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When my wife and I were looking to purchase our first house we tried to go to the banks first and soon found that they weren’t that helpful with providing first time buyers with the information we needed.
- Jason & Marlene

I have known Steve since 1985 when we worked together at ANZ. He has been looking after my mortgage needs for over ten years now. He is good at what he does and I rate him very highly in both business and personal dealings. I regard him as a friend and would recommend Steve to anyone.
- Solo Elu Mailata

First home buyers 95% Home Loans
- Sorry no longer available until further notice
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Looking for the right home can be exciting and fun – looking for the right home loan is just plain stressful.

And it just got a lot harder with LVR (loan to value) restrictions imposed by the Reserve Bank of New Zealand -

We eat and breathe bank lending policy so we can provide you with the best advice and solutions for your home loan.

We help with the whole process from assessment, submitting, approval and settlement – so you get to celebrate getting the keys to your new home without the stress.

We have a choice of 15 home loan lenders and can do home loans not just in the main centres of Auckland, Wellington and Christchurch - but anywhere in this beautiful country of ours. If you’re in Auckland we can personally meet you or as some of our busy clients prefer; communicating via email and phone.

Here are some quick helpful tips . . .
Have a clear set of goals of what type of home you want. How many bedrooms, bathrooms, size of the section – does the house get good sun? Also consider schools, travelling times to and from work.

Look at as many properties as you can; on Trade Me, Realestate.co.nz, visit open homes get a good real estate agent on the job – get a ‘feel’ for the market in the area you wish to live. Drive around and look at homes for sale. This will allow you to get a good understanding of the price of property so you can make comparisons. Do your homework; it will pay off in the long run.

We can get you a pre-approved home loan so you can ‘shop’ with confidence and you’ll know your purchasing limit, generally these last for 90 days so you don’t have to rush into buying the first house that comes along.

Email us the address and we’ll give you a Free Property Report showing the government valuation, when it was last sold and for how much and how long it been on the market - useful information to help you buy at the right price.

Before you sign a Sale and Purchase Agreement have your lawyer look at it first, it’s a legally binding contract and your lawyer will make sure your interests are protected.

Talk to us – with 24 years in finance we can share some great home loan advice to make your first home purchase as stress free as possible.

So let’s get started call on 0800 ADVOCO (0800 238 626)


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