Lanka Properties
Planning a property move? Start with a clearer home-loan estimate. Talk to a specialist

Home loans › First home buyer

Your first home starts here.

Understand deposits, repayments and the lending process before you start making offers.

Talk to our teamExplore your options
First home buyer home finance

Next steps towards your first home loan

Wherever you are in your property journey, start with the next practical step.

First home buyers

Get clear on your deposit and first application.

Start now

Next home buyers

Plan your current loan and your next move.

Start now

Refinancers

See whether a different loan may fit better.

Start now

Plan your figures

Mortgage repayment calculator

Estimate repayments and adjust the figures to explore a comfortable starting point.

Start calculating
Your monthly budgetRs. 286K
Deposit
Rs. 9 MnLoan
Rs. 36 MnTerm
20 years

Indicative estimate only. Rates, eligibility, fees and repayments vary by lender and applicant.

Estimated monthly repaymentRs. 383,915
Loan amountRs. 36,000,000
Total interestRs. 56,139,520

How much can you borrow?

Estimate a sensible purchase range.

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Estimate costs and fees

Plan beyond the property deposit.

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Track your home loan

Keep your loan and equity visible.

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LankaProperties finance

Start your property search with a clearer budget

Bring your deposit, income and expenses together so you can compare suitable options with confidence.

Clear indicative figures

Flexible options to discuss

Support for your next step

Get started
Sri Lankan lending consultation

Guides for first-home buyers

Practical reading for the decisions ahead.

Saving for your first deposit

5 min read

Hidden costs when buying

5 min read

Understanding pre-approval

5 min read

What happens after an offer

5 min read

A practical plan

Start the search for your first home

Home loan planning
  1. 1

    Calculate your figures

    Estimate a comfortable budget and repayment.

    Learn more
  2. 2

    Prepare your documents

    Collect income, deposit and commitment details.

    Learn more
  3. 3

    Connect with an expert

    Compare options and understand the application.

    Learn more

Home-loan specialists near you

Speak to someone who can help explain the next lending step.

Nadeesha Perera

Nadeesha Perera

Lending specialist

Based in Colombo

Dilan Fernando

Dilan Fernando

Lending specialist

Based in Galle

Kavindi Jayasinghe

Kavindi Jayasinghe

Lending specialist

Based in Kandy

Sahan Silva

Sahan Silva

Lending specialist

Based in Negombo

Your questions answered

Frequently asked questions

Quick answers about home loans, refinancing and borrowing.

How much deposit do I need?

Deposit requirements vary by lender, property and applicant. A larger deposit can reduce the amount borrowed.

What other costs should I plan for?

Allow for legal work, valuation, insurance, taxes, moving and utility connection costs.

Does pre-approval guarantee a loan?

No. Final approval usually depends on updated financial information and an acceptable property valuation.

Can I apply with another person?

Joint applications are possible, subject to the lender assessing both applicants.

The things that really help

A helping hand

Talk through your questions with a local lending specialist.

Get in touch

A pre-approval plan

Understand what to prepare before you start making offers.

Start preparing
Important information: Figures and content are general illustrations only and are not a loan offer or personal financial advice. Eligibility, rates, fees and documentation requirements vary by lender.