Typically a phone / video call where we get to know each other and decide if we are the right fit.
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I will be asking questions to establish where you are now, based on your current situation what potential lending you could get, then compare this with what sort of property you want to buy.
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We will either move straight into step 2 or I will help develop a game plan with regular check ins to ensure you are in a position to move to step 2 as soon as possible.

Is a little more involved and requires gathering documentation – payslips, ID, last 3 Months bank statements to name a few.


I have a secure online portal that I will invite you to where we will capture your Expenses ( regular costs – food, power, phone ) Assets (Kiwisaver, other savings, Cars, boats etc)  and Liabilities ( credit cards, after pays, other loans).
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Everything needs to be evidenced for the bank to consider it – if we can't evidence it, we can't use it. The banks will also run a credit check so we need full disclosure.

I will be reviewing the information supplied, identify anything missing and firm up your potential budget. Your application is now ready for submission to a lender.
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We have 2 options:
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1. Pre-approval, typically limited to your own bank and is approval of your budget only. We still need to get the house approved.
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2. We have found a house and we can submit a “Live Deal” and go to the lender that best suits your situation.

Identify the suburb that falls within your budget provided in Step 1 & Step 3
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I recommend looking at several on the same day so you get a feel for the market and it is easier to compare and remember each property.
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Bear in mind this is your first home, not necessarily your forever home.

Typically, the bank will come back with either a "Full Approval" or a "Conditional Approval", which means we have a couple of things to complete.
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Once we can satisfy the items listed on the Conditional Approval and we have received the updated Full Approval we can satisfy the finance condition.

For us, this is the most important step of all. Based on your personal situation we design your loan structure whilst also considering the market conditions now and in the near future. This is based on our knowledge of property cycles.
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We also prep you for the next step – Settlement Day.

Congratulations, you are now officially a homeowner!
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Remember to order takeaways for dinner tonight and have a moving day box with sheets, snacks and toilet paper.

First job is to get someone to make the beds so when you are tired of moving you can just climb into bed for a comfy night's sleep.