Buying Your First Home
We are so excited to be joining you on your journey to getting you into your very first home. Buying your first home can be daunting – after all, it’s the biggest purchase most people ever make, and is a huge asset that opens a lot of doors for building wealth.
Rest assured, our mortgage brokers always have your best interests in mind. Unlike going directly to the bank, our mortgage brokers negotiate with several different lenders to ensure you the very best deal tailored to your financial situation.
Our Process
01
Preparation
Before the initial meeting, we’ll ask you to do a bit of prep work to ensure you are familiar with the terminology during the process and have access to everything we may discuss in our first meeting. You can view our General Home Loan Terminology here.
02
Initial Meeting
At our first meeting with you, we will answer any questions you may have and will talk about your financial situation, what sort of house you’re looking to buy and in what timeframe, if you will be using your KiwiSaver etc.
03
Application
After the initial meeting, we will send you a list of all documentation needed for your home loan application and will send you all forms that need to be filled out so we can take this to the bank.
04
Submission
We then begin to set a narrative with the bank regarding your loan application and negotiate with them on what they’re willing to offer you.
05
Pre-approval
Once pre-approved, you can begin to put offers in on houses you’re interested in. Our lending specialists will work with you to ensure the chances of your offer being accepted are high.
06
Offer
Once your offer is accepted on a house, you can begin satisfy all bank and sale and purchase conditions before going unconditional. Once the offer goes unconditional and a portion of the deposit is paid.
07
Settlement
Congratulations! You are now in the settlement phase. It is time to sign all documents and pay the rest of your deposit, choose how you’d like your mortgage to be structured and get the keys to your new home.
How to Get Your First Mortgage
Start your mortgage journey with more answers than questions
It takes a village. We can connect you with professionals to ensure your best interests.
Don’t know where to find the following professionals? No worries! If you’d like, we can connect you with one.
- A property lawyer (to go through all contracts with you, go over the LIM report for the property, ensure all conditions of the pre-approval are met etc.)
- A builder (if you’re getting a builders report on an existing home)
- An insurance broker
Why Work With Futurebound?
Years of Expertise
We have 50+ years of combined experience and expertise within the Mortgage Advisory and Financial Coaching space, so you can ensure you’re in safe hands.
Award-winning Team
We’re an award-winning team, and are proud as punch about it! To view our awards we’ve received over the time we’ve been in business, check out our testimonials page.
Thought Leader
We are someone with trusted opinions within the mortgage and financial space. To view the publications we’ve been featured in, check out our testimonials page.
Tips
We educate so we can fill your knowledge gaps around financial concepts and information as we know it wasn’t learnt in school, your parents didn’t teach you, and the banks won’t tell you.
Tools
You’ll always get the right tools so you can implement quickly and apply what you’ve learned to your own situation as soon as possible
Support
We provide coaching and accountability to ensure you’re on the right track and that you don’t make any costly mistakes on your journey.
What Our Clients Say
Don’t take our word for it. Here’s what our clients say:
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