Sorting your finances
Before you begin looking, we recommend having a solid overview of your finances. This allows you to focus on properties in the marketplace which are within your means.
First ensure you have a deposit saved. Most lenders require a 20% deposit for a home loan, although loan products can change this figure. Ask our team for recommendations.
The mortgage market is a competitive business with many different products, so it’s important to find the option that works best for you.
![Signing a document](/assets/Uploads/Signing-a-document.jpg)
Sorting your finances
Before you begin looking, we recommend having a solid overview of your finances. This allows you to focus on properties in the marketplace which are within your means.
First ensure you have a deposit saved. Most lenders require a 20% deposit for a home loan, although loan products can change this figure. Ask our team for recommendations.
The mortgage market is a competitive business with many different products, so it’s important to find the option that works best for you.
![Signing a document](/assets/Uploads/Signing-a-document.jpg)
Mortgage calculator
Carefully work out a budget that works for you.
You can use a home loan repayment calculator to give you an idea of what your mortgage repayments could be.
![new zealand banks v3](/assets/Uploads/Blog-images/new-zealand-banks-v3.jpg)
Mortgage calculator
Carefully work out a budget that works for you.
You can use a home loan repayment calculator to give you an idea of what your mortgage repayments could be.
![new zealand banks v3](/assets/Uploads/Blog-images/new-zealand-banks-v3.jpg)
Pre-approved finance
![Compare and evaluate investing decisions](/assets/Uploads/Blog-images/Compare-and-evaluate-investing-decisions.jpg)
Pre-approved finance
![Compare and evaluate investing decisions](/assets/Uploads/Blog-images/Compare-and-evaluate-investing-decisions.jpg)
Prepare for the unexpected
Don’t forget to factor in the cost of a building report, lawyers, insurance and even appliances and furniture if you’ll need to invest in these.
This ensures you can comfortable meet your repayment options.
![Property buyer using laptop](/assets/Uploads/Property-buyer-using-laptop.jpg)
Prepare for the unexpected
Don’t forget to factor in the cost of a building report, lawyers, insurance and even appliances and furniture if you’ll need to invest in these.
This ensures you can comfortable meet your repayment options.
![Property buyer using laptop](/assets/Uploads/Property-buyer-using-laptop.jpg)