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First Home Buyers

Purchasing your first house can be a confusing and time-consuming process.

We have created a detailed guide below to help you successfully obtain a home loan approval for the purchase of your first residence.

Get ready for house searching.

Save a deposit Understanding home buying prices Understand how much you can afford. Understand revenue sources and the loan application process. Read More

Arrange the necessary documentation for the home loan application.

To evaluate your eligibility and determine the amount you can borrow, banks will require the following documents:Proof of deposit. Income verification. Account statements. Identification verification, and the Sale and Purchase Agreement.

Explore Your Perfect Home

Evaluate all elements of your prospective residence.In your quest for the ideal home, it is essential to look beyond just the interior and exterior features of the property. Numerous other factors should be taken into account to ensure a well-informed final decision.

Submit an offer for the house

Having identified your ideal home, it is now the moment to present an offer for the property and finalize the transaction.

Contact Now

Reach out to us to initiate your home loan application.

We will first assess your situation to confirm your eligibility for a home loan. If you wish, we can submit applications to various lenders, providing you with the flexibility to choose the lender that best suits your needs.Additionally, we will tailor your loan structure to enable you to pay it off more quickly than the typical duration offered by most lenders, helping you minimize unnecessary interest expenses, whenever feasible and in line with your financial capacity.

Complete Your Home Loan Process with the Bank

Evaluate all elements of your prospective residence.Having met the requirements set by the bank during the pre-approval stage, which include submitting the sale purchase agreement, valuation report, building inspection report, and a rental appraisal if applicable, you are now ready to proceed with the acquisition of your new property.At this stage, the bank will present you with their loan terms and conditions. This will encompass details such as interest rates, loan duration, estimated repayment amounts, and any financial contributions needed to cover the legal and other expenses you have incurred to date.

Why Choose Us

FIND THE RIGHT DEAL FOR YOU

We’ll compare 20+ banks and lender, No fees* for you, I’m paid by the lender you choose and the power to negotiate discounts

SAVE YOU TIME

We'll compare the market for you, Expert research to find you the right loan and Do all the legwork for your application

KEEP IT SIMPLE

No jargon! ,verything explained simply. I work for you, not the banks or shareholders and Make moving in and out a breeze

HELP YOU GET COVERD

Connect you with home and contents insurance, Life insurance and income protection for unexpected situations.

Have any Question? Ask us anything, we’d love to answer!

Opening Times

  • Available on weekdays, weekends and afterhours

Call for us !

021-02273969

Email Us

Email Us raj@sharpfinance.nz

Review

Clients' Testimonials

In 2020 I was looking at purchasing property and was referred to Sharp Finance Ltd. From our first conversation, Raj was very professional and knowledgeable. Raj was responsive and helped me find the best financial solution to suit my needs. Thank you for your professionalism and financial assistance.

Raymond Miles @ Raymond

I have found Raj at Sharp Finance very understanding with my situation.He got me approved with my bank in no time. He helped me through all the documentation and I did not had to bother about anything.He in fact gone extra mile to help me to understand the house buying process , prioritize my requirements , kind of hand holding me to put first offer to home I liked. His knowledge about banking, finance and real estate is up to scratch. Anyone who dream to get in their own house, call Raj without hesitation, I am sure you would be really happy that you did.

Chandan and Alka @Chandan

Have been with Raj since 2019 and since then he has been there for me and my investment properties. He has always sorted best rates and has gone out of his way doing all necessary documents and deals ,and has recommended him to my families and friends . Thanks Raj & Sharp Finance.

Shiraz and Shaz @sherry

"I had the pleasure of working with Sharp Finance and my mortgage advisor went above and beyond to help me finance my properties and refinance my existing mortgages. From start to finish, the experience was smooth and stress-free, thanks to their expertise and dedication.Not only did the mortgage advisor secure for me a great interest rate, but they also went the extra mile to find the best offer with cash back, which was a fantastic surprise. I was amazed by their knowledge of the market and their ability to negotiate on my behalf.What impressed me the most was their personalized approach to my financial needs. They took the time to understand my situation and goals, and they provided me with tailored advice and solutions that were perfectly suited to my needs.Throughout the process, the mortgage advisor was always available to answer my questions and provide guidance. They were patient, professional, and attentive, making the experience as smooth and stress-free as possible.In short, I cannot recommend this mortgage advisor enough. If you are looking for someone who can help you finance your properties or refinance your mortgages, look no further. They are simply the best."

Sanjay and Usha @Usha

I would like to take a moment and say thanks to Raj Rai - Mortgage Adviser ,Sharp Finance Ltd. Raj has worked hard to get us our first home. He work round the clock for his clients. In short you are the best Raj Rai. Once again Thank you ☺️

Ashwajitsinh Solanki @Ash

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