Home Loans

YOUR BIGGEST
FINANCIAL DECISION

Home sweet home.

 The challenges are many from dealing with real estate agents, solicitor's and financial service providers. We have the expertise to navigate you through this journey towards your home ownership.

Please read this as a guide to assist you get into your dream home.

1) To purchase your first home, you need a deposit which may come from the following:

- Your savings

-  Your Kiwi saver contributions

-  First home buyer subsidy or first home grant.

- Gift from parents / family member

2) Ensure you avoid short term debts such as credit cards, hire purchase and overdrafts.
If you are over 80% borrower, banks prefer no short-term debts.

3) Maintain good account conduct avoiding account excess or dishonours.     
Pay your bills on time. This helps maintain a clear credit file.

4) Avoid large expenses such as upgrading cars or purchasing expensive furniture

5) Manage your expenses wisely as banks require you to disclose your living expenses.
Regular eat-outs can add up really fast.

6) Avoid changing jobs unless you are getting a pay rise. Banks don’t like contracts with probation clauses especially for over 80% borrowings.

7) Try and save on a regular basis. This helps demonstrate your ability and willingness to save.