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.

doc signing small

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.

doc signing small

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

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

Pre-approved finance

If you’re planning on bidding at auction or want to remove some uncertainty around your purchasing capabilities (important in this market), approach your lender to get finance pre-approval so you know exactly what price bracket you are looking to invest in.
compare alternatives

Pre-approved finance

If you’re planning on bidding at auction or want to remove some uncertainty around your purchasing capabilities (important in this market), approach your lender to get finance pre-approval so you know exactly what price bracket you are looking to invest in.
compare alternatives

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.

laptop v3

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.

laptop v3
What's your property worth?
Our appraisals are free and can be carried out in person or virtually. Whichever suits you.