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The First Home Buying Journey: From Dream to Keys

The First Home Buying Journey: From Dream to Keys

Buying your first home is an exciting yet complex journey. With so many steps involved, it’s easy to feel overwhelmed. At Smartmortgages.co.nz, we make the process clear and manageable so you can focus on finding the perfect home. Here’s a step-by-step guide to turning your homeownership dream into reality.

The power of 20% deposit

The power of 20% deposit

Many First Home Buyers have asked me why they need to save up 20% deposit when others can get a mortgage approved with just 5% or 10% only. Here’s why having a 20% deposit is a game-changer:

Upgrading Your Property: Buy/Sell or Sell/Buy?

Upgrading Your Property: Buy/Sell or Sell/Buy?

Buying a new home while selling your current one can be a daunting process. Do you sell first and then buy, or secure your next home before letting go of the current one? Each approach has its pros and cons, and the right choice depends on your financial situation, risk tolerance, and market conditions. Here are three options to consider when upgrading your property:

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