A mortgage lets one character on your account buy a mid-priced home without paying the whole price in cash. You pay part of the price at the door, the bank covers the rest, and you repay that balance in daily instalments. This guide is a draft while the door closing, payment schedule, arrears, and payoff still await full in-game verification.

Check whether you can borrow

Financing is deliberately limited to a first home. Use /mortgage anywhere to see your current state and a plain-language eligibility summary.

You need all of the following:

  • no character on your account already owns a property;
  • no unresolved mortgage anywhere on your account, and no past mortgage default;
  • no unresolved personal loan on any character on your account;
  • enough completed play time on the borrowing character; and
  • enough bank funds to cover the down payment on the day you close.

The home itself must be ordinary market stock: an unowned house or apartment offered for sale, inside the mortgage price band, and not already in an auction. Premium homes above the band, managed rentals, and auction lots cannot be financed. Use /listings to find candidates, then walk to the actual door.

Mortgages and personal loans cannot overlap. While a mortgage is open, /loan refuses new borrowing on every character on your account, and an open personal loan blocks a mortgage the same way.

Close the mortgage at the door

  1. Stand at the exact door of an eligible home for sale.
  2. Use /mortgage buy once.
  3. Read the confirmation. It shows the price, the down payment taken now, the financed amount, the one-off interest charge, the total you will owe, the daily instalment, and the term.
  4. Confirm once, then wait for the final result.
  5. After success, check the door label and /keys.

The launch product is fixed: 20% down, a one-off flat interest charge on the financed amount, and 30 daily instalments. The confirmation you see at the door is authoritative for the exact figures.

A completed closing takes the down payment from your bank, buys the home, and gives you the owner key in one step. The financed portion never reaches your bank as spendable money - it goes straight into the purchase.

If anything about the quote changes before you confirm - the price, the market state, a new auction, a new debt or property on your account, or your down-payment funds - the confirmation refuses and nothing moves. Run /mortgage buy again from the current door state.

If a closing result is unclear, do not immediately retry. Check /mortgage, the door label, /keys, and your bank balance first.

Keep up with the payments

Instalments are attempted from your bank after eligible payday income, one period per day. A successful payment appears on your payday statement.

Offline time never stacks up missed payments. Several days away produce at most one new instalment when you return, so the term simply stretches while the total you owe stays the same.

If your bank cannot cover an instalment, the payment is simply left unpaid - it never overdraws your account and never takes carried cash. Unpaid instalments accumulate as arrears, and /mortgage shows the current count.

Understand default

Missing the arrears limit shown in your confirmation marks a permanent mortgage default on your account.

A default does not take your home. You keep the property, the keys, the furniture, the stored belongings, and everything inside it. Southland does not foreclose.

What a default does mean:

  • no new instalments are issued while you remain in arrears;
  • the debt and the lien stay in place; and
  • no character on your account can ever take another mortgage.

Paying off the arrears resumes the remaining schedule, but the default mark itself is permanent.

Pay early or clear the balance

Use /mortgage pay at a bank counter or an active ATM.

  • With an amount, the payment clears the oldest overdue instalments in full first, and any remainder goes onto the balance as an early payment. An amount too small to clear the oldest overdue instalment is refused.
  • With no amount, you get an all-or-nothing payoff confirmation for the whole remaining balance. It refuses with the shortfall if your bank cannot cover the full amount.

Paying early shortens the term. It does not reduce the one-off interest charge and does not change the daily instalment.

When the balance reaches zero the mortgage closes and the lien is released immediately. The home stays yours and normal property rules return.

What the lien blocks

While a mortgage is unresolved, the home cannot be sold back to the market, transferred to another owner, put into an auction, opened to tenants, or published as a rental.

Everything else works normally. You can enter and lock the door, share keys, furnish the home, store belongings, pay its utilities, and insure it exactly as any other owner.

Recover from a refusal or unclear result

  • /mortgage buy says the home cannot be financed: recheck that it is an unowned house or apartment for sale, inside the price band, not in an auction, and that you are at its exact door.
  • You are told you are not eligible: use /mortgage for the specific reason, then resolve it - settle a personal loan, or wait out the play-time requirement.
  • The quote no longer matches the door: the price, market state, or your account changed. Reread the door label and start a fresh /mortgage buy.
  • A closing result is unclear: stop, check /mortgage, /keys, and your bank balance, and do not submit a second closing.
  • /mortgage reports a state awaiting reconciliation: do not retry. Report it through the normal support route with the time it happened.
  • An instalment was missed: review arrears after the next eligible payday instead of forcing repeated manual payments.
  • Selling or letting the home is refused: clear the mortgage with /mortgage pay first; the lien is released as soon as the balance reaches zero.

For everything else about owning a home, continue to Buying, renting, and managing property.