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Find out the steps you need to follow after your mortgage application has been approved, so that you get your new property hassle-free.

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Find out the steps you need to follow after your mortgage application has been approved, so that you get your new property hassle-free.

Steps to Buying a Home

Follow these 6 steps to complete your home purchase journey

Unchecked Step 1, Find out current mortgage policiesUnchecked step 2, Check what you can affordUnchecked step 3, Search for propertiesUnchecked step 4, Sign Sales & Purchase AgreementUnchecked Step 5, Choose the right mortgageChecked Step 6, Complete the home-buying process

Step 6: Complete the home-buying process
Sign the Formal Sale and Purchase Agreement

Once you have signed the Formal Sale and Purchase Agreement, you will need to make the following payments via your solicitor:

  • Full deposit (Together with the initial deposit paid, the total deposit will normally equal to 10% of the property price)
  • Government stamp duty
Mortgage application is approved
  1. Your solicitor will arrange for the signing of the Assignment Deed and Legal Charge
  2. Property inspection is recommended to better understand the condition of the property
Draw down your mortgage
  1. Your solicitor will notify us to disburse the mortgage loan amount to the seller via their solicitor
  2. Once the transaction is completed, you will receive the keys to your new property and the home-buying process is completed.

To borrow or not to borrow? Borrow only if you can repay!