Feature article
10 stages to secure your home purchase
Check off each of these steps to buy your first house.
AI summary
Securing your home purchase involves several key stages. After your offer is accepted, you'll pay the deposit and work to meet all bank conditions. It's vital to apply for your KiwiSaver withdrawal early, allowing at least 10 working days.
Next, decide on your mortgage structure and consider a relationship property agreement if co-buying.
Final steps include a pre-settlement inspection and signing loan documents with your solicitor. Crucially, you must have home and contents insurance arranged before settlement day.
Step 1: Paying the deposit
Step 2: Meeting the bank’s conditions
Step 3: KiwiSaver withdrawal
Step 4: Mortgage structure and pricing
Step 5: Relationship property agreement
Step 6: Pre-settlement inspection
Step 7: Bank onboarding
Step 8: Signing loan docs
Step 9: Home and contents insurance
Step 10: Personal
Financial Disclaimer
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