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What are the phases to buying a property?

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Preparing to buy

  • Plan and research - it is a good idea to find out how much you are eligible to borrow using our borrowing power calculator
  • Save a deposit - put together a budget on how much you can save each month. Our savings calculator can help you work out how much you can save and how long it will take to reach your goal
  • Speak to a Home Loan Specialist - get a pre-approved loan   
  • Start looking at properties. is a good place to start
  • Provide proof of income. If self employed, two years personal and business financials will be required.


Making the right decision 

  • Choose a property 
  • Check the condition of the property -  arrange for Building and pest inpections
  • Speak to your Unity Bank Home Loan Specialist and formalise your loan application and approval
  • Get your solicitor to make the final contract check and legal requirements 
  • Exchange of contracts between buyer and vendor solicitors 



  • Plan to move in. You will need to organise any moving costs
  • Settlement of the property
  • Enjoy your new home