How a session works

A consultation here is a working session, not a presentation. The steps below are the same every time, so you can tell in advance where your question gets answered and what you take home.

1. You send a request

Start on the contact page with a short note: where you stand in the buying process and the one question that matters most to you right now. There is no intake quiz and no account to create. Our reply lands in your inbox, normally within two working days, carrying a suggested time and the flat fee for the session.

2. We confirm the scope in writing

Before any session is booked, you receive a short written note stating the session type, the fee, the meeting format (office or online), and what you should bring — typically recent pay stubs or an income summary, your current savings and jeonse deposit figures, and the area or apartment you are aiming for. Nothing is charged until you confirm.

3. The session itself

Sessions run 60 to 90 minutes. We open by restating the single question the session is scoped to, then work through four blocks in order:

• Target home — we pin the area, the apartment size, and a realistic price band from public listing ranges.
• Loan ceiling — your household income is measured against the LTV and DSR limits currently in force, so the borrowing amount you can realistically carry is on the table.
• Savings path — the distance from your current deposit to the deposit you need becomes a monthly figure and a timeline.
• Next step — we agree on one concrete action and a date for the next check-in.

4. You get a written summary

Within two business days of the session, you receive a one-page written summary: the numbers we worked, the loan ceiling we estimated, the monthly savings target, and the single next step. This is the document you bring to the next session, so progress is tracked against the same baseline rather than starting over.

5. The next check-in

A tracking session three to six months later compares your actual savings and any income changes against the baseline. If rates or LTV/DSR rules have moved, we re-run the loan ceiling. If your target home has changed, we reset the price band. The timeline is adjusted, not redrawn from scratch.

What to bring

• Recent income figures (pay stubs, or a household income summary if self-employed).
• Current savings balances and any existing jeonse deposit.
• The district or apartment you are aiming for, even loosely.
• Any loan pre-approval letter you already hold, if applicable.

Ready to set a baseline? Send a session request, or read the session types first.