Property Financing · Service 14
Learn what may be involved when financing a home, from property documents to the lender's final assessment.
Who this may suit · Individuals
Homebuyers and eligible residential property investors.
Key considerations
General points to consider. Actual features and terms are set by each provider.
Down payment
Minimum contributions apply and depend on residency and property value.
Rate structure
Fixed, variable and profit-based structures behave differently over time.
Upfront costs
Valuation, registration and arrangement fees add to the cost of buying.
How we may assist
- 1
Enquire
Share what you're looking for with residential mortgages. No documents are needed at this stage. - 2
Clarify
We explain the typical information involved and answer your questions. - 3
Support
Where an authorised arrangement exists, we assist with the application to the provider. - 4
Decision
The provider alone decides on approval, pricing and terms.
Preparation
- Identification and residency documents
- Salary certificate or proof of income
- Bank statements
- Property details or sale agreement
This is general guidance. The exact list depends on the provider and product. Please don't send documents through this website.
Questions
Many lenders offer pre-approval, which is not a final offer.
Some lenders finance off-plan property with conditions.
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Important to know
Mortgage approval, loan-to-value and pricing are set by the lender and regulation. All financing and account applications are subject to the relevant provider's policies and approval.
Related
An enquiry is not a credit approval, quote, contractual commitment or bank application.
Your details are used only to respond to your enquiry, as described in our Privacy Notice. Marketing contact is always a separate, optional choice.