A home sale, screen by screen
Sell property online: listing, signing and settling on screen
Much of a home sale now happens on a screen. The listing is a public web page, the contract may carry an electronic signature, the seller’s identity is checked before the transfer, and in several states settlement runs through an electronic network. Each of those screens has its own rules, written state by state, and official sources warn of scams that reach a sale along the way.
This is a guide to the digital sale, published by Dotto. It takes the five screens in the order a seller meets them and names the official page where each rule lives.
Dotto is not a real estate agent and does not provide real estate agency services.
General information about the rules, not legal advice. How a rule applies to a particular contract is a question for the seller’s own solicitor or licensed conveyancer.
Five screens, each with its rule and a warning
Each screen below pairs one rule or piece of official advice with a scam warning from an official source. The address at the top of each one is the government site the rule comes from.
- Source: consumer.vic.gov.auScreen 1 of 5 · Listing
The listing: a price on a public page
RuleIn Victoria, a price in a property advertisement is a single figure or a range of up to 10%, with no ‘from’, ‘offers above’, ‘+’ or similar words or symbols added.
Scam warningConsumer Protection WA describes a bogus buyer, said to be based overseas, who approaches a seller about the home they have on the market.
- Source: legislation.vic.gov.auScreen 2 of 5 · Signing
The signature: ink, or a typed name on a screen
RuleUnder Victoria’s Electronic Transactions Act, a transaction is not invalid merely because it happened wholly or partly through electronic communications.
Scam warningVictoria’s legal regulator says to pause before opening any link or attachment from someone you were not expecting to hear from.
- Source: land.vic.gov.auScreen 3 of 5 · Identity
The identity check: proving the seller is the owner
RuleIn Victoria, every party to a conveyancing transaction has to have their identity verified, and a lawyer or conveyancer acting for a client takes reasonable steps to verify it.
Scam warningQueensland’s Office of Fair Trading says scammers try to pose as the true owners of a property, and some properties have been sold without the true owners knowing.
- Source: registrargeneral.nsw.gov.auScreen 4 of 5 · Settlement
The settlement: money and title move in one network
RuleIn NSW, since 11 October 2021, every land transaction that has to be lodged with NSW Land Registry Services is done electronically.
Scam warningIn a January 2016 warning, Victoria’s legal regulator described scammers intercepting emails between clients and their solicitors and moving just before a large payment was due; it had not yet found the same fraud among Victorian clients.
- Source: scamwatch.gov.auScreen 5 of 5 · Payment
The payment: the account number in an email
Official adviceScamwatch: “Don't use the contact details in the email as they might have been changed by the scammer.”
Scam warningScamwatch: “One of the most common scams affecting Aussie businesses and their customers is the payment redirection scam.”
The address bar is the check
Victoria’s Legal Services Commissioner gives a check that works on all five screens: before paying a business online, confirm who you are dealing with by typing the business’s published web address into your browser yourself.
That is why each screen on this site carries the address of the government site it relies on. An address typed in by hand leads to the real page; a link in an unexpected message may not. The same regulator’s advice for a changed account number is to “call them to confirm”, using a number you already hold.
Which states, and what is left out
The rules here come from the official pages of NSW, Victoria, Queensland, South Australia, Western Australia, Tasmania and the ACT, and from Scamwatch. Each rule is stated for the state its source gives it for. The Northern Territory is not covered here.
Electronic settlement in Western Australia is outside this guide; Consumer Protection WA’s page on property settlement describes the process there.