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10 stages to secure your home purchase
Check off each of these steps to buy your first house.
AI summary
This guide outlines 10 key stages for securing your home purchase. It covers critical financial steps like paying the deposit, meeting bank conditions, and arranging your KiwiSaver withdrawal, which can take over 10 working days.
You'll also need to decide on your mortgage structure and consider a relationship property agreement if co-buying. Final steps include a pre-settlement inspection, signing loan documents with your solicitor, and securing mandatory home insurance before the settlement date.
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
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