Guide to yourfirst mortgage
We like to keep things simple, so we’ve created an easy to follow guide which will take you through the purchasing process from start to finish.
1
You get in touch with us via phone, email or through our website – we’re excited to help get you the best home loan
2
We have a chat about your situation and put together a plan for you
3
You’ll fill out our application forms and send us through some information so we can submit applications to a number of lenders on your behalf.
4
We’ll catch up with you to talk about your pre-approval. Now is the stage to organise a solicitor, and to apply for your Kiwisaver withdrawal and First Home Grant if you haven’t already.
5
Find your dream home and make an offer!
6
Once the offer is accepted, we’ll help you meet the conditions on your loan offer and negotiate the best deal for you.
7
Once finance is confirmed along with your builder’s, LIM and methamphetamine testing, your solicitor will declare the agreement unconditional
8
We’ll recommend and confirm the best loan structure for your situation to start you on the road to paying off your mortgage as quickly as possible.
9
The loan documents will be sent to your lawyer for you to sign
10
You’ll be a home owner on settlement day!