Before buying: what to prepare

Photo ID or passport; immigration/residency documents where relevant.
Proof of income, recent payslips, bank statements and tax records as required by the lender.
Existing loan/commitment information and an honest monthly budget.
Funds for down payment and transaction costs; ask a lawyer about fees and duties.
Shortlist, viewing notes, property title restrictions and condition checks.
Get an independent lawyer to explain SPA and loan documents before signing.

These are planning checklists, not legal documents. The SPA and facility/loan agreement must be prepared and reviewed by qualified lawyers and banks.

Free property guides

Mortgage payment calculator ↗

Estimate monthly instalments and initial cash before talking to a bank.

Buyer document checklist ↗

Prepare for loan screening, due diligence and a lawyer-led purchase.

Seller document checklist ↗

Organise title, balance loan and property details before marketing.

How to proceed

Start with the checklist, compare options, confirm availability and only then discuss the exact legal and financing details with qualified professionals.

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