You're one click away from a stress-free mortgage application
APPLY NOW
HOMEFIRST HOME BuyersEXISTING home ownersPROPerty investorsbridging financeABOUT

First Home Buyers

Tailored and friendly advice

Your home buying journey

Congratulations on making the decision to purchase your first property!

This is a well-trodden journey which, with the right people around you, can be exciting, stress-free, and relatively simple.

The key is to have the right people around you.

For us, this is also a longer-term relationship, not just the transaction of purchasing the house. We're here to help and support your property journey, whether to get mortgage-free sooner or create a property portfolio.

Our steps

The following is a step by step guide of our journey together to secure your first home. – We are with you every step of the way.

1

Initial Consultation

Typically a phone / video call where we get to know each other and decide if we are the right fit.
‍
‍
I will be asking questions to establish where you are now, based on your current situation what potential lending you could get, then compare this with what sort of property you want to buy.
‍
‍
We will either move straight into step 2 or I will help develop a game plan with regular check ins to ensure you are in a position to move to step 2 as soon as possible.

2

Gather Documentation

Is a little more involved and requires gathering documentation – payslips, ID, last 3 Months bank statements to name a few.


I have a secure online portal that I will invite you to where we will capture your Expenses ( regular costs – food, power, phone ) Assets (Kiwisaver, other savings, Cars, boats etc)  and Liabilities ( credit cards, after pays, other loans).
‍
‍
Everything needs to be evidenced for the bank to consider it – if we can't evidence it, we can't use it. The banks will also run a credit check so we need full disclosure.

3

Prepare Application

I will be reviewing the information supplied, identify anything missing and firm up your potential budget. Your application is now ready for submission to a lender.
‍
We have 2 options:
‍
1. Pre-approval, typically limited to your own bank and is approval of your budget only. We still need to get the house approved.
‍
2. We have found a house and we can submit a “Live Deal” and go to the lender that best suits your situation.

4

Property Search

Identify the suburb that falls within your budget provided in Step 1 & Step 3
‍
I recommend looking at several on the same day so you get a feel for the market and it is easier to compare and remember each property.
‍
Bear in mind this is your first home, not necessarily your forever home.

5

Application Approval

Typically, the bank will come back with either a "Full Approval" or a "Conditional Approval", which means we have a couple of things to complete.
‍
Once we can satisfy the items listed on the Conditional Approval and we have received the updated Full Approval we can satisfy the finance condition.

6

Loan Structure

For us, this is the most important step of all. Based on your personal situation we design your loan structure whilst also considering the market conditions now and in the near future. This is based on our knowledge of property cycles.
‍
We also prep you for the next step – Settlement Day.

7

Settlement Day

Congratulations, you are now officially a homeowner!
‍
Remember to order takeaways for dinner tonight and have a moving day box with sheets, snacks and toilet paper.

First job is to get someone to make the beds so when you are tired of moving you can just climb into bed for a comfy night's sleep.

Step 1.

Initial Consultation

Typically a phone / video call where we get to know each other and decide if we are the right fit.
‍

I will be asking questions to establish where you are now, based on your current situation what potential lending you could get, then compare this with what sort of property you want to buy.
‍

We will either move straight into step 2 or I will help develop a game plan with regular check ins to ensure you are in a position to move to step 2 as soon as possible.

Step 2.

Gather Documentation

Is a little more involved and requires gathering documentation – payslips, ID, last 3 Months bank statements to name a few.
‍

I have a secure online portal that I will invite you to where we will capture your Expenses,( regular costs – food, power, phone ) Assets (Kiwisaver, other savings, Cars, boats etc)  and Liabilities ( credit cards, after pays, other loans).
‍

Everything needs to be evidenced for the bank to consider it – if we cant evidence it, we cant use it. The banks will also run a credit check so we need full disclosure.

Step 3.

Prepare Application

I will be reviewing the information supplied, identify anything missing and firm up your potential budget. Your application is now ready for submission to a lender.
‍

We have 2 options:
‍

1. Pre-approval, typically limited to your own bank and is approval of your budget only we still need to get the house approved.
‍

2. We have found a house and we can submit a “Live Deal” and go to the lender that best suits your situation.

Step 4.

Property Search

Identify the suburb that falls within your budget provided in Step 1 & Step 3
‍

I recommend looking at several on the same day so you get a feel for the market and is easier to compare and remember each property.
‍

Bear in mind this is your first home, not necessarily your forever home.

Step 5.

Application Approval

Typically the bank will come back with either a Full approval or a conditional approval, which means we have a couple of things to complete.
‍

Once we can satisfy the items listed on the conditional approval and we have received the updated full approval we can satisfy the finance condition.

Step 6.

Loan Structure

For us this is the most important step of all and is crafted for your personal situation taking into account the market conditions now and in the future based on our knowledge of property cycles.
‍

We also prep you for the next step – Settlement day.

Step 7.

Settlement Day

Congratulations you are now officially a home owner!

Remember to order takeaways for dinner tonight and have a moving day box with sheets, snacks and toilet paper.

First job is to get someone to make the beds so when you are tired of moving you can just climb into bed for a comfy night's sleep.

Congratulations on making the decision to purchase your first property!

This is a well-trodden journey which, with the right people around you, can be exciting, stress-free, and relatively simple.

The key is to have the right people around you.

For us, this is also a longer-term relationship, not just the transaction of purchasing the house. We're here to help and support your property journey, whether to get mortgage-free sooner or create a property portfolio.

Ready to begin your journey?

APPLY NOW

Testimonials from First Home Buyers

Henry

Tauranga

First Home Buyer

Deon is an absolute pleasure to deal with, a wealth of knowledge and information second to none, he takes what most people find a very daunting process and makes it feel simple and Hassle free.

You feel safe and confident with Deon, so if your looking at a mortgage look no further! 5 stars!

Read More

Becca & Ethan

Rotorua

First Home Buyer

As first home buyers we knew nothing about mortgages or the process of owning a home.

Deon answered all our questions in a way that was easy to understand and made the process stress-free.

He was very knowledgeable, professional, efficient and friendly.

We have recommended Deon to family and friends and will continue to do so in the future.

Thanks Deon for helping us achieve our dream of home ownership! 😊

Becca & Ethan

‍

Read More
HOMEFIRST HOME BUYERSEXISTING home ownersPROPerty investorsbridging financeABOUT
Deon Johnston
Mortgage Advisor
022 684 2211
deon@mortgageadviceforyou.co.nz
Public disclosurePrivacy policy
© 2024 MORTGAGE ADVICE 4 U LTD.