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FIRST HOME BUYER

First Home Buyer

Buying your first home is both an exciting and confusing task. To make the process as seamless as possible, we have a step-by-step guide on securing a home loan approval for your first home purchase.

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MORTGAGE

Refinancing

Refinancing is moving your home loan from one bank to another or from a non-bank lender to a bank.
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Investment Property

In New Zealand, property investment is the single most significant type of wealth creation. Property investment needs to be carefully planned to be successful.
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Commercial Loan

A commercial loan is backed by a commercial property such as a retail shop, an office building, or an industrial warehouse.
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Construction Loans

When you have looked at various homes and can’t find the right fit, the next best option is to construct yourself. But, of course, the first question most people ask is how and where to begin, and while building your own home may sound thrilling, it may be frustrating if things don’t go as planned.

You will need to determine the costs of building the home and the documents required for loan approval.

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Property Development

You are now a property owner, and you are ready to carry out your next housing project. Property development is a logical next step for homeowners wishing to expand their property portfolios. Most investors start by building 2-4 houses on an extensive section and renting them out or selling them to earn profit from the development business, which can turn into a new stream of revenue.

While property development can be lucrative, the lending market and the numerous financing choices are complex, even for experienced investors and developers. Therefore, you must get the right help and advice when borrowing money to fund property development.

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The Process

Before moving into your new home, there are several steps you’ll need to complete. Don’t worry, Infinity Loans is here to walk you through the process. 

Consulting the Adviser

The first step of home buying is contacting a trusted mortgage adviser like Infinity Loans to establish your borrowing capacity.
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Consulting the Adviser

The first step of home buying is contacting a trusted mortgage adviser like Infinity Loans to establish your borrowing capacity. Your purchasing limit is based on your income, living expenses, fixed commitments, and other financial factors.

During this process, we will give you an indication of the max loan and ideal bank.

Pre-Approval

The second step is getting pre-approved. We will work closely with you during this process to gather all the information required.
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Pre-Approval

The second step is getting pre-approved. We will work closely with you during this process to gather all the information required. Then we will submit your application to your preferred bank and determine your pre-approved lending amount.

Finding the Perfect Property

The third step is finding a suitable property. Once you’ve found the home of your dreams within your pre-approval amount,..
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Finding the Perfect Property

The third step is finding a suitable property. Once you’ve found the home of your dreams within your pre-approval amount, we will check with the bank if the property is acceptable by the bank as a security.

Sale & Purchase Agreement

Once we get the green light from your bank, you can sign the Sale and Purchase Agreement for the property.
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Sale & Purchase Agreement

Once we get the green light from your bank, you can sign the Sale and Purchase Agreement for the property.

We recommend including a conditional offer as you will need some time to get an appraisal and check if the property best suits your needs. Your solicitor will also need to sign off on the title or other potential legal clauses under the Sale and Purchase Agreement.

Unconditional Contract

As soon as a bank and seller sign off on the property, you can advise your solicitor to confirm to the vendor that the contract is unconditional.

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Unconditional Contract

As soon as a bank and seller sign off on the property, you can advise your solicitor to confirm to the vendor that the contract is unconditional. This process may take 5-10 working days.

Settlement Date

The final step is Settlement Day. You can choose to change the ownership of the property to your name.
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Settlement Date

The final step is Settlement Day. You can choose to change the ownership of the property to your name. We will meet you before the Settlement Day to discuss the ideal mortgage structure, best-negotiated rates, and potential cash offer so that we will be prepared for the big day.

Consulting the Adviser

The first step of home buying is contacting a trusted mortgage adviser like Infinity Loans to establish your borrowing capacity. Your purchasing limit is based on your income, living expenses, fixed commitments, and other financial factors.
During this process, we will give you an indication of the max loan and ideal bank.

Pre-Approval

The second step is getting pre-approved. We will work closely with you during this process to gather all the information required. Then we will submit your application to your preferred bank and determine your pre-approved lending amount.

Finding the Perfect Property

The third step is finding a suitable property. Once you’ve found the home of your dreams within your pre-approval amount, we will check with the bank if the property is acceptable by the bank as a security.

Sale & Purchase Agreement

Once we get the green light from your bank, you can sign the Sale and Purchase Agreement for the property.
We recommend including a conditional offer as you will need some time to get an appraisal and check if the property best suits your needs. Your solicitor will also need to sign off on the title or other potential legal clauses under the Sale and Purchase Agreement.

Unconditional Contract

As soon as a bank and seller sign off on the property, you can advise your solicitor to confirm to the vendor that the contract is unconditional. This process may take 5-10 working days.

Settlement Date

The final step is Settlement Day. You can choose to change the ownership of the property to your name. We will meet you before the Settlement Day to discuss the ideal mortgage structure, best-negotiated rates, and potential cash offer so that we will be prepared for the big day.

We will help you to find the the right loan from New Zealand’s Leading Banks and Lenders.

Mortgage

Refinancing

What is Mortgage Refinancing?

Refinancing is the process of reorganizing or restructuring your loan to provide you with both floating and fixed terms that suits you. It may entail moving your loan from one bank to another to take advantage of better terms and conditions in your best interests.

Anyone with a mortgage can refinance, and you don’t have to be a current Infinity Loans customer to enjoy the benefits of this service.

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Investment Property

In New Zealand, property investment is the single most significant type of investment. Property investment needs to be carefully planned to be successful. You should locate the ideal house that will ensure your financial security. To achieve this, seek professional financial guidance to fully comprehend the financial commitments of owning an investment property. This will help you make an informed decision and guarantee that you get the best results.

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Commercial Loan

What is a Commercial Loan?

A commercial loan is backed by a commercial property such as a retail centre, an office building, or an industrial warehouse.

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