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 paying the deposit, focus on meeting your bank's conditions and arranging your KiwiSaver withdrawal well in advance.
Key steps include:
- Deciding on a mortgage structure
- Completing a pre-settlement inspection
- Considering a relationship property agreement if buying with others
Finally, you must sign loan documents with your solicitor and arrange both home and contents insurance and personal insurance before the settlement date to fully protect your new investment.
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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