Determine how much deposit you need
Work out how much you’ll need and where it will come from, whether savings, KiwiSaver, family assistance, guarantees, or other sources.
Work out what price range you’re aiming for
Take the time to clarify what you need and want. Think location, property type, number of bedrooms, so your search has clear priorities.
Engage a mortgage adviser
Getting expert support early from a mortgage adviser can help you navigate lending options and the buying process.
Obtain pre-approval
Work with your mortgage adviser to assess your borrowing power and, if eligible, secure pre-approval, giving you a clear budget and stronger position when making offers.
Find a property
Start your search with a clear budget and criteria in mind, explore listings, attend open homes, and when you find the right place, be ready to make an offer.
Engage a solicitor
Engage a solicitor to handle legal requirements, prepare documents, and guide you through settlement.
Finalise your loan structure
With your mortgage adviser, decide on the loan structure that suits your financial goals, including interest rates, repaymnet terms, and fixed vs. floating options.
Settle on your new home
Work with your solicitor and mortgage adviser to complete the final paperwork, transfer funds, and officially take ownership, then it’s time to collect the keys and celebrate!



