Navigating the home loan application process can be straightforward if you know what to prepare. Here’s a breakdown of our process from beginning to end:

Step 1 – Sign the Credit Consent Form:
To get started, you’ll need to fill out and sign our credit consent form. This allows us to check your credit profile and approach several banks on your behalf to secure the best home loan deal possible.

Step 2 – Gather Your Documents:
For fixed salary earners:
– 3 months of recent payslips
– 3 months of recent bank statements (showing salary deposits)
– Certified copy of your ID


For commission earners or self-employed applicants:
– 6 months of recent payslips (for commission earners) or proof of income (for self-employed individuals)
– 6 months of recent bank statements (business and/or personal)
– Certified copy of your ID
– Additional documentation may be required for self-employed applicants, such as business registration documents or financial statements.

Step 3 – Free Pre-Approval
Before moving forward, we offer a complimentary pre-approval to clarify your budget range, which also strengthens your offer when you find the ideal property.

Step 4 – We Prepare Your Application
With your consent form, documents, and pre-approval ready, we compile your application to ensure it meets all bank requirements and maximizes your chances of approval.

Step 5 – We Submit Your Application
We submit your application to various banks and home loan providers, comparing interest rates and terms to secure the most competitive deal available.

Step 6 – Bank Assessment
The bank then reviews your application, verifies your documents, and checks your credit profile. They may request additional information if needed.

Step 7 – Approval in Principle (AIP)
If your application is approved, the bank will issue an Approval in Principle, specifying your loan amount and interest rate, usually valid for a limited time.

Step 8 – Final Approval & Bond Registration
Once all conditions are satisfied (like property valuation), the bank grants final approval and appoints a bond attorney to register the home loan.

Step 9 – You’re Ready to Move!
When the bond is registered and the transfer process is complete, you officially become the owner of your new home.