Steps towards buying a home
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1Tahi
Conditional approval
Conditional approval, sometimes called pre-approval, will give you an idea of how much money you’ll be able to borrow. It'll also speed up the process for getting full approval. Find out more.
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2Rua
Finding a home
When you’re on the house hunt, make lists of what you need and what you want – keeping in mind that you can’t always get everything you want, but if the property gods are smiling you might just get what you need. Find out more.
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3Toru
Making an offer
You’ve found the house you want, now you’ve just got to make it yours. Do your homework so you don’t end up with a lemon and get a lawyer involved to help you through the paperwork. Find out more.
Handy terms to know while you look for a home
Demystify the house buying and home lending process by learning the language.
- Asking price
- The advertised price for a property - the price you actually pay can be different.
- Market value
- An estimate of the property value right now – that is, what a buyer would be prepared to pay and what a seller would accept for the property at a point in time.
- Rateable value (RV)
- The value placed on a property by the local council for rating purposes (also known as the Government Valuation or GV).
Next steps to buying a home
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