Our Services are Free
Yip, that's right - you pay nothing. Our fees are paid directly by the bank that you decide to go with
We work for you
We are here for the long run and want to provide you with the best advice and service.
Expert Advice
With access to a variety of lenders we are able to make sure we get the best deal for you.
We save you time
Fill out only one application form and we work to find you the best deal across a number of lenders.
Our Services
First Home Buyer
Refinancing
New Builds
Home Loans
4 Easy Steps to Applying for your Home Loan
1.
Speak with a Adviser
We’ll discuss your needs, assess your KiwiSaver and HomeStart grant entitlements, and help you select the most appropriate features and home loan rate.
Depending on your situation, this process may take anything from a few days to a couple of weeks.
2.
Loan Application
We’ll prepare and submit all of the necessary documents to your nominated lender.
The lender will then assess your application to determine whether you meet their requirements. They will also confirm your income and employment, and conduct a credit check.
3.
Conditional Approval
We’ll receive your conditional approval, also known as pre-approval, on your behalf. Conditional approval means you’ll have confidence in knowing how much you can spend and what your repayments will be.
During the security assessment, the lender may require a valuation on the property being purchased.
4.
Unconditional Approval
Once your home loan is unconditionally approved, a formal offer will be issued.
Loan documentation is then sent to your solicitor, who will then liaise with the lender to schedule a settlement date.
Insurance
There are a few insurance products you will need to consider when purchasing a new home:
- Life Insurance
- Mortgage Repayment Insurance
- Home and Contents insurance
We'll help customise an insurance plan to suit your needs.