Your journey to becoming a home owner starts here...
Buying a house can be a daunting process. Deposits, home loans, interest rates, mortgages... where do you find advice, and then, who should you actually listen to? The First Home Buyers Club has all the info you need to get you from market newbie to savvy home owner.
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One Property, One Place
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1. Deposit Options
Give your savings efforts a boost with these tips & find out how the KiwiSaver withdrawal for the first home buyers, first home buyers deposit subsidy, gifting & family equity loans can get you closer to owning your home!
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2. Home Loan Pre-approval
Apply with confidence - everything you need to know about applying for a loan, loan documents and credit checks. Give the bank an application they can't refuse!
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3. Finding a House
Be one step ahead - go house-hunting armed with the right questions, an understanding of land types, different sale options & a comprehensive inspection checklist.
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4. Making an Offer
Make offers like a pro! See sample sale and purchase agreements and use our sale and purchase guide for hassle-free agreements.
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5. Going Unconditional
Might sound scary but it doesn't have to be! Understand your role & ensure you get all the boxes ticked when it comes to inspection reports, registered valuations, LIMS (yikes, what's that?) & certificates of title.
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6. Home Loan Structure
Create a home loan structure that works for you. The ins & outs of trusts, companies & joint tenancy. Fix or float? Understand terms of loans, interest rates & repayments.
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7. Signing a Mortgage
Cautious about the commitment? Before you sign on the dotted line, understand the often mystifying world of mortgages and what it means for you.
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8. Moving In
Yay - It's moving day! Pull off a smooth operation with this checklist of tasks, suppliers and helpful service providers to help get you settled in your new home sweet home!