We will collect some basic information and then discuss your options and provide you with information about applying for a mortgage.
Complete our online fact find so we can get more in-depth information about you and carry out a full mortgage assessment.
Complete our online fact find so we can get more in-depth information about you and carry out a full mortgage assessment.
Once we have preapproval, you can start searching for your new home with advice on how to make an offer and what clauses to include.
Meet with our Financial Adviser to discuss mortgage protection insurance - it’s crucial you protect your earnings so you can pay your mortgage.
Appoint other professionals - lawyer, building inspector, accountant (if necessary) and get a quote for house and contents insurance.
When you have found a suitable property and your conditions have been met, we will seek unconditional approval from the bank.
We will confirm with your lawyer that all finance conditions have been met.
We will discuss ways to structure your loan and provide advice around repayments, interest rates and terms.
Your lawyer will review your contract and the banks offer, then contact you to arrange to sign your loan documents.
Once all the above is complete, your property settles, and you obtain ownership. Congratulations!!
If you have used your KiwiSaver for your first home, it is great time to check in with your Financial Adviser again to review your retirement savings.
Every time you need to review your interest rates, we can negotiate rates with the bank and advise you accordingly.
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