At Total Mortgages, we know that navigating the mortgage landscape can be complex, and many clients come to us asking “what is the process of getting a home loan?”.
That's why we've designed a streamlined mortgage broker process to help you secure your dream home with ease. Let's walk through our step-by-step home loan process.
Our process starts with an initial discovery call. During the call, our team will get a basic understanding of your goals and requirements. We’ll also provide advice and feedback on how we might be able to help. We'll tell you a bit about the overall process, helping you understand what you can afford and how to improve your chances of approval.
From there we move into the Fact Find phase, where we’ll ask you to complete a statement of position via our online portal. This will only take about 15 minutes.
After pre-approval, we move onto the mortgage application process. Once you’ve completed your statement of position, one of our advisers will call you within two business days to review your details, making any necessary changes along the way. We will run some preliminary calculations to ensure we are able to assist you and give you the nod to proceed.
At this stage, we'll collect all necessary documents required by lenders. We simplify the home mortgage loan process by liaising with lenders on your behalf, eliminating the stress and confusion often associated with this step.
Key steps in this stage include:
Once the lender receives your application, the mortgage process moves into the approval stage. During this phase, lenders thoroughly review your application, verifying all the information provided.
Once we get to this point, we have a 90% success rate. We say to allow 5-10 working days for your application to be assessed by the lender. We’ll send you an update with the expected turnaround time; each lender’s turnaround times vary and changes on a regular basis.
After the lender approves your application, we'll guide you through the final steps in the process of getting a home loan. This part of the mortgage process includes explaining the terms of your loan, ensuring you understand every detail before signing any documents.
If you're considering refinancing your current mortgage, we've got you covered. Our team will guide you through the refinance process, helping you understand all the options available to you and ensuring you make an informed decision that suits your financial situation.
Here's why our process stands out:
At Total Mortgages, we believe in making your dream of homeownership a reality. Our mortgage broker process is designed to provide you with personalised service, expert advice, and a smooth, hassle-free experience from start to finish.
Ready to start your journey to homeownership? Let us guide you through the process of securing your dream home. Book a discovery call with us today.
Applying for a home loan in Christchurch is easy. Simply get in touch with us to book a discovery call, and one of our mortgage brokers in Christchurch will guide you through the process. We’ll be with you every step of the way to answer any questions you may have.
Our team of advisors have years of experience, and know the Christchurch property market inside out. With an extensive network of lenders and connections within the industry, we have access to all the best mortgage deals. During our initial Discovery Call, we’ll help you tailor a plan for your unique property needs, then set about helping you to realise your dreams. Contact us today.
Working with a mortgage broker generally comes at no cost to you as our advisers are paid by the lenders, so enlisting the services of a Christchurch mortgage advisor is more affordable than you may think! We’ve also built a collection of tools to help you assess how much your home loan and mortgage will cost.
When it comes to choosing a reputable mortgage advisor in Christchurch, it’s important to consider their track record and experience. At Total Mortgages, we have an award-winning team with years of experience in the New Zealand home loans market. We’re proud of our customer reviews, and we stay informed with all the latest market trends to offer you the most up-to-date advice. Contact us today to book your in-depth discovery call.
When looking for a mortgage advisor in Taupo, it’s best to consider their track record. At Total Mortgages, we know the Taupo home loan market inside out and have years of experience. Our reviews speak for themselves, and our award-winning team keeps up with the latest market trends to provide you with comprehensive advice. Contact us today to get started.
Our Taupo mortgage advisers are paid by the lenders, so working with a mortgage broker generally comes at no cost to you. We also have handy tools to help you assess how much your home loan and mortgage will cost.
With an extensive network of lenders and connections within the industry, our Taupo mortgage advisors know the local property market inside out. We also have access to the best mortgage deals, so we are well-equipped to help you realise your property dreams. Our brokers will tailor a unique plan to suit your needs during our Discovery Call, then set about helping you to reach your goals. Contact us today.
Get in touch with us at Total Mortgages to discuss your home loan needs today. We’ll organise a Discovery Call, where our mortgage brokers in Taupo will walk you through the process. We’ll be with you every step of the way to answer any questions you may have.
The Queenstown property market is competitive. At Total Mortgages, our mortgage advisors know the local property market inside out, and have years of experience when it comes to home loans in Queenstown. We also have an extensive network of lenders within the area, so we can put you in touch with all the best deals. Contact us today to find out more.
As the property market in Queenstown is so competitive, you need an experienced mortgage broker on your side who knows their stuff. It’s also important to consider your broker’s track record and experience. Here at Total Mortgages, our award-winning team has years of experience when it comes to Queenstown home loans, with some of the best mortgage brokers in Queenstown. Check out our reviews, and book a discovery call today to get started.
Working with a mortgage broker in Queenstown is much more affordable than you think, as it generally comes at no cost to you. This is because our advisers are paid by the lenders. We also have tools to help you assess how much your home loan and mortgage will cost.
It’s an easy process to apply for a home loan in Queenstown. Book a Discovery Call with the team at Total Mortgages today, and our Queenstown mortgage brokers will talk you through the process. We’re always on hand to answer any questions you may have.
Total Mortgages makes it easy to apply for a home loan in Wellington. Book a discovery call with us today, and one of our experienced mortgage brokers in Wellington will guide you through the process.
Working with our Wellington mortgage brokers generally comes at no cost to you, as our advisers are paid by the lenders. We also have tools to help you assess how much your home loan and mortgage will cost.
Being the capital of New Zealand, Wellington’s property market is fierce – and it helps to have an experienced mortgage advisor on your side. Our Wellington mortgage brokers know the area inside out and have years of experience. We also have access to all the best mortgage deals, with an extensive network of lenders in the area. Ask us how we can help you realise your property dreams today.
At Total Mortgages, we’re proud to have received industry awards for our excellent service. Our customer reviews speak for themselves, and we have years of experience in the New Zealand home loan market. Join our happy customers and ask us for an in-depth discovery call today.
Applying for a home loan in Dunedin is easy with Total Mortgages. Get in touch with us today to book a discovery call, and we’ll guide you through the process. Our experienced team of mortgage brokers in Dunedin will be with you every step of the way to answer your questions.
Our mortgage advisors know the Dunedin property market inside out. With years of experience, and an extensive network of lenders, we can put you in touch with all the best mortgage deals. During our initial Discovery Call, we’ll also tailor a customised plan for your property needs. Ask us how today.
When it comes to choosing a mortgage advisor in Dunedin, it’s imperative to consider their track record and experience. At Total Mortgages, we have some of the best mortgage brokers in Dunedin, with years of experience in New Zealand home loans. Contact us today to book your in-depth discovery call.
Enlisting a Dunedin mortgage advisor is more affordable than you think. Our advisers are paid by the lenders, so it generally comes at no cost to you. We also have a collection of handy tools to help you assess how much your home loan and mortgage will cost. For more information, get in touch with us today.
Think of us as your personal mortgage and property finance guides. We act on your behalf to secure the best deal, with access to more lending options and cutting-edge technology to save you time. We’re registered on the Financial Service Providers Register and are advocates for our clients during the home loan process.
A mortgage is a significant sum of money, and getting it right can save you thousands in the long run. Remember, we live and breathe mortgages every day, so we can provide the answers to your burning questions and help you make informed decisions.
This is the best part – working with a mortgage broker generally comes at no cost to you. Our advisers are paid by the lenders, so let us do the hard yards to get you the best mortgage outcome.
Only a small number of our services may include a fee, such as some of our non-bank lending options, but our advice and meetings with you are without charge; you can read more about this in our disclosure statement.
That depends – do you want the hottest rate you can get, plus potential special offers and the best structure to suit your personal situation? Or are you happy to settle for what your current bank can offer? Working with a mortgage adviser also gives you added value, such as feedback on potential properties, strategies to get mortgage-free faster, advice on approaching auctions and more. It seems like a no-brainer to us!
A pre-approval reflects the maximum amount the bank is willing to lend to you. It gives you the confidence to start negotiating and secure that Sales & Purchase Agreement. However, it’s important to remember that a pre-approval is not a ‘done deal,’ and they do lapse after a certain period of time. Once you have an agreement in place, we will then work with you through the complex process of securing your home loan.
We typically find that the banks take between 5-10 working days, with the waiting period starting once we submit your application. Our state-of-the-art software and universal application are accepted by all our lenders, which dramatically speeds up our processing time. Do let us know if your application is urgent, and we’ll do our best to hurry the process along!
We have advanced technology that means you can sort your new mortgage from the comfort of your sofa. Documents are all submitted through our online portal, and we regularly work with clients over the phone or via video calls. It’s easy to book a call through our website and get the ball rolling!
It’s true – while we’re generally paid by the lenders, you’ll need to factor in the other costs involved in buying and selling property. While you might not need to account for all of these, expenses may include:
And for those selling and then buying, you’ll have marketing costs and a real estate agent’s commission (if you choose to engage one).
Simply use our ‘Book a call’ feature – we’re ready to chat with you and will first talk you through our Discovery process, which gives us an indication of your options.
