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A formal document including special signing requirements recording an agreement, obligation or conveyance of property.

Deeming rates

The Federal Government sets the deeming rates based on assumed rates of return on financial investments.


When purchasing a property, the buyer normally pays a deposit at the time of exchanging contracts. It is normally between 5-10% of the total purchase price.

Direct Debit

A direct debit is a transfer of funds from your St.George account drawn under a direct debit request you have given a third party.