Financed purchase legal review
Align the mortgage process with the contract before either timeline fails.
We review the legal documents and lender conditions together so the buyer understands financing protection, approval dependencies and completion obligations.
- Contract and lender timeline aligned
- Financing clause reviewed
- Completion dependencies identified
Price
Starting at €600 — for financed purchases with lender documentation
Best time to use
Before CPCV signature and again when final loan conditions or the completion date are confirmed.
You send / you receive
CPCV, FINE or approval documents, valuation status and completion file. → A legal risk note, deadline map and financed-completion checklist.
Bank approval and contract obligations do not automatically move together.
A buyer may have an approval in principle while the property valuation, final underwriting, insurance, own-funds evidence or bank documentation is still incomplete. At the same time, the CPCV may impose a fixed completion deadline and deposit risk. The review connects the lender requirements with the buyer's contractual obligations so gaps are identified before they become a default or last-minute closing problem.
What we check in a financed purchase
The service addresses the legal and transaction consequences of financing, not the commercial suitability of the loan product.
Mortgage condition in the CPCV
We review whether the financing condition is clear, what evidence is required, which deadlines apply and what happens if approval, valuation or drawdown fails.
Approval and FINE dependencies
We compare the final or proposed credit conditions with the contract timeline, property requirements, borrower conditions and expiry dates disclosed by the lender.
Valuation, insurance and own funds
We identify how valuation, insurance, equity contribution and other pre-drawdown conditions may affect the buyer's ability to complete on time.
Bank and completion coordination
We review the proposed deed, mortgage formalisation, payment sequence, bank representation and registration steps needed for completion.
Documents to send
Send the latest lender documents, not only the initial simulation.
- Draft or signed CPCV and any financing-related amendments
- FINE, approval letter or current lender conditions
- Property valuation status and outstanding bank requirements
- Draft completion documents, insurance conditions and payment instructions
What you receive
The output shows where the loan process and purchase contract depend on each other.
Financing clause assessment
A clear explanation of whether the CPCV provides workable protection if financing or valuation does not proceed as expected.
Deadline and dependency map
A timeline connecting approval, valuation, conditions, CPCV deadlines, signing and mortgage drawdown.
Outstanding-condition list
The lender, buyer and property items that remain open before the bank can fund completion.
Financed completion checklist
A buyer-side checklist for the deed, mortgage, funds, insurance, registration and bank documents.
How the review works
Send the contract and current bank file
Provide the CPCV, FINE or approval documents and the latest list of lender conditions.
We compare the two timelines
Contract obligations are checked against valuation, underwriting, insurance and drawdown requirements.
Gaps are prioritised
The buyer receives a list of conditions or dates that need protection, clarification or coordination.
Update before completion
Where included in the agreed scope, the final bank and deed documents are checked before closing.
Included in this service
- Review of the financing clause in the CPCV
- Review of current FINE, approval or lender-condition documents supplied
- Identification of valuation, insurance and drawdown dependencies
- Alignment of contract and lender deadlines
- Written financed-purchase and completion checklist
Not included in the base scope
- Mortgage brokerage, lender comparison or recommendation of an interest rate
- Preparation or submission of the loan application
- Property valuation, insurance advice or tax planning
- Guarantee that the bank will approve or release the loan
Questions buyers ask
Is approval in principle enough to sign the CPCV?
Not necessarily. Approval in principle may still depend on property valuation, final underwriting, documents and other conditions. The CPCV should reflect the actual level of financing certainty.
What is the FINE?
The FINE is the European standardised information sheet provided by the lender. It summarises the proposed credit terms and is reviewed here for its transaction and timing implications, not as investment advice.
Can the seller refuse a mortgage condition?
The seller can negotiate the contract terms. The buyer then needs to decide whether the deposit risk is acceptable without financing protection.
Does this service include communication with the bank?
The base review focuses on documents and coordination points. Direct bank communication or full transaction representation is added only when agreed.
Do not let the mortgage timeline create a contract default.
Send the CPCV and current bank conditions. We will identify where financing, valuation and completion obligations need to be aligned.
Review my purchase