Options for financing the handover balance:

• Secure a mortgage pre-approval at least 2–3 months before the handover date — this is the most common route

• Use a developer post-handover payment plan (less common in 2026 but still available from select developers)

• Equity release on an existing property you own

• Personal savings or a secured personal loan

Important: apply early. Delays in mortgage processing can trigger developer late payment penalties.