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craig@craigpopefinancial.co.nz

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Home Buying Process

Our Services

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First Home

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Next Home

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Refinancing

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Investment Property

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Money Planning

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New Build / Construction Loans

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Kiwisaver & Insurance

Craig Pope Financial is a KiwiSaver mortgage company servicing Kapiti Coast & Wellington

We’d love to chat with you to figure out how we can help, so please use the Contact option on this website to book a personalised consultation.

Book a consultation to find out the cost of a professional mortgage broker.
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  1. Mortgage application and initial advice
    We get to know your situation, forms are completed and supporting info provided so we can work on a solution. Estimated borrowing power is discussed. Apply for HomeStart Grant approval if applicable.
  2. Pre-approval
    We collate, analyse then confirm best course of action and work on getting a pre-approved home loan(s), we confirm/tick off any loan conditions. Rates do not get negotiated at this point. Sometimes we may only have an indication of borrowing power and then you need a “live offer” before we can be assessed by a bank due to Reserve Bank LVR restrictions
  3. House hunting
    Once approved, the house hunting begins! Remember we provide free online property reports on houses you are keen on and provide ongoing coaching and mentoring through the buying process.
  4. Place an offer
    Place a conditional offer on a house (via sale and purchase agreement) or in some cases an unconditional offer and we help through this complex process!
  5. Offer accepted
    We get the final sale and purchase ticked off by the banks and we work on any remaining conditions required to get to an unconditional stage.
  6. Confirmation
    Bank confirms finance is unconditional by emailing us. You confirm finance with your lawyer and complete any KiwiSaver/HomeStart withdrawal paperwork with your lawyer. Pay the agent any pre-agreed contract deposit/
    down payment (usually up to 10% but can be less).
  7. Interest rates negotiation
    At this point we start negotiating interest rates and possible cash incentives with the bank and explain to you.
  8. Loan structure
    We then help you with tailoring loan structures, paying it off quickly and signing the initial bank acceptance paperwork and locking in rates.
  9. Loan documents sent to lawyer
    Bank sends loan documents to your lawyer before settlement and the lawyer will get you in to sign and check them. The branch may also be in touch to open any accounts. Send copy of insurance policy with bank noted on the policy to your lawyer. If applicable, fill in KiwiSaver and HomeStart Grant withdrawal forms and provide to your lawyer.
  10. Insurance review (life, income, health etc)
    Have your personal insurance reviewed by our partner insurance adviser.
  11. Remaining deposit funds and pre-settlement inspection
    Before settlement make sure you send any remaining deposit funds to the lawyer to complete the purchase. Remember to do a pre-settlement inspection of the property before settlement.
  12. Settlement
    Settlement day! Usually any cash back incentives will get paid to your account overnight.