Start with the questions that matter
How much could we realistically borrow?
Is our deposit enough?
Should we get pre-approval before making an offer?
Know your position before you start
A useful starting point is not a house listing — it is a realistic view of your deposit, borrowing position and expected repayments. We review your financial information, explain what may influence a lender's assessment and identify gaps that may need attention before an application is submitted.
If a pre-approval is appropriate, we help prepare the application and explain its conditions. A pre-approval is not final approval: the lender must still accept the property, confirm that its conditions have been met and reassess anything that changes before settlement.
How we can help
- Estimate a realistic borrowing range and repayment level
- Review savings, KiwiSaver and other acceptable deposit sources
- Explain low-deposit considerations and available pathways
- Prepare and manage a pre-approval or full loan application
- Compare suitable loan structures, terms and repayment options
- Coordinate lending conditions with you and the other professionals involved
- Remain available through offer, approval and settlement
Before making an offer
The sale method matters. Auctions normally require an unconditional bid, while a negotiated offer may allow finance, valuation, building-report or legal conditions. We explain the lending position, but your lawyer should advise on the agreement and any legal conditions before you sign.
We also help you allow for costs beyond the deposit — such as legal work, valuations, reports, rates, insurance, moving expenses and ongoing maintenance.
Clarity before the pressure hits.
We help you understand your position before property pressure takes over. You will know the likely budget, the conditions still outstanding and what to check before signing an offer.
Loan approval remains subject to the lender's criteria, responsible-lending assessment, acceptable security, conditions and final approval.
