stage one: Deposit Options

  • Saving
  • Welcome Home Loan
  • Kiwisaver Withdrawal & First Home Buyer Subsidy
  • Gifting
  • Family Equity Loan

stage two: Home Loan Pre-Approval

  • Getting ready to apply for a pre-approval
  • Application Process
  • Documentation Required
  • Pre Approval Conditions

stage three: Finding a House

  • What are you looking for?
  • Where to find properties?
  • Buying at auction/by negotiation/by tender/fixed price
  • Questions to ask

stage four: Making an Offer

  • Sale and Purchase Agreement
  • Conditions
  • Deposits
  • Role of your Solicitor

stage five: Going Unconditional

  • Meeting Bank Conditions
  • Lim Reports
  • Valuations and Building Reports
  • Paying your deposit

stage six: Home Loan Structure

  • Types of Home Loans
  • Fix or Float?
  • Interest Rates
  • Minimising your Interest Costs

stage seven: Signing a Mortgage

  • Mortgage Documents
  • Priority Sums
  • Settlement Day

stage eight: Moving In

  • Insuring what’s important
  • Things to do
  • Checklists
  • People who can help!

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