Confirming your finances

If you’ve arranged a conditional pre-approved home loan with a bank or another lender and you’ve found a home to buy, you’ll need to confirm the loan before your offer goes unconditional.

Summary of important things to know
  • Getting conditional pre-approval from your bank or lender means you know how much you can spend, and you’ll be able to move quickly to make an offer when you find a home you like.

  • Even if you have conditional pre-approval, most banks and lenders will ask for information about the property before confirming the home loan.

  • Your bank or lender is likely to need proof that you have arranged property insurance before settlement.

  • You may be eligible for government help with a KiwiSaver first-home withdrawal, First Home Loan, First Home Grant or Kāinga Whenua loan.

IMAGE: Finance

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