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Your First Step Into Homeownership — Made Simple

Purchasing your first home is an exciting milestone, but it can also feel overwhelming with so many steps and decisions involved.

That’s where we step in. Our role is to guide you throughout the entire journey, making the process clear, simple, and stress-free. From working out what you can afford to getting the keys in your hand, we’re with you at every stage.

How We Help First Home Buyers

  • Understanding Your Borrowing Power: We’ll explain how much you can realistically borrow, what lenders look for, and how to prepare your finances to attract better offers.

  • Simplifying Bank Approvals: Dealing with banks doesn’t have to be complicated. We liaise with lenders on your behalf, making sure the process runs smoothly and without unnecessary stress.

  • Tailored Solutions for You: No two buyers are the same. We customise advice and mortgage options to suit your unique circumstances.

Step 1: Connect with a Mortgage Adviser

  • Reach out to Truviser to kickstart your journey. We’ll assess your financial situation, explain your options, and create a tailored mortgage plan.
  • Share your homeownership goals—we’ll help you understand what’s possible based on your income and savings.
  • Get a clear roadmap from deposit to settlement, so you know exactly what to expect.

Step 2: Prepare Your Finances

  • Aim for at least a 5% deposit—A higher deposit can reduce costs.
  • Budget for extra costs like legal fees, registered valuations, LIM reports, and building inspections.
  • If you’ve contributed to KiwiSaver for 3+ years, you may be eligible to withdraw most of your balance (leaving $1,000) to help with your deposit.

Step 3: Gather Your Documents

  • Bank statements showing your deposit funds
  • Payslips or tax returns to confirm income
  • Recent banking history to show savings and spending habits
  • Valid ID (passport or driver’s licence)

Step 4: Secure Your Mortgage

  • We’ll help you get pre-approved, giving you a clear budget for house hunting.
  • Compare rates and terms from NZ banks and lenders—tailored to your needs.
  • Choose fixed rates for stability or floating for flexibility, with repayments that fit your lifestyle.

Step 5: Find Your Perfect Home

  • Explore areas that suit your needs—consider schools, transport, and long-term value.
  • Visit properties and consider professional inspections for peace of mind.
  • We can connect you with trusted lawyers and Real Estate Agents to review contracts and ensure a smooth process.

Step 6: Make Your Offer

  • Use your pre-approval to make strong, competitive offers. We’ll advise on market Interest rates.
  • Your lawyer will review the Sale & Purchase Agreement to protect your interests.

Step 7: Finalise and Move In

  • We will advise you every step of the way to get everything finalized.
  • Review loan details—rates, repayments, and fees—with our guidance.
  • Coordinate settlement with your lawyer, then move in and celebrate!

Why Truviser?

• Personalised guidance based on your financial situation and goals

• Top lender deals negotiated on your behalf

• Support from start to finish, from your first call to moving day With Truviser, your first home is closer than you think.
Contact us today to start your journey with confidence.

Making your next move your Best move…

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