A wooden chair sits on a deck with potted plants and a wooden wall.

GET STARTED WITH YOUR FIRST HOME LOAN TODAY

Buying your first home is exciting, but it can also feel overwhelming. We're here to make the process clear, simple, and stress-free. From understanding your loan options to getting pre-approval, we’ll be there to guide you every step of the way.

Get in touch for a free consultation today.

Steps to getting into your new home:

Step 3 – Making an Offer

Once you’ve found the right home, it’s time to make an offer. There are different ways homes are sold in New Zealand, each with its own process:

Negotiation: The most common method. The seller lists an asking price, and you submit an offer. You can negotiate on price, settlement date, and conditions.
Auction: You must have unconditional finance before bidding. If you are successful, a deposit (usually 10%) is payable on the day, and the sale is final.
Tender or Multi-Offer: Multiple buyers submit offers by a deadline. The seller reviews all offers and can accept, reject, or negotiate with the most appealing one.
Private Sale: You deal directly with the seller, negotiating terms before a sale and purchase agreement is drawn up.

Key considerations:

Research the market: Look at recent sales in the area to understand pricing.

Do your due diligence: Obtain LIM reports, building inspections, and insurance quotes before committing.

Include key conditions: Common conditions in a Sale & Purchase Agreement include:

Finance approval: Allows time to unconditionally secure your loan (usually 10 working days).
Solicitor review: Ensures the property has no legal or local council issues.
Building inspection: Checks for structural concerns.
Registered valuation: Sometimes required by lenders for final loan approval.

Don’t worry if this sounds complex, we’ll help guide and support you through the offer process.

Questions? Call Stuart

Step 2 – Get Approved & Start House Hunting

Once your loan application is submitted, we’ll negotiate with banks to get you the best offer. We aim to get you pre-approved within 3-7 working days.

Once you have your pre-approval in place (with conditions you’ll need for final approval) you’re ready to start looking for your first home within your now pre-approved budget!

We are very happy and willing to assist in helping in the house hunt process and provide guidance.

Call Stuart and Get Approved

Step 1 – Get Pre-Approved

First, you’ll meet with Stuart to understand your borrowing power and get pre-approved for a mortgage. This helps you search for a home with confidence, knowing what you can afford.

What you’ll need:

Proof of income (recent payslips or financial accounts if self-employed)
Bank statements (from the last three months)
Deposit confirmation (savings history or gifted funds)
ID (passport or driver’s license)
KiwiSaver Eligibility Letter

Tips for a smoother approval:

Consolidate debts where possible to improve your financial profile
Keep credit card limits low, as banks assess the full limit
Maintain healthy bank statements and avoid unarranged overdrafts

View our preapproval checklist

GET STARTED WITH YOUR FIRST HOME LOAN TODAY

Steps to getting into your new home:

Step 3 – Making an Offer

Step 2 – Get Approved & Start House Hunting

Step 4 – Offer Accepted!

Step 5 – Loan Confirmation & Deposit Payment

Step 6 – Settlement & Moving Day!

Step 1 – Get Pre-Approved

CONTACT STUART