Good afternoon , what can I do for you today ?   I'd like to get some details about a Personal Housing Loan , please .   That's no problem . We have many different ways to go about getting a mortgage and all with terms to suit you .   You see , I've just got married and we are looking at getting on the property ladder with our first home .   Well , congratulations ! It's lovely being a newly wed , but also so much pressure . Could you tell me what kind of property you are looking for ?   Yes , just a simple apartment , nothing too big . 