If you believe you have been discriminated against based on personal characteristics, you may be eligible to lodge a complaint under the Equal Opportunity Act 1984 (SA).
Contents insurance helps to cover the cost of replacing the things that you own that normally are inside of your house if they are damaged, stolen, or lost. This can include electrical items, furniture, clothes, sporting equipment and jewellery.
If you are a homeowner you may combine your building and contents insurance into one, known as home and contents insurance.
A comparison rate is designed to help you understand the overall cost of a home loan, including fees and charges from the lender.
For example, a 3.50% interest rate at Lender A with high fees has a comparison rate of 3.85%. Lender B’s higher interest rate of 3.65% with lower fees has a comparison rate of 3.75%. This means Lender B is the cheaper option even though the interest rate is higher.
It is important to bear in mind that the comparison rate will be based upon a standard set of criteria which might not align with your circumstances.
Community housing is an alternative to public housing and caters for people on very low to moderate incomes, who are or may be in rental stress or face barriers to entry into the private housing market. It provides secure, affordable, long term rental housing for people with specific needs.
Building insurance helps to cover the cost of replacing a home if it’s destroyed, or the cost of repairing damage to the physical structures of a property.
Building insurance usually covers permanent fixtures and fittings such as inbuilt kitchens, garages/sheds and fences from events such as fire, flooding (specific causes), storm, impact (e.g. from a car accident or falling tree), explosion, riot, vandalism and earthquake.
A rental bond (also known as a residential bond) is an upfront payment made by the tenant before moving into a rental property. The landlord must lodge it with Consumer and Business Services (a receipt is given to the tenant), and, at the end of the lease, it is returned to the tenant if there are no claims for outstanding rent, damage, cleaning, or other costs.
The cooling-off period is the final stage of buying a home in which you can withdraw from the purchase of the property without legal or significant financial implications, even after signing the contract. Cooling-off periods are usually only available to buyers (not sellers) and are designed to protect them in case last minute issues arise. Reasons for withdrawing may include:
Consumer and Business Services has provided this helpful guide to buying or selling a home.
Let us help you find your way home by entering a few details or view all helpful resources.
Conveyancing charges cover the transfer of property’s title from the vendor (seller) to you. Conveyancing charges are usually estimated by the conveyancer and can range between $500 and $2,000.