How a consultation works
The planning process
Planning a home purchase works best when the steps come in the right order. Here is the path we follow together, from first conversation to a plan you can act on.
Short intake and document list
After you book, we send a short list of what to bring: a recent payslip or income record, statements for any existing loans, and a rough idea of the price range or area you are considering. Nothing is wasted in the session itself.
Build the affordability picture
We lay your income, debts and savings out in front of you and connect them to a target price band. You see which lever moves the result and by how much, so the plan that comes out is one you can run yourself rather than a black box.
Set the savings target and date
We turn the affordability picture into a dated deposit target and a monthly savings amount. The timeline is anchored to your real purchase date, not a round number.
Stress-test the plan
We test the plan against the things that go wrong — a rate change, a smaller bonus, an unexpected repair — and adjust the buffer so the plan survives a bad month without collapsing.
Written plan and follow-up review
You leave with the written schedule, the affordability ceiling, and every worksheet we produced together. A follow-up review three months later keeps the plan honest against what actually happened.
What to have ready
- Proof of income for each salary or revenue stream in the household.
- The latest balance on every loan or credit card you currently hold.
- One or two neighbourhoods, or a price band, you are seriously looking at.
- The date you are aiming to buy by — even a season of the year is enough.