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Agree on the criteria before the shortlist
Choose the factors that genuinely affect your household: location, layout, timing, total outlay, funding, and flexibility. Give each a simple importance rating. This prevents the criteria changing each time a different presentation catches your attention. The scorecard is a discussion aid, not a mathematical promise that one property will produce the best outcome.
Create one comparable row per option
Record the exact project and unit, the date of the information, the quoted price basis, and the documents you have checked. Compare actual alternatives rather than a specific unit against another project’s lowest advertised entry price. If you do not yet have a comparable figure, mark the gap instead of filling it with an assumption.
Add confidence beside the score
For each important item, record whether it is confirmed, estimated, or unresolved. A high score resting on uncertain completion timing or unverified funding should be read differently from one supported by documents. Keep the questions visible and ask the appropriate parties to clarify them before the comparison becomes a purchase decision.
Test the cost and accommodation scenarios
Compare the full funding position and where you would live while waiting. Use hypothetical loan-rate scenarios rather than assuming a current quotation will describe the entire ownership period. Ask the lender about the actual package and conditions. MoneySense’s home-loan guidance is a useful starting point for framing those questions.
Use the scorecard to have a better conversation
Write the strongest reason to choose each option and the compromise it requires. If the scores are close, identify the one unresolved question most likely to change the decision. Bring the comparison to the Property Health Check so you can discuss a focused shortlist without relying on a universal ‘best project’ label.
Go to the source
URA · Home Buyers’ Guide for uncompleted private property ↗MoneySense · How home loans work ↗General planning information, prepared on 30 October 2026. Rules and individual circumstances can change. Verify current requirements with the relevant authority and your lender before making commitments.