Look at resilience after purchase
A monthly instalment is only one part of the financial commitment. Buyers may also face upfront costs, maintenance, insurance, repairs, furnishing, rate changes and changes in household income or expenses.
Questions to test
- What financial buffer remains after completion?
- How would the household handle an income interruption?
- Which future family or lifestyle commitments are likely?
- How sensitive is the plan to interest-rate or expense changes?
- Which figures require confirmation from a licensed adviser or lender?
PropScrut does not approve loans or provide financial advice.
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Important: This article provides general decision-support information. It is not legal, valuation, financial, loan or investment advice.