FIRST HOME
BUYER

Home Loan Mortgage Solutions

first home buyer loan

Stress Free Loans For First Home Buyers in Auckland, North Shore, NZ

OK, so you’ve made the decision to purchase your first home.

What’s next…

Buying your first home is probably the biggest financial decision you will ever make.

It’s important to have someone in your corner who knows the process inside out and can walk you through the entire journey.

That’s where I come in. I offer a step-by-step process.

  1. Fully discuss what you want to achieve
  • Budget – purchase price, cost of owning a house, mortgage repayments
  • Property type – Apartment, terraced house, townhouse, standalone house, lifestyle
  • Location – close to work, schools, recreation, airports, services
  • Time frames – are you ready to go now, or make a plan for the future
  1. Outline how the mortgage application process works
  • What type of information do the banks want?
  • What are your deposits options and what evidence do you need?
  • Discuss the types of mortgages that may suit your requirements
  1. Help you to get your documentation together to meet strict lender requirements 
  • Income – provide proof of all available income to service the new mortgage
  • Expenses – ensure all essential and discretionary costs are included
  • Assets – provide confirmation of deposits such as savings, kiwi saver, gifts
  • Liabilities – include all short-term & fixed debt commitments
  • Property Details – Sales & Purchases agreement, title, valuation, building inspection

  1. Apply for the mortgage to get yourself and the property pre-approved by the lender
  1. Ensure you understand the different mortgage options & negotiate with lenders to get the best deal for you.
  • Floating – lump sum repayments
  • Revolving Credit – efficient use of surplus income
  • Fixed – stability of repayments
  • Interest Only – Tax efficient structures for investments
  1. Walk you through buying a home & provide a checklist outlining all the main points
  • Finding a home 
  • Before you make an offer
  • Once your offer is accepted
  • Preparation for settlement & Moving

If you have a 5% deposit please check out First Home Loans.

The best part is, my services to you are free.

As your mortgage broker, I work as your advocate and ensure you get the best mortgage advice.

I am only paid a commission from the bank once your mortgage is secured and successful. Know more about Mortgage Review, Refix or Refinance.

first home buyer

My job is to walk you through the mortgage process and ensure you get the right mortgage and have a financially stable future ahead of you.

You don’t need to commit this to memory, but below is an overview of what my process looks like for first time home buyers:

Meeting and Chat

Every mortgage and loan is different, so I take the time to understand you and your situation, so we can prepare the right supporting documents for the bank

Set up for Mortgage Application Success

One of the biggest parts of my job, is making sure your application is complete and attractive to the banks to approve the loan. Particularly with first time homebuyers this can be a tricky to do. Your application is custom built to highlight your individual circumstance and lending eligibility.

Summary and Action Steps

I get it, it’s a lot to remember. After our first meeting, I will send you a summary that you can refer to at any time, plus a list of the action points we need to take to get ready for the next step.

Home Ownership Budget

Indicative home ownership budgets will be presented along with quotes for homeowners’ insurance to demonstrate that the budgeting for a new home has been well thought out and established.

A Home Buyers Financial Assessment

There are several hidden costs that come with buying a home that aren’t included in mortgage payments. To ensure you are fully prepared for the transition, we do a financial assessment to compare your existing fixed costs and the added costs of a new home to ensure you have the right finances in place.

Options for Deposits

First time home buyers are in a unique situation to utilize many different options to raise funds for a deposit. This includes grants, kiwi saver, family guarantees, and much more. I will ensure no stone goes unturned to find the best deposit option for you.

First Time Home Buyers Checklist

Buying your first home and securing lending is a time sensitive process with many steps. To help keep things on track, I offer a full checklist of steps and timeframes that need to be met. You will never be unsure of where we are in the process.

This is just a brief summary to give you an idea of what the process looks like to prepare for a mortgage. If you are ready to get started or want to ask a few more questions, contact me today.

    Testimonials

    • 5 star review  Oliver helped me with every step of my first home purchase. He's very responsive and helpful. Definitely saved me a lot stress and work 🙂 I'd recommend to anyone looking to purchase a house.

      thumb mejsnarp
      26/02/2021
    • 5 star review  Oliver brought our dream to reality. He is amazing.

      thumb Iran Lover
      07/11/2021
    • 5 star review  Highly recommended, top quality advisor - very happy with the result. Oliver was able to provide multiple loan options for us to consider which gave us valuable choices and comfort levels and enabled us to make the best decision.

      thumb Steven Holden
      21/09/2021
    • 5 star review  Oliver provides concise mortgage advice enabling you to make informed decisions during the process. I have used Oliver's services several times over the years and each time been happy with the outcome.

      thumb Patrick Long
      19/12/2021
    • 5 star review  Working with Oliver was great! We felt like we had constant support throughout the journey, which is quite overwhelming for a first home buyer. We would highly recommend working with him.

      thumb Chris Morgan
      28/02/2021
    • 5 star review  Anyone who asks for help with Mortgages, I happily give Oliver's name! I am so very grateful for his help last year getting some stability with our home. He was extremely professional and very patient helping me with anything I was not sure on during the process. I highly recommend Oliver. Oliver thankyou so so much for all your fabulous work helping me and the kids secure our future! aka V Evans

      thumb ness L
      03/09/2020
    • 5 star review  Oliver was fantastic and stuck with us through a very long process.

      thumb Craig Hurley
      16/12/2021
    • 5 star review  I recently purchased my first home. It took 8 months to find the right house in the current market. Oliver patiently assisted me through the entire process. I found Oliver to be extremely knowledgeable, helpful and was very prompt on communication with the many queries I sent to him. I highly recommend his services.

      thumb Hanna Marshall
      24/03/2021
    • 5 star review  Oliver was excellent in helping us purchase our very first home. Oliver is very approachable, has great knowledge and very welcoming. Oliver was great at answering our questions and making sure he was available to us if we needed to ask anything. I would highly recommend Oliver if you are in Auckland.

      thumb cassandra louise Jobin
      02/07/2021
    • 5 star review  Me and my wife Rebecca had the opportunity to work closely with Oliver when purchasing our first property. We had already done some research and Oliver came highly recommended to us. Straight from the outset Oliver put us at ease! something which was so important as we started our process of being first time homeowners!. Throughout the course of the coming weeks and months Oliver was always on hand to guide us in the process and we felt completely assured step by step. Oliver was highly knowledgeable, experienced and professional and we can't thank him enough for all his guidance! he was outstanding and any question or concern we may have had he quickly put us at ease. We would highly recommended Oliver for any mortgage and insurances queries.

      thumb Jess Ibrom
      02/03/2021