Buying a property in one of the hundreds of housing estates across Australia is a no-brainer for many families.

In most cases the land or package is comparatively cheap, allowing them to purchase a home that is significantly larger than anything they could buy close to the city, and for a fraction of the cost.

But with so many estates dotting the landscape, how do you identify the ones that offer good value, as well as excellent potential for growth?

Here’s what to look for in a high-performing estate area.

Buying a property in a housing estate is a no-brainer for many families. Picture: Getty

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Access to amenities

It comes as no surprise that many of the best-performing estate areas already have good access to shops, schools and other amenities.

Any advantage in buying a great home in a new estate could quickly be eroded if it takes years for the surrounding infrastructure to catch up.

Parley Property Advisory’s Luke Assigal warns that you should ensure that planned infrastructure projects have already started or have iron clad timelines for when construction will begin.

“You find a lot of places at the moment, they said they’d have a train station five years ago, and they still haven’t got one,” he says.

“In those areas, when they build, you tend to find it’s like the chicken comes before the egg. You’ve got all these houses and you’ve got no train station, no shopping centre. You’ve got to drive 20 minutes to get to anything, which doesn’t seem like much, but with the convenience other areas have, it’s a lot.”

Land quality

The cost of building, and subsequently demand and price growth, can be affected significantly by the land itself, according to Max Brown agent Tony Smith.

Smith says estates that are relatively flat or gently sloped, like some currently for sale in Melbourne’s outer south-east, always have greater appeal.

“The land out there is all really nice. It’s all gently sloping, which doesn’t sound very interesting, but when you go to other areas where you’ve got slope, it can add $40,000 or $50,000 to someone’s house costs,” he says.

“People are focusing on affordability, so if they can buy a block for $300,000 and build a house for $200,000, they’re getting themselves a new home for $500,000. But if the area’s got slope and it jumps the price to $540,000, that knocks them out.”

Cultural lure

Finding an estate area with an in-built network of demand is one of the hidden keys to performance and growth.

And Smith says targeting regions with a strong representation from certain cultural demographics can yield big results down the track.

He highlights one such Melbourne region, with a booming Indian population, as an example, saying land prices in one estate have soared from an average of $250,000 a year ago to $350,000 now, due largely to that acute demand.

“It’s been embraced by the Indian community, and that’s the number one reason. They’re moving down there because their community’s down there,” he says.

“It’s a big pull for people. And then what happens is everything in that area starts to adjust to that – the style of schools and shops and restaurants.”

Finding an estate area with a cultural network is one of the hidden keys to performance and growth. Picture: Getty

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Proximity to CBD

It’s generally the case that most of the newer housing estates are some distance from the CBD. That’s where all the available land is, after all.

But find one that’s a little closer in and you could strike gold.

Smith says one growth area in Melbourne’s north-east has experienced price increases of 50% in a very short period of time, purely because it’s much closer to the city than others of comparable scale.

“We started off selling at $200,000, now we’re at about $300,000,” he says.

“It’s had more growth than anywhere because it’s 35km from the city, whereas other areas are 55km from the city, and it’s still cheaper than those areas.”

See Australia’s top 10 growth suburbs

Supply just right

Nothing will kill good growth quicker than an oversupply of properties in one area.

Finding a housing estate that is well priced but has a touch of scarcity is a good start, so be sure to investigate the surrounding area, to ensure other developers aren’t about to pour hundreds more properties or lots onto the market just minutes down the road.

“You don’t know that a developer has just bought or is subdividing about 200 lots in that area, and that’s going to flood the market,” Assigal says.

“You look at the areas that are going crazy at the moment, there’s so much demand and not enough supply, and they’re the areas where people will be happy to pay over the market.”

This article was originally published on
31 Oct 2017 at 9:00am
but has been regularly updated to keep the information current.

With the real estate market continuing to roll from strength to strength, trying to determine a property’s true value is an ever-present challenge for buyers.

Snaring the property you want while avoiding paying too much is the dream, but how do you make that happen? As a buyer, how do you ensure you purchase at the right price every time?

Some of Melbourne’s leading buyer’s agents share their tips.

Buyers need to know what a property is really worth. Picture: Getty

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Know your goals

The “right” price for a particular property won’t be the same for everyone.

For example, a first-home buyer might see a certain price as fair for a property, while an older couple looking at downsizing might be perfectly comfortable paying $100,000 more to ensure they get hold of it.

Kristen Hatt, from buyer’s advocates Woledge Hatt, says being crystal clear about what you want from a property will help determine what your right price is.

“It’s about having a really good understanding of what you’re trying to achieve, and then making sure that property will meet all of those goals, because then you can make decisions around price as well,” she says.

“Understanding what the property is and the likelihood of (a similar property becoming available again), will determine the right price for you.”

Research, research, research

When it comes to determining the right price for a property, there’s no substitute for market knowledge and conducting your own research.

Luke Assigal, from Parley Property Advisory, says it’s important to frame your own market, rather than blindly following the selling agents and their indicative price ranges.

“That includes taking the statement of information with a grain of salt as well,” Assigal says.

“The statement of information gives you a bit of an idea, but there’s been a lot of examples where the indicative selling range is out by 10% to 20%.”

“Look at the location, look at the council area. What is it close to? Is it close to commission housing; is it close to industrial; is it on a main road; what age is the property; has it been renovated in the last five years; what is the aspect of the property; what is the floor plan like? All of these little characteristics add up to what the property’s worth. At the end of the day it’s like a science.”

Get a property value estimate as part of your market research.

There’s no substitute for market knowledge and conducting your own research. Picture: Getty

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Inspect in person

All property knowledge isn’t necessarily equal. While looking at properties and results online will give you some measure of knowledge, there’s no substitute for checking out properties in the flesh, Hatt says.

“Just getting the results of properties doesn’t necessarily tell you about the properties,” she says.

“Sometimes a property sells for a certain price because it has a major structural issue, and you can say: ‘Well that’s why it was cheap’. Understanding more about each property is important.”

Home tips  for buyers:

Calculate based on square metres

Some agents are reporting that for many properties, calculating the likely sale price based on the rate per sqm of land is proving increasingly accurate.

Again, it’s about research. If a number of properties nearby have sold for around $5000 per sqm often you can expect a very similar rate for the house you’re eyeing off.

“You can do square meterage, particularly when you’re dealing with larger blocks and development blocks in blue chip areas,” Assigal says.

“You can get access to stats quite easily – most properties have the square meterage listed online.”

It doesn’t necessarily mean the property will be the right price for you, but at least you’ll know how much you’re likely to be up for if you decide to bid.

Use a buyer’s advocate

Studying the market yourself each week is one thing, but consider for a moment that there are people who do it professionally.

Buyer’s advocates have knowledge and expertise built up over years. Picture: Getty

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While the average punter researches properties only when they’re actively looking to buy one, buyer’s advocates/agents have knowledge and expertise built up over many years, and can give an almost instant appraisal of what a property should be worth.

Hatt says that with buyer’s advocates, you’re paying for that superior market knowledge, as well as their ability to sniff out properties based on your personal requirements and circumstances.

“We were chatting to clients the other day and talking about a specific bayside area, and I said that over the last five to 10 years I would have been through 80% of the homes in that area that have been for sale over $1 million,” she says.

“That’s knowledge that you can’t just get by going to a few open for inspections and thinking that you’ve got an understanding. A lot of buyers are only in and out of the market in a very short period of time.”

This article was originally published on
1 Nov 2017 at 9:00am
but has been regularly updated to keep the information current.

Key takeaways

• California, Montana, and New York are the most expensive states in the U.S., where monthly housing payments eat up nearly half of a local homebuyer’s income.
• Most of the priciest states are located on the coasts; limited inventory and higher incomes have pushed prices to all-time highs.
• Housing affordability is a major issue for everyone—one reason why the market has been so slow—but is slowly improving

Housing has become increasingly expensive for Americans since the pandemic. Home prices have climbed by more than 50%, and mortgage rates have nearly doubled, pushing the typical housing payment to ever-climbing highs. An average homebuyer needs to spend nearly 40% of their income on housing today, according to Redfin data. This has exacerbated a housing crisis and pushed more people into a cool but expensive rental market—where many now aim to stay.

These rising living expenses have been a major reason why people have been migrating to more affordable parts of the country of late. Areas in the Sun Belt, Midwest, and Northeast have blossomed, while coastal cities have slowed.

So, in a market where so many are seeking affordability, where are homes still the most expensive? What are the most expensive states to live in and buy a house? Whether you’re considering a move or just curious where housing costs the most, this Redfin article is for you.

The 10 most expensive states in the U.S.

California, Montana, and New York are the most expensive states in America, where a local homebuyer has to spend around 50% of their income on monthly housing payments. Hawaii (47.1%) and Massachusetts (45.9%) rounded out the top five.

Out of all 50 U.S. states, nearly half (22) require locals to spend at least 35% of their income on housing, while an additional 15 states eat up between 30-35%. Arkansas (30%), Pennsylvania (31%), and Wisconsin (33.2%) fall into that second bucket. 

Since the 1980s, most experts have recommended spending 30% of your income or less on housing expenses. But as costs climb and budgets get stretched, that decades-old logic is fading. For this analysis, we used 35% as the threshold for unaffordability.

States where affordability is declining the most

There are only two states where affordability is dropping: Alaska and New York. 

New York is becoming more expensive in part because lower-cost markets in Western and Upstate New York have become increasingly competitive as home searchers seek affordability and more climate-resilience. Meanwhile, Alaska is dealing with a supply shortage in part due to environmentally complex construction and rising costs of materials.

In general, affordability is improving nationwide as wages climb faster than prices—although an uneasy economy is throwing some bumps in the road. 

Coastal and mountain states are the most expensive places to live and buy a house

Unsurprisingly, America’s most expensive states largely mirror its most expensive cities. The wealthier, more space-limited coastal and mountainous states tend to have more expensive housing markets because of a fairly significant supply and demand imbalance. Zoning codes, a lack of homebuilding, and geographic constraints all play a role.

Montana is especially unique. During the pandemic, scores of wealthy newcomers from coastal areas looked to Big Sky Country for a change of pace and plenty of space. Most chose mountain towns like Bozeman, Missoula, and Whitefish, which pushed up prices in places where incomes were middling. Today, this has led to a statewide severe affordability crisis, where locals simply can’t afford to live where they previously did. The median sale price is $528,000, but the median income is just $78,000—less than two-thirds of what’s required to keep costs in reach. 

On the other end of the spectrum, spacious states in the Midwest—Iowa, Indiana, and Oklahoma—are the most affordable, where ample supply outweighs demand.

>> Read: The Most Expensive Cities in the U.S. in 2026

Why is housing so expensive?

The U.S. has had a growing housing supply shortage since the Great Recession, which kicked into high gear during the pandemic homebuying craze. The fewer homes there are for buyers who want them, the higher prices go.

In recent years, even though demand has softened as more people have gotten priced out, sellers have also pulled back because they’ve struggled to find a buyer. This has kept prices high even as the market slows to a crawl.

But the outlook is improving. “The gap between America’s most and least expensive states is the narrowest it’s been on records dating back to 2012, and affordability has actually slowly increased since 2025,” said Daryl Fairweather, Redfin Chief Economist. “Recent economic volatility is pushing costs and wages in the wrong directions again, but economists are generally confident that the housing market will return to ‘normal’ levels over the next many years.”

>> Read: Why Are Houses So Expensive?

Methodology

Rankings expand on a June 2026 Redfin analysis of housing affordability by analyzing all 50 U.S. states. The analysis focused on the share of income a median-earning resident would need to spend every month to afford a typical for-sale home. A state was considered “unaffordable” if its monthly payment required more than 35% of statewide median monthly earnings, assuming a 20% down payment, typical taxes and fees, and a 30-year mortgage. States with the highest monthly income requirements ranked as the least affordable.

All data came from a Redfin analysis of MLS, U.S. Census, and Atlanta Fed data.

Touring and looking at homes can be one of the most exciting steps in the homebuying process. However, it can be easy to get carried away in the excitement and overlook details that could become an issue down the road. Whether it’s the location, a too good to be true listing price, or a red flag with the home’s condition – you’ll want to know what to look for and do your due diligence before making an offer on a home. 

Buying a home is a major investment, and spotting potential red flags early can help you avoid costly surprises down the road. In this Redfin guide, we’ll cover 10 potential warning signs to watch for while house hunting, whether you’re searching for a home in Gardena, CA or Milford, CT, so you can make a more informed decision before putting in an offer.

1. There are few photos showing the inside of the home 

One major red flag is seeing a listing with only a few photos (or none at all) of the interior of the home. Instead, the listing may offer more photos of the home’s exterior or surrounding area to entice home buyers. Every home seller wants to present their home in the best light possible, so a lack of interior photos can indicate that the home isn’t in great condition.

“Some of the biggest red flags when house hunting can be easy to miss, especially in a beautifully presented home,” suggests Nick Schossow at Schossow Group. “Look beyond the furniture, finishes, and fresh paint and pay close attention to how the home actually lives – its floor plan, natural light, storage, construction quality and overall condition. Also pay attention to the things you can’t change, like the lot, surrounding properties, traffic and noise. A smart purchase should work for you today while also protecting the home’s value and appeal to future buyers when it’s eventually time to sell.”

2. The price seems too good to be true

Home prices can be a deal-breaker when you’re house hunting. If it’s out of your price range, it’s usually out of the question. However, if you see a home priced below market value, this could mean there’s an issue with the house or location. 

So, before getting too excited at the idea of a lower mortgage payment, be sure to ask your real estate agent for more information about the home’s pricing and their insights. You may uncover hidden problems, like the home is in need of a new roof or HVAC system.

“Buyers should look beyond the purchase price and ask whether the property still makes sense after accounting for repairs, insurance, taxes, maintenance, vacancy, and realistic market demand,” says Ahmed Hashlamon, VP of Data at Mashvisor. “The best properties are not always the cheapest ones, they are the ones where the location, condition, and finances all support the buyer’s goals.”

3. The home has been put “back on the market” 

Of course, there could be a handful of reasons why a house was taken off the market and then re-listed. The previous buyer’s financing could have fallen through or maybe the deal fell apart after the seller and buyer couldn’t come to terms after the home inspection. Or, the house could have been sitting on the market for an extended period of time and the home seller decided to wait for demand to return to their market. 

“If a home has been repeatedly listed, withdrawn, or fallen out of contract, it does not necessarily mean something is wrong, but it is worth understanding why,” states Jenny Usaj. “Ask about previous contracts, inspection issues, price changes, and the reason prior buyers may have walked away.”

In any case, you should be asking why the house was put back on the market. Did the home sit on the market for a long time, and if so, why? What stopped buyers from making an offer? If it was under contract, did a major issue come up in the home inspection? 

4. Problems with the surrounding neighborhood 

Having plenty of options when you’re house hunting is great, but it could be a red flag if there are too many homes for sale in the same neighborhood. What’s making people sell their homes? Is the neighborhood getting rezoned to a new school district? Is it located near a noisy highway? If you notice that there’s a lot of homes for sale, ask your real estate agent whether this should be a concern or not for that area. 

“The biggest red flags aren’t always inside the house – they’re on the block,” says Jason Dalbey at The Denver Group. “I tell buyers to check what’s happening around a property, not just in the listing: Is this the best house on the block or the worst? Is there a busy short-term rental next door? Is the street slated for a light rail or road-widening project? A house can show perfectly and still come with problems you won’t find until you’re already under contract.”

5. It’s a flipped home

A home that was purchased as a fixer-upper and flipped isn’t a red flag that should send you running for the hills by any means. However, there are extra precautions you should take when coming across a recently-flipped home as you’re house hunting. 

Be sure to get more information on the upgrades the house received. Was it only cosmetic updates or were there upgrades to the plumbing, HVAC, or even the “bones” of the house? Make sure the sellers have permits for the home improvements that require one. This way, you know the improvements were done right and according to code.

The obvious red flag with a home in a high-risk flood zone is the potential future damage your home could experience. But also keep in mind that you may be spending extra for flood insurance if you decide to purchase the home. If you’re still interested in making an offer on a home despite the fact that it’s located in a flood zone, make sure you get quotes for how much flood insurance would cost over the life of your mortgage. 

“One red flag buyers should watch for is a previously reported or remediated sinkhole that is not clearly disclosed in the current listing,” states Lisa Carroll at Team TLC. “Buyers should also pay close attention to roof age, prior water intrusion, flood exposure, unpermitted work, and anything that could affect insurability, because the insurance issue can be just as important as the condition of the home itself.”

7. The house is for sale “as-is”

If the house is being sold as-is, it’s being sold in its current condition and the seller will not be required to make repairs or improvements. It’s extremely important that you do your due diligence before agreeing to purchase an “as-is” property. Consider consulting with a real estate attorney and examining the deed and land records for red flags prior to writing an offer. Then make sure you get the home inspected by a professional to identify any potential issues the home may have before closing.

8. You smell odd odors

When house hunting, it’s important to pay close attention to the details. If you pick up on a funky smell, it may indicate that there’s mold, a plumbing issue, water damage, HVAC issues, or something else. 

“Red flags I always tell buyers to watch for include strong odors like air fresheners or candles (often masking mold or pet damage), fresh patches of paint on ceilings or walls (possible water damage cover-up), and sloped or uneven flooring,” recommends Julien Bortz at Mid Modern Designs. “Take a step back from the pretty staging and really evaluate the home’s condition. A good realtor or inspector can help you separate cosmetic charm from real red flags.”

9. There are strange noises

As you tour homes, listen for any loud or strange noises that you can hear from both inside and outside of the home. The last thing you want is to move into your new home only to realize that there are issues with the furnace or roof, or that there are unpleasant sounds from nearby construction or train tracks. 

10. Parts of the home don’t function properly

Be sure to check everything as you are house hunting. Do all the doors close properly? If not, this could indicate that there’s an issue with the foundation. Do all the light switches and outlets work? Are some of the lights flickering? Is the ceiling sagging or are there any odd black stains on the walls? 

Of course, just because something in the home isn’t functioning properly or easily doesn’t indicate that there’s a major issue. But it’s better to be overly cautious and ask questions if you come across anything that seems a bit off.

Avoid common house hunting red flags

House hunting can be exciting, but knowing how to spot potential red flags can help you avoid costly surprises after you move in. From neighborhood concerns and flood exposure to issues that could affect your home’s insurability, taking the time to investigate potential problems can help you make a more confident decision. By working with your real estate agent, asking the right questions, and doing your due diligence, you’ll be better prepared to find a home that fits both your needs and your budget.

New estates are often perceived as homogenised and uninspiring, but housing developments are changing, according to one expert.

Building consultant Kerri-Ann Hooper, director of Carnelian Projects, which works with turn-key builders in the Hunter and Central Coast regions of New South Wales, says estates are no longer “all the same”.

Hooper helps her clients, often first-home buyers, buy a block of land and select a house design. She then liaises with the builder on their behalf. She says many buyers want more than just a “flat rectangle to build on” and developments are changing to meet that demand.

Eco-friendly boutique developments are in demand. Picture: realestate.com.au/buy

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Hooper cites boutique developments with less than 10 blocks, eco-friendly estates with strict rules around vegetation through to “entire, new little towns, complete with shops and childcare centres” as examples of the diversity being seen in the marketplace.

“It’s not the same as 20 years ago, where it was just housing blocks, that’s for sure,” she says.

“The Huntlee development in the Hunter Valley will essentially be a new town of its own, with shops, open space and parks with barbecues etc. The idea is you won’t need to go anywhere else, as everything will be there,” Hooper says.

When finished, Huntlee, which is 45 mins from Newcastle, will be home to 20,000 residents and have 160ha of parks and open space. Land is on sale from $180,000.

In seaside Fern Bay, 15 minutes from Newcastle, an eco-friendly estate includes off-road trails, Hooper says. Some developers even include front and back yard landscaping, she adds.

Hooper says the new offerings are simply a case of developers “putting in things that appeal to people.”

Having a childcare centre right where you live would be a drawcard for young families. Picture: Getty

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“Childcare centres are a good example. In the past, that simply wasn’t part of it, but now it’s quite common to see and naturally, that appeals to young families,” she says. “We’re also seeing medical centres and supermarkets.”

Despite the change, Hooper says the traditional model of big developers buying up farm land on the urban fringe and offering ‘easy to build on’ blocks remains strong.

This article was originally published on
1 Jan 2018 at 11:00am
but has been regularly updated to keep the information current.

Moving can look different depending on your needs, budget, and how much support you want throughout the process. From coordinating a straightforward household move to ensuring delicate artwork arrives safely and is placed exactly where you want it, understanding the difference between white-glove moving and moving can help you choose the service that best fits your needs.

In this Redfin guide, we’ll break down what sets white-glove moving apart from traditional moving services, what each option typically includes, and how to decide which is right for you. Whether you’re preparing for a move in North Providence, RI or relocating to Brooklyn, NY, understanding your options can help you plan a smoother, less stressful transition.

TL;DR
– Traditional moving: Focuses on core services like packing, loading, transportation, and unloading.
– White-glove moving: May include additional services such as specialty handling, custom crating, unpacking, and furniture placement.
– Cost: Pricing varies for both services based on factors like move size, distance, and services selected.
– Choosing a service: Consider your belongings, budget, moving logistics, and how much of the process you want the movers to handle.

What is white glove moving?

White-glove moving is a specialized moving service that provides a higher level of hands-on coordination, protection, and attention to detail throughout a move. Rather than focusing solely on transporting belongings, white-glove movers may assist with additional services designed to protect delicate items, simplify the moving process, and help ensure everything is handled according to the customer’s preferences.

“White-glove movers provide a more personalized, high-touch level of service than traditional movers, with added attention to precision, protection and every detail of the moving experience,” shares Ross Sapir, CEO and founder of Roadway Moving. “It’s designed for customers who want a seamless, stress-free move with an extra level of care, professionalism and discretion from start to finish.”

Depending on the moving company and the customer’s needs, white-glove services may include:

• Specialized packing and protection: Premium packing materials, double-layer wrapping, and custom crating can provide additional protection for fragile or valuable belongings.
• Handling of specialty items: Movers may have experience transporting items such as fine art, antiques, glassware, and other delicate pieces that require additional care.
• Assembly and installation: Some services can include assembling furniture or installing items in the new home.
• Detailed placement: Belongings may be carefully placed where the customer wants them, helping create a more finished setup upon arrival.

What is traditional moving?

Traditional moving is a common approach that focuses on the core steps of getting your belongings from one home to another. Depending on the company and service selected, this may include packing, loading, transporting, and unloading your belongings, giving you the flexibility to take on additional parts of the move yourself.

“Traditional movers are usually hired to complete a defined scope: pack, load, transport, and unload, while white-glove movers take responsibility for planning and coordinating the move as a project,” states Steve Bystroff at Bystroff Moving. “The difference is less about wearing gloves and more about who is managing the details and making sure the move is completed as intended.”

Traditional moving services can vary by company, but commonly include:

• Packing and preparation: Movers may pack some or all of your belongings before the move, depending on the service you select.
• Loading and transportation: The moving crew safely loads your belongings, transports them to the new location, and unloads them upon arrival.
• Flexible service options: You can choose which parts of the move you want the movers to handle and which tasks you prefer to manage yourself.

>>Read more: Moving Checklist: Everything You Need to Know for a Smooth Move

White glove moving vs. traditional moving: What’s the difference?

Both traditional and white-glove moving services are designed to help you relocate your belongings safely, but the services provided can differ based on the company and package you choose.

“Traditional movers focus on safely transporting your belongings from one location to another, while white-glove movers provide a more hands-on, detail-oriented service,” says Stan at SQ Moving Company. “White-glove moving typically includes extra protection for furniture, careful handling of fragile or high-value items, more extensive packing and unpacking, and placement of items exactly where the customer wants them.”

Which moving service is right for you?

Choosing between traditional and white-glove moving comes down to the services you need and how involved you want to be in the process. Either can be a good fit depending on the size and complexity of your move, the belongings you’re transporting, and your preferences for packing, handling, and placement.

Consider the following when deciding which service may work best for your move:

• The type of belongings: If you’re moving standard household items, traditional moving services may provide the assistance you need. Moves involving artwork, antiques, fragile furnishings, or other specialty items may benefit from services designed around additional handling and protection.
• How much you want to manage: Consider whether you prefer to handle some tasks yourself or have the moving company take care of more of the packing, unpacking, and placement.
• Your moving logistics: A straightforward move may require fewer services, while a move with specific building requirements, multiple locations, or detailed setup needs may call for additional coordination.
• Your budget: Compare the cost of each service with the specific features included to determine which option fits your priorities and moving budget.

>>Check out: How to Prepare for Movers: A Practical Guide for a Smooth Move

How much does each moving service typically cost?

The cost of a move can vary widely depending on factors such as the distance, size of the move, number of belongings, timing, and services selected. In 2026, local moving services generally cost around $876 to $2,549, while long-distance moves can range from roughly $2,700 to $10,000 or more.

White-glove moving typically costs more because it can include additional services, materials, specialty handling, and coordination. Current estimates put white-glove moves at approximately $6,000 to $100,000 or more, though the price can vary substantially based on the scope and complexity of the move.

The difference between white glove moving and moving: Which should you choose?

The difference between white glove moving and moving ultimately comes down to the services and level of support you need. Traditional and white-glove moving can both provide a successful relocation, depending on your belongings, budget, and preferences. Comparing what each service includes can help you choose the best fit for your move.

Saving for a home is a pretty simple concept, right? It goes something like this; save, save, then save some more! But hold on … maybe you’re more ready than you realise? 

While building up a deposit is an absolute must, there’s a bunch of other factors lenders look at to decide if you’re mortgage-ready – and you might already tick some of those boxes. 

Matthew Clark, a RAMS home loan specialist from Wollongong in New South Wales, explains why it’s not just about the deposit digits.

Sign #1: You’ve got a good 9-5

“First cab off the rank is stable employment,” Matthew says. 

“Naturally, you need to be saving for a deposit if you want to buy your first home, but having a good, stable job, that you feel comfortable in, with good remuneration, is the base for everything else,” he says.

For the vast majority, a full-time gig is how they’ll earn the cash to pay the loan back, after all.

Matthew says lenders also understand that Gen Ys tend to “job hop”, so don’t be stressed about not having 10 years with one employer under your belt!

Being self-employed doesn’t rule you out either. “With a permanent full-time job, it’s more straightforward, because your pay is set, but if you’re self-employed, it’ll require a bit more history about what you earn and getting advice early on is a good idea,” he says.

A steady job doesn’t need to mean slaving away in an office, self-employed buyers get home loans too. Picture: Tamara Graham

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Sign #2: You’re smart about debt

It goes without saying that the less debt you have, the better your chances of getting a mortgage. 

“But let’s be realistic, at this stage of your life, you may well have other debts,” Matthew says. How you handle them as you prepare to buy a house is what matters.

Paying off all debt – like car loans and credit cards – any which way you can, isn’t necessarily the best approach, he explains.

“Don’t try to pre-empt what a lender might want or favour. Talk to someone who understands home loans, because it’s really a case-by-case thing.

“If you have $20,000 left on a car loan, say, and someone gifts you that amount, it might not be the best idea to pay that all off. You might be better to add that $20,000 to your deposit, but it really depends,” Matthew says.

“It’s best to lay it out on the table with someone who knows what they’re doing.” 

Honesty is the best policy when it comes to talking to professionals about your debts. Picture: Kate Hunter

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Sign #3: You’ve got a good rental history

It may just seem like paperwork, but renters should get their name on rental agreements if possible.

“It’s never a bad thing to be able to prove a strong rental history, as it shows you’ve paid rent regularly,” Matthew says.

Paying your rent on time will keep your housemates AND your lender happy. Picture: Kate Hunter

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Sign #4: You understand consistency is king!

As well as being able to point to a big fat deposit, showing how you did it matters too, Matthew explains.

“All savings are great, but being able to demonstrate you have consistently saved money, say weekly or monthly, on top of paying rent, is a good indicator to a lender that you can handle a mortgage,” he says.

Information in this material is general and does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you.  You should also obtain independent professional advice relevant to your financial circumstances. RAMS Financial Group Pty Limited does not endorse or assume any responsibility for the advice, content or services provided by any third party referred to in this material. RAMS Financial Group Pty Limited ABN 30 105 207 538 AR 405465 Australian credit licence 388065. Credit provider and issuer of RAMS deposit products: Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714

This article was originally published on
15 Jan 2018 at 9:00am
but has been regularly updated to keep the information current.

Although closing issues can cause delays for buyers and sellers, knowing where the problems lie can help you effectively manage them. Understanding what can go wrong during the closing process can also help you feel prepared if things don’t work out as planned.

With all this in mind, let’s walk through some common issues that buyers and sellers may encounter when closing on a house.

For first home buyers, it’s the million dollar question: Should you go hard and buy the very best property you can afford? Or be more conservative? 

Two experts, Stephen Villios, a RAMS Home Loan Specialist from Unley in South Australia and property guru Frank Valentic, weigh in. 

More to gain, more to lose?

Stephen says while there’s lots of factors to consider, it ultimately comes down to simple mathematics. 

“Obviously, the higher the value of the property you buy, the more you stand to gain when that property goes up in value over time,” he says.

“You have the option of growing more wealth with a property that’s worth more, that’s just a fact,” Stephen says. 

“But, and this is a big but, there is absolutely no point doing that if you’re going to over-extend yourself and risk getting into difficulty; especially with your first property purchase,” he adds. 

“Looking at it purely from a financial perspective, my advice if you can afford it is to try to purchase at around the median house price in the state you’re purchasing in, because by definition, that’s the most marketable price bracket when you come to sell,” Stephen says.

Spend well under or well over the median, and the pool of potential buyers shrinks, he adds.

The median price is generally the most marketable price bracket when it comes time to sell. Picture: realestate.com.au

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Stephen says buyers need to look closely at what they can realistically pay back, to ensure they don’t get into trouble.  

Frank – the founder of buyers’ advocacy service, Advantage Property Consulting, best known for bidding at auctions on TV show The Block – says it’s better to start small. 

He suggests property newbies follow the KISS principle; “keep it simple, stupid!”

“Buy something small and ease your way into the market, rather than overcommit and find you’re mortgaged to the roof, eating bread and water and not enjoying life,” Frank says.

“If you push yourself to the absolute maximum, you could end up defaulting on your mortgage and the bank could repossess your home for not keeping up with payments,” he says.

Starting small, purchasing a one-bedroom apartment, is a smart way to get onto the property ladder. Picture: realestate.com.au

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Frank warns against borrowing everything the lender will give you. “I think it’s better to get a pre-approval and whatever that maximum borrowing capacity is, go to 60 to 70% of that,” he says. 

“I definitely think buying an entry-level property, that will do you for three to five years, is the way to go,” Frank says. 

“That’s what I did when I bought my first house in Brunswick East. I lived there for five years, it doubled in value, and I then moved to a suburb where I really wanted to live, ” he says.

Starting small, finishing big

Picture: It may not be the Taj Mahal, but a smaller property can get you onto the property ladder. Picture: realestate.com.au

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Buying within your means has many upsides, Frank says.

“The advantages are that you may then be able to buy a property that is good value and ticks a lot of the boxes, without overcommitting and which you can potentially re-sell in the future and upgrade to another property,” he says.

“If you can afford to, you could upgrade if you are an upsizing family and you have kids and need more space than you had in your first property.” 

Compromise is the big disadvantage, Frank says. “You may need to compromise on the type of property you may be buying at first. It may not tick all the boxes that you want,” he says.

“You don’t buy the Taj Mahal first up. Buy the smaller property and then build up to that second better property.”

Information in this material is general and does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you.  You should also obtain independent professional advice relevant to your financial circumstances. RAMS Financial Group Pty Limited does not endorse or assume any responsibility for the advice, content or services provided by any third party referred to in this material. RAMS Financial Group Pty Limited ABN 30 105 207 538 AR 405465 Australian credit licence 388065. Credit provider and issuer of RAMS deposit products: Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714

This article was originally published on
15 Jan 2018 at 9:00am
but has been regularly updated to keep the information current.

There are many reasons you might want to find out who owns a property or piece of land. Suppose you’re on a walk in Nashville, TN, and you pass by a home that you instantly fall in love with and want to buy. Or maybe you’re researching an empty lot, tracking down a landlord, or looking into a potential investment. Whatever the case, finding out who owns a property is often easier than you think.

Many property records are publicly available, and with the right tools, you can uncover details in just a few steps – just make sure the website you use is legitimate. From online searches to government records and real estate experts, this guide breaks down 12 effective ways to help you find out who owns a property.

How to find out who owns a property

1. Search online
2. Ask the county tax assessor
3. Contact the county clerk
4. Search the registry of deeds
5. Visit the local library
6. Use a title company
7. Pay for an online service
8. Consult mailing list brokers
9. Talk to an agent or investor
10. Ask a lawyer
11. Chat with neighbors
12. Knock or leave a note at the door

First, find the address

Before you start searching for ownership details, you need to find the exact address of the property and/or land (aka “real property”). Here are three ways to find it:

1. Go in-person: Most homes and some properties have visible addresses. Take a walk or drive to search for the address yourself. 
2. Online map tools: Programs like Google Maps or Redfin.com make it easy to figure out a property’s address. If you know exactly where the parcel of land is, zoom in on its location and the address should pop up. The satellite view can also give you a better idea of the entire plot’s terrain and features.
3. Parcel maps: If other methods don’t work, your next step is to look at a parcel map. Parcel maps are a great way to identify properties and their boundaries. These detailed maps are often available for free through county assessors’ offices or GIS websites but vary by state and county.

If you’re searching for a specific property (not just a house), you may also need its property identification number (PIN)—also known as a parcel number—which is separate from the address. A PIN is usually located on a property’s tax bill or assessment notice, so going to your county can be a good place to start. Unfortunately, there are 3,143 counties across the 50 U.S. states, many of which use different property identifiers, so the number can be challenging to find. 

Once you have the address (and property number, if needed), you’re ready to start your ownership search.

1. Search online

The easiest way to find out who owns a property or house is to search for the address or property number online. Websites like Whitepages offer reverse searching services, and real estate platforms like Redfin have ownership information at the bottom of most listings in every city (Nashville or Chicago, for example). Keep in mind that information may be incomplete and inaccurate. 

Another option is to go to your county’s website and look for a property that way. Many counties have online portals with all of this information in one easy place. If that doesn’t work or if you’re looking for more details, it’s time to dig a little bit deeper.

2. Check the local tax assessor’s office

A majority of people who own private property must pay property tax on it (usually excluding churches, libraries, schools, and religious buildings, among others). They pay these taxes to their county, which are collected by the county treasurer (often called the collector’s office). The county assessor determines a property’s true and fair value and retains a record of them. 

So, if you’re wondering who owns that property next door, the best place to start is by going to your local tax assessor’s office. Assessors provide free, easy, and comprehensive ownership data for every registered property in their county. You’ll also get to see any special assessments associated with the property, like loans and other financial information. However, the information may be outdated depending on when it was registered. 

Check with your local government office, call their information line, go to your city hall or meeting place, or email the office if you have any questions.

Some properties aren’t listed with tax assessors for numerous reasons—perhaps it’s unregistered land, there was an administrative error, or nobody has ever paid taxes on it. If the county assessor couldn’t help, your next step is to contact the county clerk, sometimes called the register of deeds, recorder of deeds, or recorder’s office.

The county clerk often has a record of property deeds. When you find the deed, it should have the signature of the property owner, as well as the address and contact information. Depending on how long ago the deed was recorded, it may be out of date. 

Most of the time, the information is available online, but this varies by location.

4. Search a registry of deeds

Depending on your area, you may be able to ask and manually search through the local registry of deeds. This is most common in New England and isn’t available everywhere, so contact your county if you have questions. If you look through it yourself, remember that some states have separate registry districts, which adds a layer of complexity. 

5. Visit your local library

Your local public library can be a good place to research property records. Some libraries have old city directories, historical archives, maps, and other materials that list who owned or lived at certain addresses. Librarians can help you find these resources and point you to useful records or databases.

6. Use a title company

If the county can’t help you figure out who owns a property, your next step is to go to a local title company. Title companies are experts at locating property information. They don’t typically become involved with a transaction until the property is under contract to be sold, at which point they search the property’s title and identify any issues with the current owner’s title.

If you’re willing to spend, some companies offer pre-contract searching services for a fee. Check with local title companies to see if they offer such services.

7. Pay for an online service

If you’re committed to buying an abandoned property or empty lot, paid online property search services can be a great option for finding the owner. Many property data tools can pinpoint the current owner and even provide contact details and information about the land registry, so long as you provide the address or even just the owner’s last name. You may also discover any existing liens or debts, which may help guide your next steps. 

However, online services can be expensive and are often complicated and full of jargon. If you take this route, prepare to invest a significant amount of time and money.

8. Consult mailing list brokers

Mailing list brokers are a paid online information-gathering service ideal for bulk information gathering and outreach. Mailing list brokers gather detailed property information for marketing and real estate purposes. If you’re searching for information about one or multiple properties, you can pay to have these services provide ownership and contact details. 

Keep in mind that these services can be expensive and incomplete.

9. Reach out to a real estate agent or real estate investor

Real estate agents or real estate investors may already have access to informational lists you would otherwise have to pay for. If you have a friend or family member who is a real estate agent, consider asking them for a favor. Agents can also provide advice if you’re navigating an online service.

10. Talk to a real estate attorney

If your search is complex—such as dealing with inheritance disputes, title issues, or unregistered land—a real estate attorney may have additional resources or contacts within the county to help you find the owner.

11. Chat with neighbors

Depending on how remote the property or land is, talking with neighbors can be a good way to find out who owns a property. They may know who owns the land, how to reach them, or its history and past owners. Even if they don’t have all the details, they might point you in the right direction.

12. Walk by and leave a note

When all else fails, try knocking on the door of that perfect house or leave a note if nobody is home. You may end up face-to-face with the current owner or talk to someone who knows the owner. If nobody answers, consider leaving a message with your contact information. This tactic probably won’t work if the property is abandoned or doesn’t have a structure on it.

This can be the riskiest and most direct method to find out who owns a property. However, be mindful of privacy; some property owners may be wary of unsolicited inquiries. Avoid being intrusive and always respect boundaries.

Final thoughts

It can be confusing to find out who owns a property, so let’s recap: 

• Most of the time, you can easily find the information by searching online. 
• Many governments have resources that are free and easy to use.
• If simple strategies don’t work, the next step is to contact your county clerk’s office; they often have tax, title, and deed records for as long as the house has been registered. 
• Counties can often be slow to respond to requests. If it’s taking a while, ask a brokerage, title company, or paid online service to find the information you need.

When you search for properties, always be cautious about misinformation and companies that use bad practices. Try not to be intrusive, and talk to the county if you have any questions. If you talk with neighbors or go to the property in person, remember to be kind, courteous, and understanding.

Discovering who owns a property is usually simple and has many advantages. You can guarantee that you’re talking with the legal owner of the property, and you may be able to convince them to sell even if it’s not on the market.