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Monday 9:30am - 4:30pm Tuesday 9:30am - 4:30pm Wednesday 9:30am - 4:30pm Thursday 9:30am - 4:30pm Friday 9:30am - 4pm

Settlement Talk

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Fremantle, WA
Settlement Talk

Settlement Talk is a boutique settlement agency located in Fremantle which is owned & operated by Sue Trigg
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Buying a new home or selling a property is an exciting moment as you look towards the future. The most important aspect before either can occur is the conveyancing process. This involves finalising the settlement and transfers the property from one individual to another. Settlement Talk is an experienced property settlement agency in Perth providing professional services. Property settlements can

be a rather complicated process from preparing documents to submitting the paperwork. Working with a professional can easily avoid any hassles instead of doing it yourself. Whether you are buying or selling property, we provide professional services to high standards. Sue Trigg is our Licensed Conveyancer with over 25 years of experience in the industry. With our services, we handle every aspect of the property transaction for a smooth settlement. Our commitment is providing outstanding and personalised services with professionalism and integrity. Call us today to discuss your settlement requirements with our expert team.

06/09/2026

When it comes to protecting your settlement funds, there’s no such thing as too many people paying attention 👀

Your settlement agent. Your finance broker. Your bank. And, importantly, YOU.

We all have a role to play, and the recent scam we talk about in this carousel that saw a WA mum almost lose $1.2m is such a powerful example of why having the right team around you matters 💪

One person noticing something that doesn't quite add up. One extra phone call. One more check of an email address or bank account details. Any of these little things can be the difference between a scam succeeding and being stopped in its tracks.

So, when we ask you to call and verify details, or your bank asks a few extra questions before processing a large transfer, please don't see it as an inconvenience 🙌

We WANT everyone involved in your transaction to be triple-checking.
We want someone to speak up if something looks unusual.
We want you to feel completely comfortable stopping the process and asking questions, too.

When hundreds of thousands (or even millions) of dollars are changing hands, being overly cautious is exactly where we all need to be 🔐

03/09/2026

No one really warns you that settlement day can feel a little... bittersweet 🥹 You can be incredibly excited about what's coming next AND still feel a little sad about closing the door on a home that's been such a big part of your life.

🩷 Maybe it was your first home.
🩷 The house you brought your babies home to.
🩷 The place where your kids grew up.
🩷 Or simply somewhere that holds years and years of memories.

And even when the move is something you've been looking forward to for months, it's completely normal for those emotions to hit as settlement gets closer and handing over the keys suddenly becomes very real.

So, if you're simultaneously counting down the days AND wondering why you're feeling unexpectedly emotional... you're definitely not alone 🫶

Property journeys aren't just about contracts, paperwork and settlement dates. They're about people, homes and all the life that happens inside them, and it is an absolute *honour* to be a part of yours!

Have you ever ridden that rollercoaster of emotions before settlement? 🎢 We'd love to hear about it 👇

01/09/2026

Thinking about buying an investment property through your self-managed super fund (SMSF)? There’s been a BIG change you need to know about 👀🏡

From 10 August 2026, new SMSF borrowing arrangements used to purchase real property are generally restricted to “business real property” 🤔

In simple terms? If your SMSF needs to BORROW to purchase a residential investment property, the rules have changed significantly.

Importantly, this doesn't mean SMSFs can no longer own residential property. The change specifically relates to new Limited Recourse Borrowing Arrangements (LRBAs) used by SMSFs to acquire property.

But the thing is... “Business real property” has a specific legal meaning. Simply buying something labelled a commercial or rural property doesn't automatically mean it qualifies, and the property generally needs to remain business real property for the life of the loan.

So, our biggest message? 👉 If you're considering buying property through your SMSF, particularly where borrowing is involved, get your accountant, financial adviser, lawyer and finance broker involved BEFORE signing on the dotted line 📝

For our real estate and finance friends, this is also one to have on your radar when speaking with SMSF buyers. Spotting it early gives your client the opportunity to get the specialist advice they need before progressing too far into a transaction.

As settlement agents, we can't advise you on whether a particular SMSF structure complies with these rules, but we can work alongside your advisers to make sure the settlement itself reflects the advice you've received.

Another property rule change worth knowing about... and another reason having the right team around you matters 🙌

28/08/2026

Happy Birthday to the one and only Sue! 🎉

We know she won't love us making a fuss (and she'll probably tell us off for this post later 🤭), but some people are simply too special not to celebrate.

Sue has an incredible way of making everyone around her feel supported, valued and cared for. Whether you're a client, a colleague, a referral partner or a friend, if you've been lucky enough to be in her orbit, you'll know exactly what we mean.

Sue, we hope today is filled with all the love, laughter and celebration that you so freely give to everyone else. You deserve every bit of it 🩷🥂🎂

26/08/2026

Happy Birthday to the wonderful Kelly! 🥳🎉

We hope you have the most amazing day because you *absolutely* deserve it (and more)!

Thank you for everything you do for our clients and our team. Your kindness, dedication and genuine care make such a difference, and we're so lucky to have you as part of the Settlement Talk family.

Happy Birthday, Kelly! 🩷

24/08/2026

Scammers rely on creating a sense of urgency 🚨

"Settlement is today."
"Your bank details have changed."
"Please action this immediately."

When you're buying or selling a home, those messages can feel convincing because everything is time-sensitive.

That's why one of the best ways to protect yourself is surprisingly simple:
⏸️ Pause before you act.

If you receive an email asking you to transfer funds, update bank details or click a link, don't rush. Instead...
✔️ Call your settlement agent using a trusted phone number (not the number in the email)
✔️ Verify any changes verbally before making a payment
✔️ If something doesn't feel right, trust your instincts and re-confirm

A quick phone call could save you from a very costly mistake.

Know someone who's buying or selling a home? Share this with them - it could help protect them from becoming the next target 🩷

23/08/2026

From the moment your offer is accepted, there's a lot happening to get you from "Sold" to "Settled" 🏡

While every transaction is different, here's what a typical 28- to 56-day settlement period often looks like...

📅 Offer accepted. Your conveyancer will get to work - for our clients, this starts with our Conveyancing Concierge onboarding, followed by your AML/identity checks, before we send our preliminary settlement documents to you. It's important to action all of these items are they're received to ensure a smooth onboarding process 🙌

📅 Finance. Your broker & lender work towards formal approval and prepare your loan documents.

📅 Inspections. Building, timber pest and any other inspections are completed (if required under your contract).

📅 Paperwork. Settlement = lots of paperwork. You'll have documents to sign with both your bank and your conveyancer while we coordinate with the seller's representatives, your lender, Landgate and PEXA to prepare for settlement.

📅 Settlement day. Woohoo 🥂 Funds are exchanged, ownership is transferred, and your transaction is officially complete.

📅 Key handover. The moment you've been waiting for... It's time to collect the keys and start making your new house a home.

Every property transaction is a little different, but one thing stays the same: there's a lot happening behind the scenes to make settlement day as smooth as possible.

Which stage of the home buying journey surprised you the most? We'd love to hear about your experience in the comments below 👇

20/08/2026

House hunting is a whole lot more enjoyable when you know what you can actually afford 🏡

That's where finance pre-approval comes in.

While it isn't a guarantee that your loan will ultimately be approved, pre-approval gives you a much clearer understanding of...
✔️ Your likely borrowing capacity
✔️ What your repayments could look like
✔️ A realistic budget when searching for your next home

It can also put you in a stronger position when you're ready to make an offer, because you'll already have much of the groundwork with your lender completed.

Just remember... pre-approval isn't the final step. Your lender will still need to complete their full assessment, including reviewing the property you're buying and confirming nothing has changed in your financial circumstances.

If you're planning to start house hunting soon, speaking with a mortgage broker or lender before you fall in love with a property can save you time, disappointment and unnecessary stress later.

Have questions about buying your first home or the settlement process? Pop them in the comments or send us a DM! And if you need an intro to a broker, we work with some amazing ones, and we'd be happy to connect you 🙌

18/08/2026

You’ve got your building report back, and suddenly you’re staring at the words: “High moisture reading detected behind shower” 😳

This exact scenario comes up all the time. In many cases, elevated moisture readings around showers are caused by deteriorated grout or sealant.

And in those cases, here’s the part that often surprises buyers 👇

Under the standard structural inspection conditions used in WA contracts, this is generally not considered a major structural defect, which means it typically doesn't trigger an obligation for the seller to repair it.

That doesn’t mean you ignore it completely. It may still be something worth investigating further or budgeting for down the track, but it’s a great example of why it's so important to understand the difference between:

🏠 Something mentioned in a building report
vs
🏠 Something that gives rights under your contract

Building reports can be full of unfamiliar terms and comments that sound alarming at first glance. Understanding what's covered and what's not is the first step, and we're here to help you with that!

If you've got questions about what your report actually means in the context of your contract, we're always happy to help explain it in plain English 🏘️

Address

72 Cantonment Street Fremantle/BY APPOINTMENT ONLY
Fremantle, WA
6160

Opening Hours

Monday	9:30am - 4:30pm
Tuesday	9:30am - 4:30pm
Wednesday	9:30am - 4:30pm
Thursday	9:30am - 4:30pm
Friday	9:30am - 4pm

Website

http://settlementtalk.com.au/

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