If agreed edi and fren seller, just get lawyer to do up sales and purchase agreement. Seller likely gonna use back same lawyer as u to save cost. If he wants to save RPGT(assuming he got profit) and u want to save stamp duty fees, then can declare ur price lower. Also save on lawyer fees. How much lower, depends on ur discussion with seller friend and how much loan u can get/qualify. Banks offer loan based on SPA price. The lower the price, the lower the loan. Skip agents and all unnecessary people if u want save cost.

And no need those PM here PM there for simple open question.

If you have no confident in securing 50%-60% loan for your purchase, you can approach the banker first and once your loan approved then only approach a lawyer to prepare the S&P Agreement.

Since it is a purchase from friend, no need to hire a mortgage consultant or agent to handle matters for you. You can save money by engaging a lawyer and applying the loan yourself.

I do not see any purpose in engaging a mortgage agent when I can go to the bank directly and apply my loan on the spot. And do bear in mind that just because you are not charging a single cent on your clients it doesn't mean that others will not. Why you are being so sensitive when I am not directing my answers to you but to TS?  And yes, my banker do reply me and attend to me on weekends and after working hours. It is my opinion that in TS's situation hiring a mortgage specialist or agent is redundant and to save money of course.

I did not say that TS do not need to engage a lawyer. I was saying that TS can engage a lawyer by himself and need not go though agent or mortgage specialist for that. He can save money by hiring a lawyer and engage a banker by himself.

Learn to read properly before you start posting.