12 EASY STEPS to home ownership! 12 EASY STEPS to home ownership! Step 1 – Contact From this information, your approximate Once you have selected the best finance borrowing capacity is calculated, and option, our finance team prepares the Walk In options tailored. You then have a guide documentation for you to sign and then as to your weekly repayments. sends to your financier to be assessed. If you have time, visit one of our display centres and chat to a Devine consultant. It The extensive range of Devine finance is obligations free. And there’s no pressure! and Home & Land packages in South Step 5 – Contracts Australia offer many dynamic opportunities! Now you’ve selected your home loan, in The information you receive at the time is important. The consultant can help you decide And remember Devine has helped many around 7 days its time for you to sign your between your needs and requirements - help people just like you achieve their own fixed price contract. The fixed price building to set straight in your mind what you might be dream homes. contract is what we all work by. It is another looking for. peace of mind contribution from Devine Step 3 – Selection because it provides you and your bank with Website knowledge – upfront of exactly what your Now for the really exciting part - selecting Check out www.devine.com.au. As market home and land package is going to cost. your home design and location, taking leaders, our innovative designs, facades Naturally, our sales consultants will go over into account your interior and exterior and colour schemes offer you exciting requirements. all the paperwork and, of course, resolve options for your new home. any queries you have. Only you can choose the home that meets Phone your needs from the many designer homes we Before preparing your fixed price have on offer so take your time. Then having building contract Devine has already Alternatively, jump on the phone and talk to one of our sales consultants today - Phone made your choice, pay an initial $500 reservation fee to hold your chosen property. • Investigated building and planning 13 24 66 Time now to move on to applying for a home requirements of the local council Step 2 – Qualification loan. • Sited the home to meet these Step 4 – Finance requirements and offer the most Can you afford it? Well, of course that is very important. functional use of the home and land We are famous of course for our No Legal’s The qualification process allows you to work and No Worries finance. But we also offer a • Prepared a preliminary soil report out what you are able to spend on your new wealth of other options. determining the soil conditions of the land. home. Indeed Devine’s capability in this area is Once we have finalized and signed your So talk confidentially to one of our among the strongest in Australia. Through fixed price contract Devine will: consultants about your financial situation. partnership with a key finance division • Send signed copies to your financier, It will help if you can provide details of we have access to more than 35 different conveyancer and yourself. your household income such as: financial institutions offering many different home loan solutions, with many options that • We will then begin the engineering A) Weekly income, gross or net, and are exclusive to Devine. process in preparation for lodgment regular overtime or part-time work. to the local council So now you are ready to proceed; one of B) Regular commitments or payments our professional financial advisors will discuss such as car payments, credit cards, store accounts, interest free loans and so on. your requirements and present the full range of financial options open to you. Step 6 – Your Client Services Step 9 – Building Approvals happy with the quality and finish of your new home. So this is definitely an opportunity Representative You don’t need to do anything. Devine will not to be missed. From this point onwards your Devine Client submit building permit applications to council. Either a private building certifier or a local Your supervisor will also give you your Service Representative will contact you to council representative will asses your home ‘Handover Pack’ for your new home, this guide you through the next stages. design to ensure it complies with the local contains warranties, 3 months maintenance He or she will be responsible for handling regulations and by laws. Then they will grant forms, engineers certificates and general all the details from the time of contract the development approval for construction to information on your new home. preparation right through to the end begin on your home soon after. construction of your new home. Step 12 – Handover Step 10 – Progress Payments Break out the champagne, its time to celebrate! Step 7 – Colour Selection Your new home is finished, the final payment is There will be 5 progress payments during the Now comes the fun part: selecting the construction of your new home: made and you receive YOUR KEYS! various materials and colours to decorate 1. When the footings are poured What a marvellous feeling. your new home. 2. Upon substantial completion of wall Your very own Dream Home! We have taken the hassle and risk out and roof frame of choosing the colours for your new home. 3. Upon substantial completion of brick For your peace of mind - a 3 month With professionally selected colour schemes work and roof cover maintenance period and a 5 year already planned out for you, it’s an easy 4. Upon substantial completion of statutory warranty! choice. The result: a fully coordinated, 2nd fix carpentry; and As part of Devine’s on-going commitment stylish theme through out your new 5. Upon practical completion to you, we invite you to email or post your home. Hassle free! maintenance form to our Maintenance You will be required to authorize your Department if you detect a problem in Devine has its own “Colour Room” and financier to make payment to Devine on the first 3 months of your occupancy. professional staff to help you in all your your behalf at each one of these stages. The Maintenance Department will selections. contact you to address your concerns Step 11 – Final Inspection and will arrange for any applicable Step 8 – Land Settlement with Supervisor items to be rectified. Your conveyancer will liaise with ours to Plus as a Devine extra inclusion, you Just prior to the completion of your new home, will receive a 5 year statutory warranty ensure the legality of all the documents. your Devine Client Service Representative will from the time of building completion. Payment will then take place for the land and contact you to organize a tour of your new transfer of its title into your name will occur. It’s all part of the Devine philosophy home with your Building Supervisor, showing of ensuring we provide you with the Congratulations! You are now a proud you its many features in the process. It is your quality home you deserve. land owner. building supervisor’s job to ensure you are For further details contact Devine Homes on 13 24 66 or www.devine.com.au All details are correct at the time of print. Consumers should consult their own investment and legal advisors. Photographs are for illustrative purposes only and may change without notice. BLD198338. SA611011.