Integrity: A thorough building inspection can reveal hidden defects that may lead to costly repairs.
• Renovation Potential: A well-planned renovation can boost rental income and resale value.
• Ongoing Maintenance Costs: Older properties may require more upkeep, impacting overall returns.

5. Capital Growth Potential: Long-Term Appreciation

Investors should aim for properties that not only generate rental income but also appreciate in value. Indicators of strong capital growth potential include:

• Historical Price Trends: Look at past price movements in the suburb.
• Upcoming Infrastructure Projects: Transport upgrades, commercial developments and new amenities can drive property value growth.
• Limited Land Availability: Areas with restricted land supply often experience stronger price appreciation.

6. Conducting Due Diligence: Making an Informed Decision

Before committing to an investment, thorough due diligence is essential. Investors should:

• Research the Market: Compare similar properties and analyse recent sales data.
• Engage Professionals: Work with buyers advocates, real estate agents and financial advisors to gain expert insights.
• Assess Financial Viability: Factor in all costs, including mortgage repayments, strata fees and potential vacancy periods.
• Understand Local Regulations: Ensure compliance with zoning laws, tenancy regulations and future planning restrictions.

How Inview Property Group Helps Investors Identify Prime Opportunities

Navigating the property market can be complex, but the expertise of a buyers advocate can make all the difference. Inview Property Group provides tailored guidance for investors, offering:

• Market Insights: Our team analyses trends, identifying high-growth areas and strong rental markets.
• Property Evaluations: We conduct thorough assessments to determine investment potential and risk factors.
• Negotiation Expertise: With decades of industry experience, we secure the best possible purchase price for our clients.
• End-to-End Support: From property search to settlement, we streamline the buying process, saving investors time and money.

A great property investment isn’t just about finding a property – it’s about identifying the right opportunity that aligns with financial goals. By evaluating key factors like location, rental yield, market trends and property condition, investors can make informed decisions that maximise returns. With the expert guidance of Inview Property Group, you can confidently navigate the market and secure the best investment opportunities.

If you’re looking to invest in property but need expert insights, contact Inview Property Group today to start your journey toward a successful property portfolio.

By Lynda McNeill

What Happens When an Investor Buys a House?

Property investment is a powerful wealth-building strategy, offering potential capital growth, passive income and financial security. However, the process of purchasing an investment property differs significantly from buying a home to live in. Investors must navigate several key steps, from securing finance to managing tenants and property maintenance.

At Inview Property Group, we help investors make informed decisions, ensuring a smooth and profitable investment experience. Whether you are a first-time investor or expanding your portfolio, understanding the process and implications of property investment will set you up for success.

Step 1: Securing Finance

The first and most crucial step in property investment is securing finance. Investors should assess their borrowing capacity, explore loan options and obtain pre-approval before searching for a property.

At Inview Property Group, we connect investors with trusted mortgage brokers and financial advisors to structure the best financing options for their investment goals.

Step 2: Defining Investment Goals and Strategy

Once financing is secured, investors must define their objectives and develop a clear strategy. This step ensures that every decision aligns with their financial goals.

Key Considerations:

• Capital Growth vs. Rental Yield: Are you focused on long-term value appreciation or generating immediate rental income?
• Property Type: Apartments, townhouses or houses – each offers different investment benefits.
• Location Selection: Proximity to infrastructure, employment hubs and lifestyle amenities.
• Risk Tolerance: Understanding the market and preparing for potential fluctuations.

At Inview Property Group, we help investors tailor a strategy based on their risk profile, financial capacity and long-term objectives.

Step 3: Researching and Selecting the Right Property

With a solid strategy in place, the next step is identifying a property that aligns with your investment goals. This involves thorough research and market analysis.

Factors to Consider:

• Market Trends: Reviewing historical price growth and future demand in key suburbs.
• Tenant Demand: Ensuring the property appeals to renters for a consistent rental return.
• Property Condition: Older properties may require renovations, while new developments may offer tax benefits.

At Inview Property Group, we conduct detailed market research, property comparisons and rental assessments to help investors select high-performing properties.

Step 4: Conducting Due Diligence

Before committing to a purchase, due diligence is essential to assess the property’s condition, legal standing, and investment viability.

Key Checks:

• Building and Pest Inspections: Identifying structural issues or maintenance concerns.
• Contract Review: Engaging a solicitor or conveyancer to review the contract of sale.
• Rental Appraisal: Ensuring expected rental returns align with market rates.

Skipping due diligence can lead to costly mistakes. Inview Property Group assists investors in arranging inspections and reviewing reports to ensure informed decision-making.

Step 5: Making an Offer

Once a suitable property is identified, the next step is making an offer and finalising the purchase.

At Inview Property Group, we manage the negotiation process, securing the best price and favourable terms, ensuring you purchase a profitable investment with minimal stress.

Step 6: Managing the Investment Property

Once the purchase is complete, the investor’s role shifts to property management. This stage is crucial to maintaining rental income and maximising returns.

Key Responsibilities:

Finding and Managing Tenants

• Advertising the property and conducting tenant screenings.
• Completing lease agreements and ensuring compliance with tenancy laws.
• Collecting rent and maintaining positive tenant relationships.

Property Maintenance and Upkeep

• Scheduling routine maintenance and inspections.
• Managing unexpected repairs and emergency issues.

Financial and Legal Obligations

• Keeping track of rental income and expenses.
• Ensuring tax compliance, including deductions on interest, depreciation and maintenance costs.

Many investors choose to work with a professional property manager to handle these tasks. Inview Property Group connects investors with experienced property managers who oversee day-to-day operations, ensuring a stress-free investment experience.

Potential Outcomes and Implications of Property Investment

Investing in property can yield excellent returns, but it also comes with responsibilities and risks.

Positive Outcomes:

✔ Capital Growth: Properties in high-demand areas appreciate in value over time.
✔ Steady Rental Income: A well selected property generates reliable cash flow.
✔ Tax Benefits: Investors can claim deductions on loan interest, depreciation and maintenance expenses.

Challenges and Risks:

✘ Market Fluctuations: Property prices can vary based on economic conditions.
✘ Vacancy Periods: Unoccupied properties can lead to loss of rental income.
✘ Unexpected Costs: Maintenance and repairs can impact overall profitability.

With the right strategy and expert guidance, investors can navigate these risks and optimise their returns.

How Inview Property Group Supports Investors

At Inview Property Group, we provide expert guidance at every stage of the investment journey, offering:

• Investment Strategy Development: Tailored advice based on goals.
• Property Selection and Due Diligence: Comprehensive research and risk assessment.
• Negotiation and Acquisition Support: Ensuring the best outcome with minimal stress.
• Ongoing Assistance: Connecting investors with property managers, financial advisors and trusted professionals.

With over two decades of experience, we help investors build successful property portfolios while minimising risk and maximising returns.

Understanding what happens when an investor buys a house is crucial for long-term success. The process involves securing finance, defining investment goals, researching the market, conducting due diligence, negotiating the purchase and managing the property effectively.

By working with Inview Property Group, investors gain access to expert insights, market knowledge and a trusted network of professionals. Whether you’re a first-time investor or looking to expand your portfolio, our team is committed to ensuring a seamless and profitable property investment experience.

Ready to invest in property? Contact Inview Property Group today and let us guide you through a successful investment journey.

By Lynda McNeill

Relocating to Australia can be an exciting journey, however for expats looking to buy property, the process can be challenging. With unfamiliar market conditions, complex regulations and regional differences, it’s easy to make costly mistakes. If you’re wondering, What are the common mistakes expats make when buying a home in Australia? – this guide will help you navigate potential pitfalls and find the right property with confidence.

At Inview Property Group, we specialise in helping expats secure homes that align with their lifestyle and investment goals. Here’s what you need to watch out for – and how we can help.

1. Not Understanding the Local Property Market

One of the biggest mistakes expats make is assuming that the Australian property market works the same way as their home country. Market conditions vary significantly across states, cities and even suburbs. Factors such as property values, auction culture and supply-demand trends can impact your purchasing power.

How to Avoid This Mistake:

• Research local market trends, including median house prices, growth rates and investment potential.
• Consider the difference between buying at auction versus private sale – auctions are common in cities like Melbourne and Sydney and they require a well-planned bidding strategy.
• Engage a buyers advocate like Inview Property Group to provide tailored insights into market conditions and help you identify the best opportunities.

2. Overpaying for a Property

Many expats unknowingly pay too much for a home due to lack of experience in property negotiations. This is especially true when they fall in love with a property and bid emotionally rather than strategically.

How to Avoid This Mistake:

• Get an independent property valuation to understand the fair market price.
• Research recent comparable sales in the area.
• Work with a buyers advocate to negotiate on your behalf, ensuring you don’t overpay. At Inview Property Group, we use data-driven insights to secure properties at the right price.

3. Choosing the Wrong Location for Long-Term Needs

It’s easy to be drawn to a location based on short-term convenience, however will it suit your lifestyle in the long run? Some expats regret their purchase because they didn’t consider key factors such as school zones, public transport, work commutes or lifestyle amenities.

How to Avoid This Mistake:

• Think about your long-term plans – do you need proximity to schools, a vibrant social scene or a quiet family-friendly area?
• Evaluate the infrastructure, future developments and community vibe.
• Speak with a local expert – our team at Inview Property Group assesses your personal needs and recommends locations that align with your future goals.

4. Misunderstanding Legal and Financial Requirements

Expats often assume they can purchase property under the same rules as Australian citizens. However, Australia has strict regulations regarding foreign investment, particularly for non-residents and temporary visa holders.

How to Avoid This Mistake:

• Understand FIRB (Foreign Investment Review Board) requirements – expats often need FIRB approval to purchase property.
• Be aware of additional stamp duty surcharges imposed on foreign buyers in certain states.
• Seek legal and financial advice before signing any contracts. While Inview Property Group doesn’t provide legal or financial advice, we can connect you with trusted experts who specialise in expat property purchases.

5. Relying on Online Listings Without Local Insights

While property portals like realestate.com.au and Domain are useful, they don’t tell the full story. Some properties are sold off-market and online listings can be misleading in terms of pricing and property condition.

How to Avoid This Mistake:

• Don’t rely solely on online searches – partner with a buyers advocate who has access to off-market opportunities.
• Arrange in-person or virtual property inspections to verify the condition of a home.
• Ask about zoning laws, flood risks, and upcoming developments, which may not be apparent in online listings.

6. Underestimating Additional Costs

Property prices in Australia go beyond the listing price. Expats often overlook hidden costs such as stamp duty, legal fees, building inspections and ongoing maintenance.

How to Avoid This Mistake:

• Budget for all costs, including insurance, council rates and strata fees (for apartments).
• Understand state-specific stamp duty rules, which vary across Australia.
• Work with a buyers advocate to forecast potential expenses and ensure you don’t face unexpected financial strain.

7. Struggling with the Buying Process from Overseas

Many expats attempt to manage their property search remotely, which can lead to missed opportunities, miscommunication and logistical challenges.

How to Avoid This Mistake:

• Appoint a trusted local representative to attend property inspections, bid at auctions and handle due diligence.
• Use virtual tours, video calls and detailed property reports to stay informed.
• At Inview Property Group, we offer end-to-end support for expats, ensuring a seamless buying experience – even if you’re purchasing from overseas.

Why Work with a Buyers Advocate?

Navigating the Australian property market as an expat can be overwhelming, but you don’t have to do it alone. A buyers advocate acts exclusively in your best interest, providing:

✅ Expert Market Insights – Know where and when to buy.
✅ Negotiation Power – Secure the best possible price.
✅ Access to Off-Market Listings – Get exclusive property opportunities.
✅ Time-Saving Assistance – We handle the legwork, from property searches to settlement.
✅ Local Network & Trusted Advisors – Get referrals to legal, financial and building professionals.

At Inview Property Group, we specialise in helping expats make confident, well-informed property decisions – saving them time, money and stress. Whether you’re looking for a home or an investment property, our expertise ensures you avoid common mistakes and secure the best property for your needs.

If you’re asking, What are the common mistakes expats make when buying a home in Australia? – the key takeaway is that lack of market knowledge, poor location choices and financial missteps can lead to costly regrets. By working with a buyers advocate, you can make informed decisions and invest wisely in the Australian property market.

Are you an expat looking to buy property in Australia? Contact Inview Property Group today – we’ll guide you every step of the way.

By Lynda McNeill

Buying a home is one of the most significant investments many people will make in their lifetime. Understanding what to prioritise can mean the difference between a purchase that aligns perfectly with your goals and one that brings unexpected challenges. So, what are the biggest factors when buying a home in Australia? Below, we break down the key considerations that should guide your decision making process and how Inview Property Group’s expertise can support you at every step.

1. Location: The Heart of Every Home Purchase

Why It Matters:

The old saying, “Location, location, location,” exists for a reason. The location of your home significantly impacts your lifestyle and future property value. Consider the following aspects:

• Proximity to Work and Amenities: Choose an area that offers a reasonable commute to your workplace and is close to schools, hospitals, parks, and other essential services.
• Safety and Community: A safe and welcoming suburb contributes to quality of life. For families, being part of a supportive community with shared values can be crucial.
• Lifestyle and Convenience: Urban, suburban, or rural? Your preferred lifestyle will help determine the ideal location. If you’re a city lover, you’ll prioritise different features than if you seek tranquillity in rural areas.

Inview Property Group’s Role: With our extensive knowledge of Melbourne, the Yarra Valley, Gippsland, the Goldfields, and North Central Victoria, Inview Property Group can help you assess areas that align with your priorities. We provide insights into growth patterns and future developments that could affect your investment.

2. Property Type: Matching Your Needs and Vision

Why It Matters:

The type of property you choose should fit your current and future lifestyle. Here’s what to consider:

• Size and Layout: Does the home have enough space to meet your family’s current needs? Will it still be suitable if your circumstances change in the next few years?
• Type of Property: Are you considering an apartment, townhouse, or house? Each has unique benefits and potential drawbacks regarding privacy, maintenance, and long  term value.
• Condition of the Property: Is it ready to move into, or does it need renovations? A “fixer-upper” can be rewarding but requires time, money, and expertise to improve.

Inview Property Group’s Role: With a team that has experience in assessing all property types – from city apartments to rural lifestyle properties – we can guide you through evaluating the pros and cons to match your needs. Our insights help ensure that you choose a home that suits both your present and future aspirations.

3. Market Conditions: Understanding the Current Landscape

Why It Matters:

Real estate markets can be highly dynamic. Understanding whether you’re in a buyer’s or seller’s market can influence your negotiation strategy and the timing of your purchase.

• Economic Indicators: Interest rates, employment rates, and inflation all impact housing prices. Keeping an eye on these factors can help you anticipate price trends.
• Seasonal Trends: In Australia, market activity can vary by season. The spring market, for instance, often sees higher competition and more inventory.
• Future Market Projections: Consider how property prices in your chosen area are expected to trend. While there are no guarantees, understanding the market cycle helps with decision making.

Inview Property Group’s Role: Navigating market conditions is complex, especially for first time buyers or those without recent experience. Inview Property Group offers tailored market analysis to give you a comprehensive view of current conditions, ensuring that you make a well informed decision based on data and trends.

4. Financing Options: Structuring Your Budget

Why It Matters:

The way you finance your home is just as important as the property itself. Assessing your financial health and finding the best mortgage deal can save you significant amounts over time.

• Budgeting: Establish a clear budget, taking into account not just the purchase price but also stamp duty, legal fees, building and pest inspections, and potential renovations.
• Loan Types: Compare variable and fixed rate loans. Each has advantages depending on your financial stability and market conditions.
• Loan Pre-Approval: Obtaining pre-approval gives you an edge, showing sellers that you are serious and financially capable.

Inview Property Group’s Role: Our team understands the complexities of real estate financing. While we don’t act as mortgage brokers, we collaborate with trusted financial experts who can help secure favourable loan terms and structure your budget effectively. This strategic approach ensures you remain within your financial limits without compromising on quality.

5. Future Resale Value: Thinking Long Term

Why It Matters:

Even if you’re buying what you believe to be your “forever home,” it’s wise to consider its future resale value. Life circumstances change and having a property with strong potential appreciation offers flexibility.

• Growth Potential: Is the area undergoing development that could drive property value up?
• Property Features in Demand: Homes with unique or desirable features – such as modern kitchens, outdoor spaces, and good natural light – tend to hold their value better.
• Market Stability: Some areas are more prone to market fluctuations than others. A reliable suburb may appreciate steadily, while a trendier area could experience more dramatic swings.

Inview Property Group’s Role: With over two decades of experience, Inview Property Group is skilled at identifying properties with solid long term potential. Our buyer advocates ensure that you understand which properties are more likely to appreciate based on factors like location, property type, and market data.

The Inview Advantage: Navigating Your Home Purchase with Confidence

Buying a home is more than just a financial transaction – it’s a major life decision. At Inview Property Group, we pride ourselves on offering personalised service that prioritises your goals. Here’s how we help:

• Tailored Approach: We take the time to understand your unique needs, helping you identify and prioritise what matters most.
• Comprehensive Guidance: From assessing locations and property types to analysing current market conditions, we provide thorough advice.
• Unbiased Expertise: As independent buyer advocates, our commitment is solely to you. We ensure that your decision making process is informed, reducing stress and enhancing confidence.

What are the biggest factors when buying a home? The answer lies in evaluating location, property type, market conditions, financing options, and future value. Making a home purchase in Australia involves intricate decisions, but with the right guidance, it can be a streamlined and successful process. Inview Property Group’s expertise in buyer advocacy ensures that every factor is thoughtfully considered, empowering you to make choices that align with your current and long term aspirations.

Ready to start your home buying journey? Contact Inview Property Group today and take the first step toward a well informed, rewarding home purchase.

By Lynda McNeill