For First-Time Buyers

Buy Your First Home with Confidence

Get matched with a dedicated buyer agent who guides you from budget to keys, no pressure, just clear next steps.

Get Matched with a Buyer Agent

Why Buy With IQI

A Buyer Agent In Your Corner

Homes That Fit Your Budget

We shortlist listings that match what you can actually afford, not just what's listed.

Financing Made Simple

Understand loan eligibility, down payments, and government schemes before you commit.

Support Every Step

From viewing to the sale and purchase agreement, your buyer agent stays with you.

How It Works

Your Buying Journey With IQI

1

Free Consultation

Tell us your budget, must-haves, and timeline.

2

Curated Shortlist

Your buyer agent narrows down homes that actually fit.

3

Financing Guidance

Understand loan eligibility and government schemes.

4

Sale & Purchase

Your agent stays with you through to signing and handover.

What First-Time Buyers Should Know

0%*

Buyer Agent Fee

The seller pays agent commission, not you.

Up to 90%*

Loan-to-Value

Available for eligible first-time buyers.

3%*

Stamp Duty Exemption

May apply under current first-time-buyer schemes.

24h

First Response

A buyer agent reaches out within a day of enquiry.

*General guidance only, eligibility and rates vary; confirm current terms with your buyer agent.

How Much House Can You Afford?

Two numbers matter most: how much of your income goes to the mortgage, and how much of your total debt banks will allow.

30-40%*

Instalment-to-Income

Keep your monthly instalment within this share of your income.

60-70%*

Debt Service Ratio Ceiling

Most banks cap your total commitments, including the new loan, here.

RM300k-450k*

Example at RM5,000/mo

A rough price range this income level can typically support.

*General guidance only, actual eligibility depends on the bank's full assessment of your credit profile. Your buyer agent can walk through your own numbers with you.

Try It Yourself

Estimate Your Mortgage

Check what your monthly repayments could look like before you talk to a buyer agent.

Open Full Calculator

Try It Yourself

Check What You Can Afford

Enter your income and commitments to see a realistic price range.

Open Full Calculator

What To Expect

The Home-Buying Process, Step by Step

1

Assess Finances

Check your credit and work out what you can afford.

2

Bank Pre-Approval

Get a letter showing how much you can borrow.

3

Search & Shortlist

Compare properties in your target area.

4

Make an Offer

Negotiate and sign a Letter of Offer with a booking fee.

5

Legal Checks

Your lawyer verifies title and runs the required searches.

6

Sign the SPA

Review and sign the Sale and Purchase Agreement.

7

Bank Approval

Final valuation and stamp duty payment.

8

Completion

Settle the balance, transfer title, and get your keys.

Budget For It

What Buying Actually Costs

Most first-time buyers should set aside 10% to 18% of the property price for the upfront costs below.

Down Payment

The bulk of your upfront cost.

10%*

Stamp Duty

May be exempt for eligible first-time buyers.

0%*

Legal Fees

On the first RM500,000 of the price.

1-1.25%*

Valuation & Inspection

A one-off fee paid to the valuer.

RM300-600*

Mortgage Insurance

Of your loan amount, if required by your bank.

0.3-0.7%*

Contingency & Renovation

A buffer for move-in costs and touch-ups.

10-15%*

*General guidance only, figures vary by lender, state, and property price; confirm current terms with your buyer agent.

Real Buyers, Real Experiences

What First-Time Buyers Are Saying

Zulfairi Z.

Buyer agent: Muhammad Asyraf Bin Muhamad Asri

Mudah dalan urusan bertanyaan dan penerangan yang baik dalam bidang property.
Senbagam S.

Buyer agent: Chow Kok Toong

I'm very satisfied with how fast he acted. And last but not least, whenever I wanted to bring my contractor to see the house, he was always there to open the door for us, even when I informed him one or two hours in advance. He also managed to secure this house for me before another party bought it.... I'm very satisfied with how fast he acted. And last but not least, whenever I wanted to bring my contractor to see the house, he was always there to open the door for us, even when I informed him one or two hours in advance. He also managed to secure this house for me before another party bought it. Mr Chow Kok Toong was very helpful throughout the whole process.
John S.

Buyer agent: Chung Yue Hwei

Miss Chung was the best agent we could have. Really appreciate her help and how quickly everything was processed by IQI. We have already recommended some friends who are looking for a house to go through your agents.
Mohd Z.

Buyer agent: Afiq Hazwan bin Abdul Kadir

Thank again IQI. You're the best company i had ever deal with.
Wan Y.

Buyer agent: Mohammad Haffiz Mohd Ruzi

I had a good experience working with Hafiz when buying the house. Although the process is still ongoing and taking some time, he has been very supportive throughout. He is willing to help and anytime I have question or face any issues, I can easily reached out to him. He explains things clearly and... I had a good experience working with Hafiz when buying the house. Although the process is still ongoing and taking some time, he has been very supportive throughout. He is willing to help and anytime I have question or face any issues, I can easily reached out to him. He explains things clearly and guides me step by step. So far, the experience has been smooth and reassuring.
Muhammad M.

Buyer agent: Ahmad Faizal Bin Roseli Faizal

Saya amat berpuas hati dengan perkhidmatan IQI Realty. Ejen saya, Encik Ahmad Faizal, sangat baik dan banyak membantu saya mendapatkan rumah pertama sehingga semua urusan selesai. Terima kasih IQI Team dan terima kasih Encik Ahmad Faizal.
Yih Horng C.

Buyer agent: Liew Huey Wen

The agent was very attentive but a little too chatty at times. It's best to just focus on the deal-related issues.
Anonymous

Buyer agent: Wong Yew Keang

Overall satisfied with the service provided during my property purchase. Appreciate the effort in communicating with the seller and assisting throughout the process. The journey was generally smooth and manageable.
Amir M.

Buyer agent: Dannial Zhafry bin Zainol

I had great experience working with Dannial throughout my homebuying journey. He was friendly, patient and always took the time to explain things clearly whenever I had questions. He also helped coordinate everything and made the whole process much less stressful. Even when things took longer than e... I had great experience working with Dannial throughout my homebuying journey. He was friendly, patient and always took the time to explain things clearly whenever I had questions. He also helped coordinate everything and made the whole process much less stressful. Even when things took longer than expected, he stayed responsive and supportive. Thanks, Dannial, for the great service. I'd definitely recommend him to anyone looking for a reliable property agent.
Mei Lan C.

Buyer agent: Sew Yoke Leng

Thank you! My IQI agent, Mrs. Sew was very helpful professional and responsive throughout the whole house buying process. She explained everything clearly with great patience and provided useful information throughout the journey, her guidance was extremely helpful to me. I truly appreciate the grea... Thank you! My IQI agent, Mrs. Sew was very helpful professional and responsive throughout the whole house buying process. She explained everything clearly with great patience and provided useful information throughout the journey, her guidance was extremely helpful to me. I truly appreciate the great service and support. Highly recommended!
Quentin N.

Buyer agent: Choo Heng Boon

I would like to express my gratitude to Mr Choo for helping me and guiding me patiently as a first time home owner. His patience and dedication are greatly appreciated, especially since the paperwork and procedures involved in buying a home for the first time may be daunting for many.
Atikah A.

Buyer agent: Lee Chee Mun

Ben was very professional, helpful and responsive throughout the whole process. We found his listing on Mudah, contacted him and he replied quickly with several unit options, complete with descriptions and videos. This made it much easier for us to shortlist the units we wanted to view. During the v... Ben was very professional, helpful and responsive throughout the whole process. We found his listing on Mudah, contacted him and he replied quickly with several unit options, complete with descriptions and videos. This made it much easier for us to shortlist the units we wanted to view. During the viewing, he also showed us another unit that was slightly outside our original budget, and we ended up loving and booking it. Really thankful to Ben for his great service and assistance!

Frequently Asked Questions

Do I have to pay my buyer agent?

No. In Malaysia, the seller pays the agent's commission, so working with a buyer agent costs you nothing.

How long does it take to find a home?

It depends on your budget and location, but most buyers get their first curated shortlist within a few days of consultation.

Can I get help figuring out what I can afford?

Yes. Your buyer agent can walk you through loan eligibility, down payments, and government schemes before you commit to anything.

What if I don't know my budget yet?

That's fine. Tell us roughly what you earn and save, and your buyer agent will help you work out a realistic range.

Is a zero-down-payment purchase possible?

Schemes like Skim Rumah Pertamaku (My First Home) offer up to 110% financing for eligible buyers aged 18 to 35, which can cover the price and some closing costs.

What salary do I need to buy my first home?

As a rough guide, keep your monthly instalment within 30% to 40% of your income. On a RM5,000 monthly salary, that points to a home priced roughly RM300,000 to RM450,000.

How long does the whole process take?

For a typical subsale purchase, expect 3 to 6 months from offer to keys, driven mostly by the legal and loan approval process.

Ready to Start Looking? Tell Us What You're After.

Fill in the form and one of our buyer agents will reach out within 24 hours to understand your budget, must-haves, and timeline.

What happens next?

A buyer agent contacts you within 24 hours
Free first-time-buyer consultation
A curated shortlist matching your budget and location

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