First Home Buyers
Buying your first home is an incredibly exciting milestone and a time full of questions, emotions and possibly stress.
We’re here to help you make informed decisions and enjoy the process.
We’ will guide you each step of the process, making sure you have the right information and support to secure the best home for your personal circumstances.
Why talk to Hewett Mortgages instead of a bank?
You will receive an independent, unbiased overview of what is being offered by a range of banks and lenders. We work for you, not for the bank, so we will compare apples with apples without promoting one product over another for anyone’s benefit other than your own.
You’ll be working with someone who knows the real estate market better than the bank. We look at your borrowing needs as more than just a mortgage – to us it’s your first step on the property ladder and we’re here to support you through all the complexities that might entail. If you need a second or third opinion on a particular property, we’re here to help – we’ve been buying property for over 20 years and know what to look out for.
You’ll be supported by our range of other trusted professionals who will help you through the other important decisions. We can connect you to an accountant, lawyer, insurance broker, tradespeople, movers, etc if needed. We’re there for you through the entire purchasing process, from start to end.
We have the time and the prior experience to do all the research, shopping around and negotiating on your behalf. If we need to leverage different lender products against each other and do the hard negotiating for you, we will.
We’re experienced in structuring complex loan arrangements (e.g. involving family guarantors, trusts, partnerships, business equity, etc) and will take your full financial situation into consideration if needed. We see you as a person, not just a borrower.
Need Pre-approval?
If you’re just starting out and want to know what you can afford, give us a call for a no-obligation chat.
We can talk you through the details of the pre-approval process and help get you started.
We’ll calculate how much of a deposit you need, and what difference a change in deposit amount will make over the long-term
We’ll look at how to use your KiwiSaver to help with your first home purchase and whether you qualify for a KiwiSaver First Home Grant
We’ll explain the different types of loan structures (principal, revolving credit, interest only, etc) and determine what’s best for you
We’ll help you understand the details of securing a loan with a partner or family member, having a guarantor, or any other complex borrowing arrangements there may be
Already Pre-approved?
We’d love to chat, even if you’ve already visited a bank or other lender. We can give you an idea of what else is available, and talk you through some other options they may not have offered.
More than just Borrowing Advice
Because we’ve been working in property and financial services for over two decades, we can provide you with extra guidance and expertise beyond the loan.
We can introduce you to our trusted contacts and support you through your dealings with some of the other professionals you’ll need through the property sale, including:
accountant
lawyer
valuer
building inspector
insurance broker
tradespeople (electrician, plumber, handyman, painter, plasterer, renovation specialist, etc)
Our aim is to help make the property purchase or investment process as stress-free as possible for you. We see beyond the numbers and help you with this exciting step up the property ladder.
Let’s Talk
Our service is FREE to all clients and there are no silly questions.
Get in touch and let’s get started.
Mob: +64(0)274 388 158
Email: tapere@hewettmortgages.co.nz