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 Glossary
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T-Z

Tenants In Common
 Each tenant (or owner) owns a specified share of the land. Shares can be equal or unequal. Unlike joint tenants, there is no right of survivorship. Each share may be dealt with by sale, bequest, gift etc., as for sole ownership.

Term
 The period of time for which a loan is made.

Torrens Title
 A title to land under a government system of registration; titles are registered each time the property changes hands. Torrens Title is the most common land title in Australia.

Valuation
 A written report from a registered valuer giving an opinion on the value of a property.

Valuer
 A person qualified by education, training and experience to estimate the value of real estate and personal property.

Variable Rate Mortgage
 A mortgage where the interest rate fluctuates with "the market". The lender may raise or lower the rate at its discretion, usually in response to a change in the official rates set by the Reserve Bank of Australia.



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