Home Loans
If you are looking at the house to call it home or want to put your step on a property ladder to become an investor, we have the latest tips and expertise to make it a reality for you.
To find out about buying or building a home or reviewing your existing home loan
Ways to get the deposit for your home:
- Genuine savings
- Kiwisaver ( currently for the first home buyers only, please contact your KiwiSaver provider to know your options)
- First Home Buyer Grant ( Please contact Housing New Zealand to know your eligibility)
- Gift money from the family members
- Using equity from your current property to buy another property
First Home Buyers
- Free consultation
- Know your eligibility of borrowing capacity / indicative loan repayment and lending criteria that are applicable for your situation.
- Experience the 6 Step cycle of home buying process to help you get in the home ownership.
- Talk to Team of 0800RACHNA to start your stress-free home loan journey to get in to your First Home.
Investor
- Understand your statement of position and available Equity.
- Explore your options for the type of investment property to suit your budget.
- Know your eligibility of borrowing capacity / indicative loan repayment and lending criteria that are applicable for your situation.
- Understand how capital growth and equity will work for you as an investor.
- Plan your clear exit strategy as an investor and do correct due diligence.
- Talk to team of 0800RACHNA to start your investment journey.
Parties involved in getting you your home:
- Your Trusted Mortgage Adviser
- Real Estate Agent
- Solicitor
- Building Inspector
- Registered Valuer
Different types of home loans:
- Fixed home loan
- Variable home loan
- Flexible home loan
FAQ’s for Home Loans:
You need to be a New Zealand Resident or Citizen to be eligible to get a home loan. If you have 2 years of work permit and your spouse is a permanent resident or a citizen you could be eligible with a minimum 20% deposit. Please contact the team as lending criteria change from time to time.
You need to be contributing to your Kiwisaver for a minimum of 3 years continuously to be eligible. To know your eligibility you need to contact your Kiwisaver provider.
Please contact Housing New Zealand to know your eligibility.
Bank will require a registered valuation in two instances. Either you have less than 20% deposit or in case if you are buying a property off-plan or getting a home and land package.
Why Choose Us?
Why Choose 0800RACHNA?
- Home Loan – Simplified
- Paperwork Sorted
- Unparalleled Advice
- Strong Network
- 5 Star Reviews
- Straight Talk
