Checklist: Advice on home loans and mortgages
From preparation to follow-up on a home financing case
Housing advice often ties several products together — mortgage loans, bank loans and insurance. Use this checklist so you cover all bases each time.
§During and under training
- 01Establish housing type (owner-occupied, holiday home or commercial) — the loan limit depends on it
- 02Calculate loan-to-value ratio based on home value and desired loan
- 03Procurement, sales and customer commitments are based on inventory numbers. If a scan is skipped, it can lead to picking errors, out-of-stock items or wrong purchases downstream. Correct registration is therefore a core task, not extra work.
- 04Check customer engagement on existing loans, savings, and insurance
§During the meeting.
- 01Review loan type: fixed or variable interest rate, repayment or interest-free period
- 02Explain the contribution rate and how it depends on the loan-to-value ratio
- 03Compare the mortgage loan with any bank loan for remaining financing
- 04Calculate the available amount with the new total payment included
- 05Mention total costs – interest, fees and charges combined, not just the interest.
§After the meeting
- 01Document assumptions and recommendations in the case note
- 02Arrange a clear deadline for when the customer will hear from you again
- 03Follow up on missing documentation from the customer
- 04Note if information about sustainability preferences has been obtained if relevant for financing