What are the main steps until I get the keys?

The process can be broken down into 6 key stages: 1) Simulation and affordability: we assess your income to understand how much the bank may lend. 2) Document collection: preparing the file to present to the banks. 3) Bank approval (decision): we receive proposals from several banks and choose the best option with you. 4) Property valuation: a surveyor assesses the home to confirm the loan amount. 5) Final offer issuance (ESIS/FINE): the bank formalises the final terms. 6) Signing: the final stage, when the deed is signed and the keys are handed over.

In practice, the stages that usually take the longest are bank approval and the property valuation, and additional information may be requested along the way.

This means that, even with everything prepared, timings may still vary, so it is important to anticipate the documentation and avoid delays in the early stages.

It makes sense to seek specialist support when you want to understand what to expect at each stage, anticipate possible blockers and prepare the process more efficiently.