- 0800 404 202
Mortgage Broker Rotorua and Waikato
No matter what your property aspirations may be we can assist:
- First home buyers
- Self-employed borrowers
- Upgrading to your next house
- Top ups for virtually any purpose such as renovations, vehicle purchases, or debt consolidation
- Investment property purchases and restructuring
- Commercial and industrial property
20% deposit too much?
Lets face it, buying property can be stressful - especially if it is your first ever purchase.
The process itself is straightforward but even if you’ve been through it a few times there are still things that can trip you up. And mistakes can be costly. We can get the best mortgage for you (of course!) but we also aim to guide you through the home buying process itself, which is:
- See if you qualify
This first crucial step will answer three basic questions: Will a bank lend to me, how much will the bank lend and what are the repayments likely to be? Armed with that information you can make sensible and realistic choices about the kind of property you can afford, location and features.
- Get pre-approval
This step involves us putting your application together and getting a letter from the bank to confirm how much you can borrow. The bank still needs to approve the property itself but your maximum purchase price can be confirmed.
- Making an offer
This is often the most nerve-wracking part of the process. You need to properly investigate the property and then negotiate. Now is the time to engage your lawyer.
- Seal the deal
Once your offer has been accepted there is a range of things you need to do such as satisfying any conditions (eg building inspections, valuations, council reports), paying a deposit, liase with your lawyer.
Another crucial step – insurance for the property is a condition of the loan. Covering you and your family is a sensible and responsible step.
- Settlement / Move in
Yes! You made it through!
Phone the team at Hallam Jones Insurance & Financial Advisers on 0800 404 202 or (07) 348 3161... or send us a message.
"We have been clients of Hallam Jones Insurance & Superannuation Ltd for many years. We have always been treated with the utmost professionalism, courtesy, respect and friendliness whenever dealing with the company."
- Mr & Mrs Johnson