The Home Purchase Journey at a Glance

Home purchasing made simple for first-time buyers – here is a roadmap outlining the key steps to purchasing a home. You can find everything from budgeting, site visits and signing the provisional agreement to applying for a mortgage, receiving the keys and taking possession of the property, along with tips on the documents and funds required.

Purchasing a home is a major life decision. The whole process—from choosing a property to obtaining a mortgage, including preparing the application documents, to appointing a solicitor and arranging other finances—can be challenging, especially for beginners. Here is an easy guide to explain the process so that you can be more confident in your home ownership journey.

Further reading: Decoding Mortgage Interest Rates:"H-based", "P-based" and Fixed Rate Plans

Note: Mortgage loan approval is subject to the applicant's personal circumstances and the applicable terms and conditions and policies at the time. Approval is subject to credit assessment and the bank reserves the right of final decision.

To borrow or not to borrow? Borrow only if you can repay!

All information is for reference only. All services provided by The Hongkong and Shanghai Banking Corporation Limited ("HSBC") are subject to the prevailing terms and conditions and the applicable terms and conditions shall prevail if there are any inconsistencies or discrepancies with the content. HSBC is not responsible for any liabilities, costs, damages, or any consequences stemming from reliance on the information provided. Content provided should not be treated as any investment or legal advice or professional opinion, and is not solicitation or advice of any products or services. HSBC does not guarantee the accuracy, timeliness or completeness of this information, and information may be subject to change without prior notice.

Issued by The Hongkong and Shanghai Banking Corporation Limited