Resources · Playbooks
The right order
to do things in.
4
Playbooks
5 steps
Each
Free
To use
Practical
Not theoretical
Borrowing
The loan-readiness playbook
The sequence that prevents a rejected application, an unaffordable EMI and a rushed decision.
- 1Define the amount, purpose and timeline.
- 2List existing EMIs and monthly obligations.
- 3Stress-test the EMI against a higher rate.
- 4Review your credit report and bank statements.
- 5Shortlist lenders by policy fit, then apply.
Property
The property due-diligence playbook
A property is usually the largest purchase a family makes. Check the title, the money and the agreement in that order.
- 1Verify ownership and the chain of title.
- 2Check approvals, land use and encumbrances.
- 3Inspect the property in person, more than once.
- 4Map the full cost, including registration and repairs.
- 5Read the agreement for possession and exit terms.
Protection
The insurance review playbook
Cover should match the loss you cannot absorb, not just the premium you are willing to pay.
- 1Identify the financial risks that would hurt most.
- 2Calculate income replacement and loan cover.
- 3Review health cover, limits and waiting periods.
- 4Disclose medical history accurately.
- 5Revisit cover after a major life or business change.
Business
The business money check
A quarterly review of cash flow, debt, concentration and obligations — before they become urgent.
- 1Build a 13-week cash-flow forecast.
- 2List every loan, limit and repayment date.
- 3Identify your largest customer and supplier exposure.
- 4Review statutory filings and insurance cover.
- 5Assign an owner and date to each risk.
How to use them
A playbook is a sequence, not a checklist to skim.
The value is in the order. Each step exists because skipping it usually creates a bigger problem later.
01
Start before the paperwork
A playbook is useful before you apply, not after a lender asks for a document you do not have.
02
Do not skip the uncomfortable step
If the affordability or title check does not work, the rest of the plan should change — not be pushed harder.
03
Use a person for the last mile
A guide can prepare you. A lender, insurer, lawyer or advisor still has to assess your specific facts.
A second pair of eyes
Want someone to walk the playbook with you?
Bring the amount, the property papers or the business numbers. We will tell you which step you are actually on — and what to fix before moving ahead.