First home buyer

Stepping onto the property ladder for the first time is exciting and a major milestone in one’s life. Here at WBS we have a long history of helping first home buyers turn the dream of home ownership into reality.

Finding the house you want to make your home can take time.

While you’re looking, we can work through what your deposit could look like, how loan repayments may impact your budget, and guide you through new expenses you may not have experienced before such as rates and house insurance payments.

Learn about the various types of loans you can have.

Fixed or floating rate, all fixed or all floating, or a bit of each, is also part of understanding how we can ensure you get off to the best start on this new venture.

Legal fees including your conveyancer’s time, land transfer fees and LIM report.

These are just some of the extra costs you need to think about when buying a home. You may require a registered valuer’s report as well as a building or engineer’s reports. We can guide you through these extra up-front costs to help you budget for these expenses.

Once you’ve found the right house and your offer to the vendor (seller) is successful, all the research you have done above is now put into action.

Confirming the structure of your home loan, getting the LIM report, finding your lawyer, how you’re going to get your house insurance in place ready for settlement are just some of the jobs that need to be completed before settlement date. Most of these actions can be organised beforehand removing any stress of the thought of having all this work to do.

We’ve been around Wairarapa for a long time now, meaning we have strong relationships with many lawyers, valuer’s and other professionals in the area. Working alongside these professionals ensures each step of the process goes as smoothly as possible for you.