Process of buying a new home with us.

Assessment

The first step in buying a home is to assess your needs:
1. What size house do you need
2. Where would you like to stay
3. How much can you afford to pay

Information Required

We need the following documentation from you to kick start the process:
1. A completed Client Information Form
2. A clear copy of your I.D.
3. 3 Months payslip
4. 3 Months Bank statement
If you earn commission or over-time, we will require a total of 6 months pay slips in order to calculate an average monthly income.
Co-applicant:
If you have a co-applicant (a person who is buying the house with you) then we will need the same documentation from them.
If you are married in COE, we will need a copy of your marriage certificate and your spouse's I.D.
If you are divorced we will need a copy of your divorce certificate.

Bank Application

You will need to sign the following documentation before we are able to submit your application to the banks:
Final Quotation
House plan
Building Contract
Offer to purchase
Schedule of finishes
NHBRC Enrolment Certificate
Power of Attorney
Connection documents
Your completed application is then submitted to all the major banks to ensure you receive a competitive interest rate.
Once a bank has approved your application, they will instruct the attorneys to draw up the necessary documentation for you to sign. We in turn have the pleasure of informing you that your application was successful and will provide you with the details, such as the name of the bank which approved your bond application and what interest rate they awarded you.

Construction

Once all the documentation is in place and the property has been registered into your name we can then begin construction.
During the building process the following parties inspect the construction:
NHBRC
Council
Engineers
The Bank

Occupation

You will inspect the house together with the company representative then handover final product.
Once both parties are satisfied, you will receive the keys to your new home!
You will get a three month retention period in which we will fix any defects should they occur.