Chris Bates
speaker
1,659 appearances
5 recordings
1 series
first heard Jun 2021
last heard Dec 2022
Chris Bates’s voice in public audio — every appearance, attributed to the second.
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Appearances
And then all of a sudden you're chasing the market.
And you know, you've just, what you want to focus on is the quality assets.
And so, yeah, that would be my biggest advice is
Yep, get ready, get educated.
And then once you find the right property, it's trying to secure it, not trying to get too picky and say, oh, I'm just going to wait another few months to see if I can get something cheaper in a few months.
I think that's optimistic thinking.
Yeah, it's been a really interesting year for pre-approvals.
We started, you know, when the rate increases went up through the roof.
We just said to our clients, we're really nervous around pre-approvals right now.
We just don't trust them.
And if you're buying right now, you have to come back to us when you're looking to make offers because we don't want to, you don't assume your pre-approval is going to be valid.
And that turned out to be right.
Banks basically didn't honour pre-approvals for a period there.
They would only honour them if they were less than 30 days old, which is, you know.
not that often, you know, weeks.
And we were redoing numbers all year for clients saying, no, no, you're still fine.
I know you're pre-approved, but your capacity is falling 10%.
You still want to buy within that.
They are lasting 90 days now, which is great because, you know, people have the confidence to buy up to 90 days after they're issued, even if borrowing capacity is full, which is interesting.
But yeah, absolutely.
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