Kāinga Ora-led developments offer high quality homes at fixed prices in great neighbourhoods around Auckland, like Roskill, Northcote, Hobsonville Point, and Mangere. Significant investment is being poured into each of these areas to build on their strengths and prepare them for growth - so you can be confident you’re buying in an area people will love to live in for years to come. To learn more about why buying in a Kāinga Ora-led development is such a smart move, visit thesmartmove.co.nz.
You’re probably keen to buy a home for several reasons. You might be sick of paying someone else’s mortgage, you might want to put down roots so you don’t have to move for a while, or you might be looking for a safe and secure home for yourself or your whanau. Whatever your reason, here are some tips that will help you get started on your journey:
You’ve dreamed of buying a home for some time. You’ve thought about it, talked it over with friends and family, and may have received some professional advice about it. Your conclusion is that buying could be possible. Now you’re in investigation mode. You want to know what you can buy, where you can buy it and for what price.
Here are some links and information that will help you in this phase.
You’re getting closer to knowing where you want to live and what type of property you can buy. You may have even spoken to a real estate agent and attended some open homes, and you have an indication of how much the bank is willing to lend you. You can now get fully prepared to buy. This mostly includes making pre-applications and applications for loans and for government grants and schemes that may be available to you.
If you’re unsure of how or if the government can help you to buy a home, please check the Investigating phase above to find out more.
For more information on what you can do to make things easier in this phase, please see below:
You have your finances, grants and schemes organised and pre-approved or you may even be fully approved. You know how much you can spend, what type of deposit you have and what type of home you can afford. You may have secured a First Home Loan and a First Home Grant and you may be using your KiwiSaver funds as part of the deposit to buy your home. If you’re looking at KiwiBuild, you may have been to some open homes and spoken to the builder or developer that is responsible for building them. This is the phase where your journey starts to get exciting.
Here is some more information about the home search phase and where you can go for more information:
You’re coming to the end of the home buying journey. It’s time to finalise your home purchase and move in. Remember, now that you’re a homeowner you have new expenses to think about such as rates, insurance and your mortgage.
Here are a few ideas on how to make the move to being a homeowner easier.