 Well you know what Leanne, it's been such an exciting journey these last couple of weeks on Expresso because along with private property we've experienced the process of buying a home and today we are here to reflect and we are of course joined by our panel of experts. LaPoy from the Financial Aspects is head of home loans at Netbank. We're also joined by Lisa who's part of the legal side of things, a partner at Dykes Van Heerden and then we're also joined by Leanne from Hollards and that is to cover our insurance questions that we have Ladies, it is great to have you on Expresso Show. Well LaPoy, I need to ask you know we're giving our viewers a roundup of our first time home buyers experience. From your personal and professional point of view what is your final tip when it comes to approaching the home loan process? Yeah so Zoe I think getting to grips with one's monthly financial commitments is a good place to start and then I think first time home buyers should also take advantage of the online financial tools available like Netbank's Instant Bond Indicator. Okay so it's very important to take a look at your current finances before you make a commitment. Absolutely. And Lisa when it comes to preparing yourself for the legal process of things what is your final advice? Okay so firstly Zoe the first time buyer must surround himself with experts, legal experts or estate agents and become familiar with that offer to purchase that sale agreement. As I mentioned before Zoe it's a binding agreement between the buyer and the seller so once it's once it's signed there's no turning back also become familiar with the costs involved with buying and selling property that's very important and know the product that you're buying. Footstool is a strong protection the seller has so you're buying it as is with all the patents and latent defects so make sure you go into every single room you look at the financials of a scheme and understand the product that you're buying I think that's very important for first time buyers. And I think it's also important to go revisit the property you viewed you don't necessarily just have to view it one time before making that commitment. Of course. Now we all want some sort of insurance and this is my question to you we've touched on insurance but what is your final tip to our viewers? So buying a home is probably the single largest transaction anybody will undertake and really there's a lot of stress involved in that but having the home burned down once you're starting to pay for it is a proper disaster for most people and that's really where insurance is really effective. So one of the steps everybody should take is to meet with their financial advisor and broker and talk through things like life and disability insurance your homeowners and buildings cover as well as if you want protection against those latent and patent defects or home warranty. Insurance is very effective this way and can give you that peace of mind and we always say you know if you can't afford to insure it you can't afford to buy it. Oh that's true words indeed well I like that that's peace of mind and that's exactly what you ladies provided here today. So Le Poy, Lisa and Leanne thank you so much for your expertise advice on you know it's it's a quite a daunting process to buy your first property any property indeed. Well ladies thank you so much for your time and for joining us and private property they understand that buying a property can come at quite a hefty price now to help financially private property ran a competition along with this episode of the first time home buyer series on express away a viewer could win a 20,000 rand voucher and we finally have a winner. So on the line joining us congratulations to Zolofolo Bohata congratulations you won yourself that 20,000 rand. I can only ask you how does it feel? Oh any idea what you're gonna buy? No not yet. Not yet well listen congratulations for winning spend that money wisely but we are also happy for you so congratulations once again. Thank you so much I would just like to say thank you to private property and express away a lot. Oh thank you so much for that well we know that buying a home is an incredibly exciting process now if you have missed out on any of the episodes on the series be sure to go to privateproperty.co.co whether it's your first apartment in the city a trendy suburban townhouse or that dream family home on a gulf estate there's a home for everyone on private property