Start with affordability, not listings
Before choosing a property, map the deposit, purchase costs, monthly comfort level and a contingency. A lender pre-approval can then test the likely borrowing range against actual criteria.
The practical sequence
Each transaction differs, but most financed purchases follow a recognisable path.
- Initial profile review
- Lender comparison and pre-approval
- Property selection and sale agreement
- Valuation and final approval
- Final offer, transfer and disbursement
Keep the process connected
A mortgage broker coordinates the buyer, lender, valuation and transaction timeline so missing information is identified early rather than at transfer.
Educational information only—not financial advice, approval or an offer of finance.
