The first step in the buying journey, even before you put your undies on in the morning is to understand where you’re at financially. No, I’m not meaning emptying out the old shoebox in the cupboard full of receipts, I’m meaning talking to a mortgage broker like Ben Whitty from NZ Home Loans; he may have sharper eyebrows than Catherine Zeta-Jones and a six-pack Peter Andre would die for, but he really knows his stuff! Ben will assess where you’re at financially and then provide you with your lending options moving forward. He’s not just a mortgage advisor, he’s the first stepping stone to sealing the deal on your dream home.
Once you’ve sat down with Peter Andre, sorry I mean, Ben, another mortgage advisor, or the bank, then it’s onwards and upwards and time to shortlist your open home options.