This service covers transfers where the buyer is obtaining a mortgage and the seller owns the property outright.
Mortgage Buyer to Cash Seller
We manage property transfers where the buyer is purchasing with a mortgage and the seller owns the property outright. We coordinate with the buyer’s bank for valuation and approvals, handle the developer NOC and Trustee Office processes, supervise mortgage disbursement, and ensure smooth issuance of the final Title Deed – delivering a compliant, transparent, and well-managed transfer from start to finish.
Preparing the correct documentation in advance helps ensure that the property transfer process proceeds smoothly and without delays.
Typical Timeline: 30–45 working days, subject to bank approval and valuation.
This occurs when the buyer is obtaining a mortgage but the seller does not have an existing loan on the property.
The buyer’s bank will finance the purchase.
The bank typically requires:
• property valuation report
• signed Form F
• title deed copy
• seller identification documents
The buyer’s bank appoints a valuation company to confirm the market value of the property before approving the mortgage.
The bank releases the funds after the valuation is completed and the mortgage is approved, usually shortly before the transfer appointment.
No. The buyer must obtain final mortgage approval before the transfer can proceed.
