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[Music] hi my name is Max and Im one of the lawyers at patella and legal so the topic that Ive been asked today to talk about is about settlement for first home buyers and someone is a really important time for everyone because thats a time when the buyers paid the rest of the money to the sellers and the sellers pass on the title or ownership of the property to the buyers and its a fairly important event and one that youll need to carefully prepare for so weve put together a series of commonly asked questions that we get from our clients and I thought Ill present them and hopefully address some of your queries as well so the first question is I already have a pre-approval what else do I need to do after the agreements gone gone unconditional well you need to talk to your broker because once the cream is gone unconditional your broker will need to prepare the loan documents and theyll need to work closely with a bank for that now after the cream is gone unconditional really th