Blog

September 7, 2026

• 

• Buying a property with someone else is an exciting milestone, whether you’re purchasing with a spouse or partner, investing with a family member, or buying alongside a friend. But there’s an important decision that can easily get lost among finance approvals, building inspections, ... Read more Joint Tenants vs Tenants in Common in WA: What’s the Difference?

August 7, 2026

• 

• Buying or selling property can feel like navigating unfamiliar territory, especially when legal terms start appearing throughout the process. One phrase that often causes confusion is vacant possession. It sounds straightforward, but it has important legal implications that can affect settlement, your final ... Read more What Is Vacant Possession? Understanding Your Rights and Responsibilities Before Settlement

July 8, 2026

• 

• Settlement day is one of the most anticipated moments in any property journey. For buyers, it is the day the keys are finally within reach. For sellers, it is often the moment everything comes together after weeks of inspections, paperwork, open homes and ... Read more 17 Reasons Property Settlement Gets Delayed (And How to Avoid Them)

June 5, 2026

• 

• Settlement day is an exciting milestone. The funds have been transferred, ownership has changed hands, and the keys are finally yours. After weeks or even months of searching, negotiating, organising finance, and preparing for settlement, it can feel like the journey is complete. ... Read more What Happens After Settlement? Your First 30 Days as a Property Owner

May 11, 2026

• 

• For many buyers, the excitement of finding the right property can move quickly. An offer is prepared, negotiations begin, and before long, contracts are being signed. However, one of the most common mistakes buyers make is waiting until after the contract is signed ... Read more Why You Should Speak to a Settlement Agent Before Signing a Contract

April 10, 2026

• 

• Settlement day is one of the most important moments in your property journey. It is the day ownership officially changes hands, funds are transferred, and everything becomes real. But for many buyers and sellers, it is also one of the most misunderstood parts ... Read more What Actually Happens on Settlement Day?

March 8, 2026

• 

• Buying a home is one of the most exciting milestones in life. From finding the right neighbourhood to imagining how you will make the space your own, it is easy to focus on the purchase price alone. However, many buyers are surprised to ... Read more Hidden Costs of Buying Property in WA

February 18, 2026

• 

• 2026 will bring important changes to how property professionals operate in Australia. If you are buying or selling a home, you may hear terms like AML/CTF obligations or AUSTRAC compliance mentioned more often. At Mosaic Settlements, we believe it is important for our ... Read more What Western Australian Property Buyers and Sellers Should Know About AML/CTF Reforms

January 8, 2026

• 

• Welcome to 2026. A new year brings fresh energy, new goals, and exciting opportunities, and the team at Mosaic Settlements is ready for what lies ahead. Whether this is the year you buy your first home, sell a long-held property, or plan your ... Read more Happy New Year 2026 from Mosaic Settlements

December 9, 2025

• 

• As the year winds down and Perth gets that unmistakable summer sparkle, the Mosaic Settlements team is feeling extra grateful. The 2025 property market has been fast-paced, full of milestones, and at times a little bit wild. Through it all, we have loved ... Read more Merry Christmas from Mosaic Settlements

November 6, 2025

• 

• Most property settlements in Western Australia proceed smoothly, but every now and then, a delay occurs. When that happens, buyers and sellers are often surprised to learn that penalty interest may apply. At Mosaic Settlements, we know that penalty interest can feel confusing ... Read more Penalty Interest Explained: What Happens When Settlement Is Delayed?

October 7, 2025

• 

• Buying a home is one of life’s biggest milestones. Between finance approvals, inspections, and settlement, it’s easy for deadlines to sneak up on you. One date you simply cannot afford to miss is your deposit payment. Your deposit is more than a show ... Read more Why Paying Your Deposit on Time Really Matters

September 8, 2025

• 

• Scams have come a long way since the days of the infamous “Nigerian Prince” emails. Those early attempts were easy to spot, but modern scams are highly sophisticated and specifically designed to build trust. No industry is immune, and property settlements have become ... Read more Scam Awareness and Protecting Your Property Settlement

August 4, 2025

• 

• When you’re buying or selling a property, the word disbursements often appears on your final statement. But what exactly are disbursements, and why are they important? At Mosaic Settlements, we’re often asked to explain this part of the process. So, let’s take a ... Read more What Are Disbursements and Why Do They Matter in Your Property Settlement?

July 7, 2025

• 

• At Mosaic Settlements, we know that the journey to owning your new home is full of important steps, and one of the final ones is your pre-settlement inspection. This inspection is your opportunity to ensure the property is in the condition you agreed ... Read more Your Pre-Settlement Inspection and What to Know Before You Pick Up the Keys

June 7, 2025

• 

• When it comes to purchasing your next home, it’s easy to get swept up in the finer details, such as polished benchtops, freshly painted walls, and stylish fittings. But before you fall in love with the finishes, it’s important to take a step ... Read more Consider These 6 Key Factors Before You Buy Land

May 6, 2025

• 

• At Mosaic Settlements, we know that while most property transactions aim for a quick and tidy settlement, sometimes extra time is simply necessary. Buyers and sellers alike are often eager to finalise the process, but rushing it can lead to unexpected delays, stress, ... Read more When More Time Matters: 5 Reasons You May Need to Extend Your Settlement Period

April 9, 2025

• 

• Western Australia’s State Government has unveiled new reforms aimed at making it easier for first home buyers and off-the-plan purchasers to enter the property market. If you’ve been considering buying your first home or investing in an off-the-plan property, this is news you’ll ... Read more Big Changes Coming in 2025 for First Home Buyers and Off-the-Plan Purchasers

March 9, 2025

• 

• The Reserve Bank of Australia (RBA) has officially lowered the cash rate by 25 basis points to 4.10% following its latest monetary policy meeting. This move was widely anticipated, given the continued decline in inflation, and it marks a significant moment for property ... Read more RBA Cuts Interest Rates: What It Means for Home Buyers and Sellers

February 7, 2025

• 

• Exciting news for first home buyers in Western Australia! The State Government has raised the Home Buyers Assistance Account (HBAA) purchase limit from $400,000 to $500,000, reflecting the rising property market and making homeownership more accessible. At Mosaic Settlements, we understand that buying ... Read more Home Buyers Assistance Account Limit Increased to $500,000 – Helping First Home Buyers in WA

January 6, 2025

• 

• Welcome to 2025! The team at Mosaic Settlements wishes you a joyful and successful year ahead. With a new year comes fresh opportunities, and we’re excited to help you achieve your property goals. Ready to Kickstart 2025 After a rejuvenating Christmas break, our ... Read more Happy New Year from Mosaic Settlements!

December 9, 2024

• 

• As the year comes to a close, the team at Mosaic Settlements would like to extend our warmest wishes to all our clients, partners, and loved ones. The festive season is a time for celebration, reflection, and gratitude, and we are truly thankful ... Read more Wishing You a Joyful Holiday Season from Mosaic Settlements

November 6, 2024

• 

• Perth’s property market is buzzing as new listings reach record levels this Spring, presenting promising opportunities for both buyers and sellers. At Mosaic Settlements, we understand that market timing and trends play a critical role in property transactions, and the current conditions in ... Read more New Opportunities in Perth’s Property Market Surge

October 7, 2024

• 

• Selling a property that has tenants in place adds a layer of complexity to the settlement process. With proper planning, however, it doesn’t have to be a stressful experience. At Mosaic Settlements, we’ve outlined key considerations to help ensure the smooth transfer of ... Read more Navigating the Settlement Process for Tenanted Properties

September 7, 2024

• 

• Selling your home can be a complex process, and missteps along the way can cause unnecessary stress and financial setbacks. At Mosaic Settlements, we understand the challenges sellers face. To help you avoid common pitfalls and ensure a smooth settlement, we’ve compiled some ... Read more Avoid These Common Mistakes When Selling Your Property

August 6, 2024

• 

• At Mosaic Settlements, we understand that the Reserve Bank of Australia’s (RBA) recent decision to hold interest rates steady is a critical development for Perth home buyers. Here’s a breakdown of what this means and how it impacts your home-buying plans. RBA’s Current ... Read more RBA Holds Rates Steady: What This Means for Perth Home Buyers

July 7, 2024

• 

• At Mosaic Settlements, we understand that purchasing a home during the winter months in Perth presents a unique mix of challenges and opportunities. While the cooler season is often seen as the “off season” in real estate, it comes with distinct advantages such ... Read more Our Guide to Buying a Home in Winter

June 6, 2024

• 

• At Mosaic Settlements, we recognise the pivotal question many buyers, particularly first-time homeowners, grapple with: How much should I spend on a house? This dilemma is not just about numbers; it’s about securing a stable financial future while fulfilling homeownership dreams. When contemplating ... Read more Understanding Home Affordability

May 6, 2024

• 

• In follow up to our First Homebuyer Playbook, we’ve created the blog post below to cater for updated initiatives. Unlocking opportunities Embarking on the journey to homeownership can feel daunting, but did you know about the plethora of State and Federal initiatives available ... Read more Empowering Home Buyers: Navigating State and Federal Initiatives

April 5, 2024

• 

• Perth’s real estate landscape witnessed a remarkable milestone in March as the median house sale price soared to an unprecedented high of $620,000, as per the latest data from REIWA. The surge wasn’t confined to houses alone; the median unit sale price also ... Read more Exploring Perth’s Rising Property Prices with Mosaic Settlements

March 5, 2024

• 

• As the world comes together to celebrate International Women’s Day, we at Mosaic Settlements take immense pride in honouring the remarkable achievements and contributions of women everywhere. Today, we shine a spotlight on our talented team of women, whose dedication, expertise, and passion ... Read more Celebrating International Women’s Day 2024: Empowering Excellence with Mosaic Settlements’ Talented Team

February 5, 2024

• 

• In an era where digital transactions reign supreme, Mosaic Settlements is proud to announce our integration of DocuSign, a transformative solution designed to revolutionise how we handle documents for our valued clients. With DocuSign, we’re not just streamlining processes; we’re prioritising safety, convenience, ... Read more Mosaic Settlements Adopts DocuSign for Seamless Document Processing

January 6, 2024

• 

• As the clock strikes midnight, ushering in a brand new year, it’s the perfect time to reflect on the past and set our sights on the promising future that lies ahead. At the heart of this exciting journey is the anticipation of new ... Read more Embracing a Mosaic of Opportunities in 2024

December 7, 2023

• 

• As the holiday season approaches, Mosaic Settlements warmly embraces the Christmas spirit with open hearts and deep gratitude. The twinkle of lights, festive decorations, and the warmth of summer in the air signal that it’s time to celebrate the joy of giving. This ... Read more Season’s Greetings and Deep Appreciation from Mosaic Settlements

November 6, 2023

• 

• The world of real estate might seem like a giant, intimidating puzzle when you’re in your twenties and looking to score your first dream home. But no worries, Mosaic Settlements have got your back! With the right game plan and a sprinkle of ... Read more 20-Something and Ready to Buy? Here’s Your First Homebuyer Playbook!

October 7, 2023

• 

• In today’s hyper-connected digital world, the significance of cyber security cannot be overstated. As we go about our daily lives, conducting various transactions and communications online, safeguarding our personal information and sensitive data has become more critical than ever. Like many organisations, Mosaic ... Read more The Importance of Cyber Security: A Reminder for Everyone

September 7, 2023

• 

• Illegal building, encompassing unapproved additions or modifications to a property, presents significant financial and legal risks to potential property buyers in Perth. Roughly 30% of building assessments in Perth uncover various forms of illegal construction, underscoring its prevalence in the local real estate ... Read more Understanding Illegal Building in Perth: 3 Key Considerations for Home Buyers

August 8, 2023

• 

• Investing in property can be an exciting and cost-effective way to secure your future, but unfortunately, it can also leave many investors feeling anxious or overwhelmed. However, with a little bit of knowledge and expertise on your side, subdividing land needn’t be such ... Read more Unlocking the Secrets of Stress-Free Subdivision Settlement

July 6, 2023

• 

• Selling a property that is currently occupied by tenants requires careful consideration. To minimise potential setbacks during the settlement process, below are some actionable tips for property settlement agents and sellers to adhere to. Include a special condition in the contract To sell ... Read more Actionable tips for the smooth settlement of tenanted properties

June 6, 2023

• 

• The land conveyancing process in Western Australia is set to undergo a significant change on 7th August 2023. The implementation of the Transfer of Land Amendment Act 2022 will bring about the removal of Duplicate Certificates of Title (Duplicate Titles). This move aligns ... Read more Removal of Duplicate Titles in Western Australia: A Move towards Streamlined Conveyancing

May 5, 2023

• 

• Are you considering buying an apartment? Navigating the complexities of strata settlements can be daunting. Fortunately, there is help available that can make this process smoother and more efficient – a Strata Settlement Agent in Perth. At Mosaic, we understand how overwhelming it ... Read more Navigating the Complexities of Strata Settlements in Perth: How a Settlement Agent Can Help

April 6, 2023

• 

• Are you in the process of finding a reputable settlement agent in Perth, Western Australia? You can stop your search now because Mosaic Settlements is here to help. Our experienced team of conveyancing experts are fully equipped to assist with all your property-related ... Read more Our Reputable Conveyancing Team Use PEXA

March 6, 2023

• 

• Are you looking for professional settlement agents in the Perth northern suburbs? If so, we can help! Contact Mosaic Settlements today to learn more about how we can help with your property settlement needs in the Perth northern suburbs. Based in Balcatta, Mosaic ... Read more Settlement Agents Perth Northern Suburbs

February 6, 2023

• 

• Buying or selling a property can be a complex and confusing process, especially for those who are unfamiliar with the overarching aspects of the transaction. This is where settlement agents come in – they play a crucial role in ensuring that the settlement ... Read more Mosaic Settlements: A Leading Female Owned Settlement Agent in Perth Western Australia

January 4, 2023

• 

• Are you looking for first-class property conveyancing in Perth? If so, you’ve come to the right place! Here at Mosaic Settlements, we pride ourselves on providing our clients with the highest quality service possible. We understand the importance of making sure your property ... Read more Where to Find First-Class Property Conveyancing in Perth

December 7, 2022

• 

• Divorce or separation from a partner is one of the most difficult things to go through, not only because of the immense emotional toll but also because there are many legal and practical considerations to worry about. Here’s where Mosaic Settlements will come in ... Read more Court Order Property Settlement

November 7, 2022

• 

• First up, what to look for in a real estate settlement agent When you’re buying or selling property, it’s important to choose a settlement agent who will help make the process as smooth and stress-free as possible. Here are some things to look ... Read more The Benefits of Using a Real Estate Settlement Agent

October 6, 2022

• 

• If you’re looking for conveyancing in Perth, you’ll want to check out Mosaic Settlements. We’re a settlement agency that specialises in making the process of settling your property simple and easy. We use our experience and knowledge to support our clients and provide ... Read more Property Settlement Agents Perth Locals Can Rely On

September 7, 2022

• 

• First up, what is Residential Conveyancing? Residential conveyancing is a legal process that involves the transfer of property ownership from one party to another, regardless if you’re buying or selling. Residential Conveyancing – What You Need to Know If you’re buying or selling ... Read more Residential Conveyancing in Western Australia – What You Need to Know

August 3, 2022

• 

• When it comes to buying or renting a property in Western Australia, it’s important to be aware of the state law requirements for RCDs and smoke alarms. All dwellings in WA must have a minimum of two RCDs installed before a property can ... Read more Buyers’ Rights and Sellers’ Obligations Regarding RCDs and Smoke Alarms in WA Properties

July 6, 2022

• 

• As a settlement agent Perth locals can rely on, we regularly answer questions about finance pre-approval and how crucial it is when buying a property. Finance pre-approval can provide home buyers with a competitive advantage in the property market. Read on below for more ... Read more What is Finance Pre-Approval and Why is it Important?

June 6, 2022

• 

• If you’re selling or buying a property in Western Australia, you’ll need to appoint a conveyancer to assist you with the transaction. If you’ve ever asked yourself “what does a conveyancer do?” then read on and educate yourself with the information below. What ... Read more What does a Conveyancer do?

May 5, 2022

• 

• Property settlement is the finalisation of a real estate transaction between a buyer and a seller. As part of the overall transaction, it is recommended that a buyer should carry out a thorough inspection of the property. This inspection is the buyer’s opportunity ... Read more The importance of a Final Inspection

April 7, 2022

• 

• Diving into the real estate market for the first time can be daunting. When it comes to the First Home Owners Grant and associated rebates, you can rest assured that your mortgage broker and settlement agent have got your back. With constant changes ... Read more First Home Owners Grant – What You Need to Know

March 7, 2022

• 

• There is so much to handle with the sale of a property, whether you’re arranging the disconnection of utilities or dealing with furniture removal companies. In a nutshell, the sales process can be a very stressful time for you and your family. Your ... Read more How to Arrange Discharge of Mortgage

February 7, 2022

• 

• Are your parents selling the family home? Or perhaps they’re preparing to offload their getaway pad in the country. Maybe the shoe is on the other foot and you’re wanting to downsize into your adult child’s apartment before it goes to market. Whatever ... Read more What you need to know when buying a house from a family member

January 18, 2022

• 

• With the WA border about to open up, and our families spending more time at home during the Summer months as a direct result, owning a pool certainly has its advantages! If you’re of the opinion that a house is not a home ... Read more Summer’s here! What you need to know about selling a home with a pool

December 6, 2021

• 

• With all the technical terms involved in property transactions, we thought we’d take the time to explain a matter that we do come across from time to time. In this blog post, we discuss the important things you need to know when it ... Read more Power of Attorney: Important Things to Know

November 4, 2021

• 

• When conveyancing properties, Mosaic Settlements has an eye for detail. Our careful approach ensures that our clients are best looked after. A recent example of this eye for detail involved saving a client from paying double stamp duty on a contract. We take ... Read more Avoiding Double Stamp Duty

October 6, 2021

• 

• When selling a property in Western Australia, a disclosure statement is not mandatory. If you’re asking yourself, “What do I have to disclose when selling a house?”, we’re hoping this blog post can help guide you. What Do I Have To Disclose When ... Read more What Do I Have To Disclose When Selling A House?

September 6, 2021

• 

• Separating from an ex-partner or getting divorced is often a difficult time to live through. On top of that, not being able to fully agree with your ex-partner on property settlement can make things worse. Whether you and your ex-spouse are going separate ... Read more Family Law Property Settlement in Perth

July 7, 2021

• 

• Is your moving day just around the corner? As settlement agents, we know that moving house is one of the most stressful events you can put your family through. Having said that, there’s a lot you can do to make the process easier. ... Read more Tips for Moving House

June 7, 2021

• 

• If you’re in the early stages of separation, you probably have some questions about divorce and property settlement. First of all, divorce and property settlement are two separate legal processes. With this in mind, we hope this blog post can help provide you with ... Read more Divorce and Property Settlement

May 6, 2021

• 

• There’s no place like home, especially if you’re talking about our patch of paradise here in Western Australia. Buying a home in Perth will be one of the most important decisions you’ll make in your life, so it makes sense to be informed ... Read more Buying a Home in Perth

April 8, 2021

• 

• Did you know that March saw Australian home values record their fastest monthly growth in over 3 decades? A nationwide increase of 2.8% resulted in the Reserve Bank of Australia deciding on Tuesday April 6, that our official interest rate should remain at ... Read more How To Save Money For a House

March 5, 2021

• 

• Did you know that economists are predicting Perth housing prices to jump by 12% in 2021? This prediction will see the Perth property market outperform all Australian capital cities this year, with a predicted $48,000 to be added to Perth median house prices. ... Read more Perth Property Market in 2021