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Buying a property is a very important investment. At Garu we help you find the finance option that best  suits you and your financial situation.
Buying a property via Garu allows you access to many additional benefits, e.g. better mortgage rates and conditions, as a result of the exclusive agreements we have with various banks. We process thousands of mortgages every year, which puts us in an excellent position to neogtiate better rates and conditions for you.

The costs involved:

If you require a mortgage a further 3% of the loan value plus the interest should be budgeted for to cover:

• Stamp Duty @ 1%
• Notary fees – payable to the person who legally confirms the mortgage deed as authentic and certifies the operation (around 0.5%)
• Land registry fees – an updated registration showing that you have a mortgage on the property (around 0.3%)
• Accountants fee at the bank
• Bank valuation fees – Payable to the company, appointed by the bank, to value the property.
• Bank opening commission fees – commission payable to the bank for making the loan.

It isn’t necessary to appoint independent service providers to assist you with the legal purchase process and / or obtaining a mortgage, as Garu can do that for you. However, if you do choose to appoint and independent lawyer and / or Broker, they will charge fees for their services, so do check these additional costs with them directly.

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