Buying a home is one of the biggest decisions you’ll ever make. Before you get the keys, there’s one last important step: the pre-settlement inspection. This is your chance to check that your new property is in the right condition and that everything promised is in place. Having a thorough homebuyer pre-settlement checklist helps you avoid surprises and ensures your investment is protected. Let’s walk through what to check before buying a property, using real-life examples and easy-to-follow tips.
Understanding the Importance of the Pre-Settlement Inspection
The pre-settlement inspection is your final opportunity to walk through the property before the sale is complete. It’s not just a formality-it’s your chance to make sure the house is in the same condition as when you agreed to buy it Imagine finding out after moving in that the oven doesn’t work or there’s water damage in the bathroom. A careful inspection helps you spot these issues early.
Many buyers feel excited and nervous as settlement day approaches. You might have visited the property weeks or even months ago. Things can change in that time, so this inspection helps you confirm that nothing has been damaged or removed since your last visit. It’s also the moment to check that any repairs or special conditions in your contract have been met.
If you find problems during this inspection, you can talk to your real estate agent or lawyer. Sometimes, the seller will fix the issues or adjust the sale price. This step protects you from unexpected repair bills and disappointment after moving in
Reviewing Your Contract and Inspection Reports
Before you head to the property, take a few minutes to review your contract of sale and any building or pest inspection reports you received earlier These documents list what should be included in the sale and any promised repairs. For example, if the seller agreed to fix a broken window or include certain appliances, make sure you know exactly what to look for.
Having these papers handy during your inspection helps you check that all contract conditions are met. It’s easy to forget small details, especially if you’re excited about moving in. By double-checking your paperwork, you can avoid missing something important, like a missing dishwasher or a repair that wasn’t finished
If you spot any differences between the contract and what you see during the inspection, raise them right away. Your agent or lawyer can help resolve these issues before the sale is final. This step gives you peace of mind and helps you avoid disputes later on.
Checking for Damage and General Condition
When you arrive for your pre-settlement inspection, start by looking for any new damage to the property. Walk through each room and pay attention to the walls, floors, and ceilings. Look for cracks, water stains, or holes that weren’t there before. Sometimes, moving out can cause accidental damage, like scratched floors or broken tiles.
Don’t forget to check the exterior of the house, too. Walk around the garden, check the fences, and look for any issues with the roof or gutters. If the property has a pool, garage, or outdoor living space, make sure these areas are in good shape and safe to use. For example, a family once found that their new home’s fence had been damaged during the seller’s move-out, which they only noticed during their inspection.
If you find any problems, take photos and make notes. Share these with your agent so they can talk to the seller about fixing them before settlement. Remember, the property should be in the same condition as when you agreed to buy it-no surprises allowed
Testing Fixtures, Appliances, and Utilities
It’s easy to overlook small details when you’re excited about your new home, but testing all fixtures and appliances is essential. Turn on every light switch to make sure it works. Test power outlets with a phone charger or small device to check for electricity Try out all built-in appliances, like the oven, stovetop, dishwasher, and range hood, to confirm they’re working properly
Run all taps in the kitchen, bathroom, and laundry to check water pressure and drainage. Make sure the hot water system is working by running the hot taps and showers. Flush toilets and check for leaks or slow draining. If the house has heating, cooling, or pool equipment, turn these on to test their function.
A real-life example: one couple discovered their new home’s air conditioner wasn’t working during their pre-settlement check. Because they caught it early, the seller agreed to repair it before settlement, saving them time and money. Always test everything you can-you don’t want to find out about problems after moving in.
Ensuring Contract Inclusions and Chattels Are Present
Your contract of sale will list all the items that should stay with the property, known as inclusions or chattels. These can include things like curtains, blinds, light fittings, and built-in appliances During your inspection, check that all these items are still in place and in good working order.
Sometimes, sellers accidentally remove items that should stay or forget to leave behind keys, remote controls, or instruction manuals. For example, a buyer once arrived to find the garage door remote missing, making it impossible to use the garage. By checking these details, you can avoid hassles on moving day.
If you notice anything missing or not working, let your agent know immediately. They can arrange for the seller to return items or fix any problems before you take possession of the property. This step ensures you get everything you paid for and that your new home is move-in ready
Verifying Repairs and Special Conditions
If your contract included any special conditions-like repairs, cleaning, or maintenance-make sure these have been completed as agreed. Bring a copy of your contract to the inspection and review each condition one by one Look for evidence that repairs have been done properly, not just covered up.
For example, if the seller agreed to fix a leaking tap or repair a broken window, test these during your inspection. If the contract required professional cleaning, check that the house is clean and ready for you to move in. Some buyers add a condition for carpet steam cleaning or garden maintenance, so check these areas as well
If you find that a repair wasn’t finished or a condition wasn’t met, talk to your agent or lawyer right away. They can negotiate with the seller to get the work done before settlement or adjust the sale price if needed. This protects your interests and ensures you get what was promised.
Inspecting for Pests and Structural Issues
Even if you had a pest inspection earlier, it’s smart to check for signs of pests during your pre-settlement walk-through. Look for evidence of termites, ants, or rodents, especially in hidden areas like cupboards, storage spaces, and the garage. If you spot anything suspicious, you can arrange for a professional pest inspection before settlement.
Check for structural issues as well, such as cracks in walls, uneven floors, or doors and windows that don’t open or close properly. These can be signs of bigger problems, like foundation issues or water damage. One buyer found a musty smell in a storage area during their inspection, which turned out to be a hidden leak. Catching these problems early can save you from expensive repairs down the road.
If you’re unsure about anything, don’t hesitate to ask for expert advice. Your agent can help you get a professional opinion if needed, and your lawyer can advise you on your rights if you find major issues.
Confirming Cleanliness and Presentation
When you move into your new home, you want it to feel fresh and welcoming. As part of your pre-settlement checklist, check that the property is clean and tidy, both inside and out The seller should remove all rubbish and personal belongings, leaving the house ready for you to move in.
Walk through each room and look for dust, dirt, or leftover items. Check the garden, garage, and outdoor areas for any debris or mess. Some buyers arrange for extra cleaning, like carpet steam cleaning, before moving in. This is easier to do while the house is empty and ensures a smooth start in your new space.
If you’re not happy with the cleanliness, talk to your agent. They can ask the seller to arrange additional cleaning before settlement. This small step can make a big difference in your moving experience.
Checking Insurance and Final Paperwork
Before settlement, make sure you have full home and contents insurance in place This protects your property from damage or loss from the moment you take possession. Some lenders require proof of insurance before they release your loan, so don’t leave this step until the last minute.
Double-check all your paperwork, including the sale contract, inspection reports, and insurance documents. Make sure you understand your responsibilities and know what to expect on settlement day. Stay in touch with your agent and lawyer to keep track of important dates and deadlines
A real-life tip: one family almost delayed their move because they forgot to arrange insurance in time. By staying organized and checking every detail, you can avoid last-minute surprises and enjoy a smooth transition into your new home.
Final Thoughts: Be Involved and Stay Informed
Buying a property is exciting, but it’s important to stay involved in the process right up to settlement day. Don’t rely entirely on your agent or lawyer-take an active role in checking every detail and asking questions if you’re unsure The homebuyer pre-settlement checklist is your tool for making sure nothing is missed.
Remember, this is your last chance to make sure your new home is exactly as promised. By following these steps and checking everything carefully, you’ll protect your investment and start your new chapter with confidence. The effort you put in now will pay off with peace of mind and a smooth move-in experience.
If you ever feel unsure, ask your agent or a trusted expert for help. With the right checklist and a careful inspection, you can look forward to enjoying your new home-knowing you made a smart and informed decision.
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