 So I'm here with LaPoy who's the executive head of Ned Bank Home Loans Digital and She just given a great talk at the show and I'd like to find out what kind of advice can you give people that are wanting to come To a show what can they expect at the property buyer show in K-Tar? So I was Amazed I think I told you guys earlier that I came here this afternoon Thinking that I would be the graveyard shift and I'm gonna be speaking to five people There is a lot of interest and a lot of first for knowledge in as far as what people need to consider We're buying the home for the first time. So I think there's a lot of activity in the exhibition hall And there are lots of people who can give really insightful feedback around some of the things to consider And I think from a bank's point of view This is the perfect opportunity for any bank to be involved in this kind of initiative because now we actually can Answer the real questions that people are asking. So when you come here ask lots of questions Make sure that you are Interrogating all those speakers. So give us a hard time And really kind of immerse yourself in the wealth of information that is available around us So that you have a better way of making informed decisions when buying your home. Awesome. Very good. So What are your top three tips for someone that's looking to bar? Right now So I would say first off do your research and use the available online tools that are available On various bank sites as well as all the originator sites the state agency sites things like calculators Pre-approval bond indicators estimators those really are going to give you the insights that you need to check How much you qualify for when it comes to a bond. The second thing I would focus on is knowing what the costs are All the costs up front costs like the banks fee the attorney fees Sauses fee everybody gets a cut out of this make sure you know what you're liable for and then lastly Make sure that you have enough money to cover for any incidental costs that occur after you move in So when you move in you got to find the mistakes You're gonna need the money to make sure that you can fix them And then you're also going to need ongoing income to support things like rates and taxes Which you might not have paid for Thank you so much for talking to us and give us some advice at the property by a show. It's an absolute pleasure. Thanks for having me Private property a home for everyone