Want to understand how the home loan process works?
1 // Get in touch
We meet in person, or virtually, to discuss how I can help you. We’ll talk about your current situation and work through your goals. I’ll let you know what information you need to support your application, talk about your options and give you time to consider what we’ve talked about.
2 // Gather your information
Now’s the time for you to gather all your supporting information. This usually includes photo identification, confirmation of your income, bank statements, details of your deposit, your financial liabilities and your current household budget. I’ll let you know exactly what information you need to provide, and why.
3 // Complete an application
We’ll fill out an application form together. This includes the information you’ve gathered about your financial situation and documents like your payslips, and bank statements to prove it.
4 // Seek pre-approval
It’s best to seek a pre-approval from the bank, so you know your budget before you start looking at property. I’ll talk to you about the best bank to apply with and then prepare and present the application on your behalf.
5 // Final approval
You’ve found the right house, and you’ve signed the sale and purchase agreement. You’re starting to feel excited. I’ll help you work through the final stages. This may include final bank conditions such as builders reports or valuations.
6 // Settlement
Congratulations. It’s the day you’ve been waiting for. You’re finally getting the keys to your new home. Don’t forget, I can continue to help you manage your loan into the future. I’m here to help you on your property journey.
You are my priority
Whether you’re in the market for your first home, home renovation, new build dream, downsizing after your family has spread their wings, or you’re a seasoned investor – I can help you. I can also help you save money on your existing loan.
Location
Pauatahanui, Wellington
Call me
027 482 0871
