FIRST HOME
BUYER

Home Loan Mortgage Solutions

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.

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

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

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

Apply for the mortgage to get yourself and the property pre-approved by the lender

Nine Reasons to be Pre-Approved for Your Mortgage

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

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.

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.

CONTACT ME

Testimonials

Oliver was fantastic and stuck with us through a very long process.

Craig Hurley
16/12/2021
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.

Chris Morgan
28/02/2021
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.

Jess Ibrom
02/03/2021
Oliver was unbelievable in helping us buy our first home. He was there every step of the way and was on hand to answer any questions we had. I don’t think we would have gotten our home without his help. Really nice to work with, highly recommend him.

Shane Chambers
31/08/2023
We found Oliver to be very approachable when assisting us with our home loan enquires. Oliver gave us an explanation around all the options we had available and we did not feel pressured into having to take any specific options which can sometimes be the case. We even had some documents hand delivered for signing at our residence as we could not get to the offices at that very moment. Thank you Oliver.

J C
01/11/2022
Oliver brought our dream to reality. He is amazing.

Iran Lover
07/11/2021
Extremely good Mortgage Broker, would recommend to anyone. He was very helpful in getting us our first home, and guiding us through the mortgage process. Highly professional and a pleasure to work with.

Liam Burke-Barton
13/12/2022
Oliver is amazing he made the whole process of buying and selling super easy and hassle free. Would highly recommend

Lisa Johnson
30/10/2022
Oliver is truly the best broker we have ever used. He assisted us with new build home loans, commercial finance and finance. He is super knowledgeable, helpful and honest. We have used Oliver for many years. He helps you every step of the way.

Lara Kamionka
15/05/2022
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.

Steven Holden
21/09/2021

FIRST HOMEBUYER