We'll arm you with all the info you need, help you steer clear of the traps and sort you out with the best possible deal from the bank. We've even put together a handy First Home Buyers Guide with answers to questions you probably haven't come up with yet.
We've built our entire business around making sure the house buying process runs as smoothly as possible for you, leaving you to get on with the fun stuff, like planning your first BBQ.
We look at the bigger picture and do a lot more than most because we understand it can be daunting, and you've also got other things on your plate. Here's a snapshot of what we'll do for you:
Still not convinced? Here's 50 reasons.
If you’ve got all the legal and financial stuff sorted early you’ll get in first on the great properties. Almost makes you feel sorry for everyone else. Almost. Tip: we can help you with this.
A mortgage is a huge sum of money, which means squeezing what feels like loose change out of your bank can save you thousands of bucks in the long run. Seriously. Get your mortgage right and it's the easiest money you'll make.
Don’t fall for their free-tv-cash-back-free-groceries-for-a-year trickery – choose the right mortgage, and you’ll be able to buy your own TV. Being on salaries (therefore unbiased), Squirrel advisers won't get sucked into sending you to a specific bank either.
It's usually the first thing to figure out, so you have a realistic idea of what house you're going for, what area and what kind of houses are in your price range. Our handy dandy calculator will help figure this out for you.Find out how much you can borrow
To give you an idea of what you can afford in real terms, try setting up a bank account so that your savings (+rent) equate to your probable mortgage repayments. You’ll find out pretty quickly if you can cope or not.Repayments calculator
When it comes to borrowing, the bigger the deposit the better. Yep 20% is a hefty chunk, but it’s ideal so you don’t have to pay extra interest. It's not as black and white as you might think though. As well as KiwiSaver, there are a few ways of making up that 20%.Learn the ins and outs of deposits
When we’re talking hundreds of thousands of dollars, a fraction of a percent change in interest or repayment rates can save you a packet. Having said that, life’s not all about money and sometimes it’s better to go with the lender that works for you long-term rather than saving some dollars in the short-term. We can help you make the right choice.Understanding your mortgage
We have tons of blogs just for you, young first home buyer. Arm yourself with all the knowledge you can so you've got the edge above your competition.
Buying a home is a tricky business. There are so many considerations to take into account.
Buying a home isn’t easy at the best of times. There are a lot of crap overpriced houses out there, poorly-maintained houses, and 90s leakers. We've got 10 tips to help you out.
There could be any number of reasons why a mortgage application might get declined. Here are the most common:
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