CSA Valuers
Buying or selling a home is a very personal thing; unfortunately the process also necessitates the involvement of a number of people who simply see it as a business transaction. Where you see your large backyard as the place your kids grew up playing with the dog, a real estate agent can see a lot of maintenance and water usage for a potential owner; where you see the pergola as the first father-son project of the home, a conveyancer will want to see all of the paperwork and council approvals – which you have!
Bringing in a property valuer can be even more impersonal because where you see a home and life full of memories, they are looking for things which would appeal to a potential buyer, they’re measuring the rooms, the kitchens and the storage space and deciding whether your home could be wanted by anyone else.
This is where you will be able to see the value of a valuer who hasn’t forgotten that their clients are individuals, and that is CSA Valuers. Clem Scanlan & Associates pride themselves on being one of the smaller property valuers in South East Queensland, as this allows them to offer you individual attention, service and advice, rather than just an order number, a report and an invoice.
CSA has an established reputation in the property industry, as Clem Scanlan comes from a background as the director at Clayfield Estates, from which he decided to focus on specialised and expert property advice, and of course outstanding customer service. as a result, CSA can offer a range of valuations services including assessments for:
- Mortgage security. Before a mortgage is approved, a valuation of the property being financed must be provided to the lender. Some lenders have their own valuation companies which they use, however, if you have already had a CSA valuation completed so you know you are paying the right amount, check with your lender as the CSA report may be accepted by the lender, and you avoid double valuation fees.
- Pre-sale and pre-purchase valuations. The more information you have when in the position of buyer or seller, the better chance you have of striking a deal and agreeing on a price which your budget will be happy with. A current valuation report is one of the most credible documents you can have to determine the value of a property and can help you decide on a starting price for selling your home, or can save you tens of thousands of dollars and give you a strong negotiating weapon when you’re buying.
- Capital gains tax obligations. The last thing you want to do when you’re selling your home is pay too much tax – there are plenty of other costs involved without having to worry about capital gains tax. That is why CSA can help you determine your CGT obligations, as the tax applies to all investment properties which were purchased after September 1985. Capital gains tax is charged on the sale of an asset when that asset is sold for more than its sale price – so you are taxed on your profits. You therefore need to be able to calculate the increase in value the property has seen over the period you have owned it, and a current or retrospective valuation can determine the exact increase and the amount of CGT payable when you sell.
- Stamp duty. Stamp duty is paid on the transfer of an asset and is a percentage of the purchase price, so an accurate valuation of the property is necessary. CSA Valuers are also experienced with stamp duty calculations for properties which are passing between friends or relatives, when the sale and calculations need to be objective.
- Deceased estate. When a property has been bequeathed in a will, an accurate value is needed in case executors and beneficiaries need to divide or sell the asset. An independent CSA valuation helps to avoid disputes within the family.
- Calculating compensation. If all or part of your property needs to be compulsorily acquired due to a road widening or new development, you will be compensated for the value of the property and CSA can calculate full take or partial take valuations.
- Insurance purposes. In order to adequately insure your property you need to be able to provide the insurance company with an accurate valuation based on the size of the property and any improvements such as buildings or houses. CSA can conduct residential assessments, as well as industrial or commercial assessments. CSA Valuers also carry out Insurance Advice Reports for Bodies Corporate to determine the correct level of insurance cover required for all buildings and common property forming part of a particular scheme. The assessment takes into consideration the type of construction of the buildings (residential/commercial/industrial/retail), individual lots sizes, demolition costs, construction costs, consultants fees, cost escalation and GST. The assessment also includes a percentage of the overall scheme for each individual unit.
- Family laws valuations. In the case of a relationship breakdown a third party valuation can be both necessary and welcome as an unbiased way for divorcees or defactos to determine the value of their property assets. CSA can work on behalf of both parties, or just one if each person seeks their own valuation.
- Progress payment inspections. In the course of building a new home or commercial property there are certain points where the lender will pay the contractors from the construction loan, for example at the completed slab, the frame and roof, the internal linings and completion. CSA can officially confirm the amount of work carried out at each stage.
There is no doubt that your home is one of the biggest investments you have and will ever make and whether you are buying, selling or transferring property to another family member, you want to make sure the process is handled professionally and correctly, not only to ensure the value of the property is honoured, but also to ensure your legal and tax obligations are met as well.
Therefore, if you need to request a valuation or are seeking a quote for residential or commercial property valuation services in South East Queensland, enquire now through the CSA Valuers website at www.csavaluers.com.au/.
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- Investment Valuation
- How to Value Commercial Property
- Home Loan Finder Property Valuation Awards 2010
- How to get a Free Online Property Valuation
- Brothers & Newton – Opteon
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