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Home Purchase Guide
Your Guide to Buying a Home
We really want to help you be confident when embarking on your home purchase journey. A major part of this confidence comes from being fully prepared. To help you, we have explained the key 8 steps involved in your home purchase journey.
These are:
These are:
Step 1: Complete your Wish List
This helps you focus on what you are looking for. Knowing exactly what you need and want in your house will save you time and stress because you will be focused in your search. It will save you from being unnecessarily distracted and confused between your needs and the “nice to have”. This checklist provides you with a list of all the things you and your family can discuss and decide before you embark on your search.
Step 2: Explore Your Financial Options Fully
The Mynest financial model helps you fully explore your financial options and implications, potentially saving you thousands in interest repayments. You will feel much more confident in your approach to house purchase. It will ensure you are fully focused, making your search an efficient one, and strengthen your negotiation power. You will know the maximum you can afford to pay, the impact on your finances, and different scenarios should your income reduce.
Step 3: Get a Pre-Approval for Your Loan
Doing this strengthens your negotiating position. The home loan application process can take some time, and you could visit all the different lenders yourself. At Mynest, we do all the running around and haggling for you, so save you time and money. It’s our job to get you the best home loan possible.
Step 4: Hunt for and Select Your House
The Mynest checklist makes your house hunting easy and stress-free. Going around looking at houses can be extremely time consuming, stressful, and costly. Find out the most efficient ways of carrying out your house search. Give us a call for tips and advice.
Step 5: Conduct Checks on the Property
Excited by the house you have seen?! Wondering if this could finally be the one? Before you open yourselves to fixing what you can't see, it’s critical that you have a qualified 3rd party inspect any property that you are serious about.
Step 6: Make an Offer and Have It Accepted
Strengthen your chances of acceptance by consulting with us first. We have helped many of our clients strengthen their bargaining position by talking through a game plan for negotiating, of which the starting offer price and conditions are key. We may have information that could help you decide what you can offer.
Step 7: Insure Yourself and Your Property
Congratulations on finding your new property.
Now you need to ensure that you have appropriate protection in place. MyNest Mortgage Consultants will be able to refer you to selected qualified Financial Advisers who will be able to put in place relevant negotiated insurance policies to protect your home and content, life insurance, income protection and even your contents in transit.
Step 8: The Best Bit - Move In!
Once you have done the pre-settlement inspection and done the legal stuff, it’s time to pick up the keys and open the door to your new home. The most important thing to remember here is the champagne and glasses – essential!
Address: PO BOX 24556, Manners Street, Wellington CBD
Phone: 04 971 1215 Mobile: 021562648