Buying your first home and arranging the home loan can be time consuming, frustrating and confusing. We can help by taking care of everything for you. From your first appointment until well after settlement day, we’ll be on your side. To make the process easier we have put together a step by step guide below on how you can successfully get approval of home loan to purchase your first home.
- Find out what you want
Give us a call or drop us an email. Our brokers start by talking to you about your exact needs and your future plans. And then, we will meet you in person to discuss your situation and requirements and see how best we can help you. We also will explain how much you can borrow, and what the costs involved will be and what the process will be from start to finish.
- Ask Bank for Home Loan:
When you are house hunting, you need to know how much you can borrow from the bank. This will ensure you’re looking for a house within your budget, it also provides you with a realistic goal to work with. Our broker will also advise you how to get your deposit: There are multiple ways you can gather a deposit, whether it’s through your KiwiSaver scheme or perhaps equity in your parents property.
- Negotiating and Completing.
Now that you have found your dream home, it is time to put an offer on the property and close the deal. We will help you to lock down a great rate, negotiate the best cash back and manage all paperwork.
- Moving in
Now that your mortgage is all sorted, the excitement will be building as the day you move into your new home inches closer. You need to start packing your bags and getting ready to move. In between moving out from your current house and moving into the new house you should plan and organise the following: organize your furniture removers, think about the renovations you are going to do and make all your plans for your home.
- Ongoing Relationship
We will contact you a couple of months in advance to arrange refix for your home loan.