A brief summary of the purchase process is:

1. Locate a property you would like to buy. Have your three top wants. However, remember this is not your forever home. This is your first home.
2. Make an offer which includes conditions you require, finance, builders report, LIM and anything else you determine is required when you view the property.  We are happy to discuss this with you.
3. Once your offer is accepted, the Real Estate Agent will provide us with a copy of the agreement.
4. We will then search the title, assist you with your conditions, provide the agreement to your Bank etc.
5. You will contact an insurance provider to insure the property from the settlement date. The property must be insured with the Bank’s interest as mortgagee noted. If the property is not insured, the Bank will not lend you money.
6. Once you are happy with the property, we will confirm the conditions as satisfied to the Vendor’s lawyer.
7. You will pay the deposit, normally to the Real Estate Agent.
8. If you are using Kiwisaver you will complete the withdrawal application and we will send it to your provider.
9. If you are applying for a deposit subsidy from the Government, we recommend you get pre-approval when you start looking for a property. We will then submit your application, receive their documentation and prepare the same ready for you to sign.
10. You will finalise your loan structure with your Bank and contact a power supplier to supply power to the property from the settlement date.
11. Your Bank will send us their instructions and documentation. We will prepare the same together with all other documentation required to achieve settlement.
12. We will meet with you to sign all documentation.
13. We will prepare a statement showing the amount required to settle, including our fees and disbursements (things we need to pay on your behalf). You will pay the required funds to us.
14. You will do a pre-settlement inspection of the property. This is organised with the Real Estate Agent.
15. On the settlement date the Bank will send us the loan funds.
16. We will attend to settlement once the Vendor’s lawyer is ready to settle.
17. Once we have settled with the Vendor’s lawyer you will obtain a key to the property, normally from the Real Estate Agent.
18. You move into your new home and pop the bubbles to celebrate.
19. We will advise Council that you now own the property. They will send you rates and water charges.

We will walk beside you throughout this process answering your questions and guiding you along the way.