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Guide to your
first 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.


You get in touch with us via phone, email or through our website – we’re excited to help get you the best home loan 


We have a chat about your situation and put together a plan for you 


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.


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.


Find your dream home and make an offer! 


Once the offer is accepted, we’ll help you meet the conditions on your loan offer and negotiate the best deal for you.


Once finance is confirmed along with your builder’s, LIM and methamphetamine testing, your solicitor will declare the agreement unconditional


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.


The loan documents will be sent to your lawyer for you to sign


You’ll be a home owner on settlement day!

Every situation is different, so speak to us about the best option for you, and we’ll have you on the path to buying your new home in no time.

Adam Thompson, Claire Martin and the My Mortgage team


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