Home Loans

Amazon Finance has its expertise in finding the best home loan that suits your need and financial situation. We are a team of professionals committed to give you an extensive service that takes out the stress in you and leaving you with only excitement of purchasing a home.

Finding a right home loan and going through the application process can be tedious, challenging and confusing.

Proper guidance can make this process a lot easier. And we are here to guide you through the process.

1. Meet our Mortgage Advisor
   

   At first during the meeting, your Amazon Finance Mortgage Advisor will discuss with you and understand your lending requirements and financial status.
   Secondly, you will be briefed about the terms and benefits of different lenders and home loan products.
   Eventually together a best option will be selected based on the serviceability and features.

   Once the right loan is selected, your advisor will begin with the loan application process on behalf of you. Parallelly, depending on the complexity of the loan, you will be advised on timing for the approval. This may take from a few days to a couple of weeks.

2. Loan Application Process
   

   Below are the necessary documents required for the loan application process to begin with. These documents will be submitted to the selected lender.

   • Passport
   • NZ Visa if applicable
   • Last 3 pay slips
   • Last year's tax summary if self employed
   • Last 2 year's tax returns if self employed
   • Last 3 month's savings statement
   • Last 3 month's credit card statements
   • Statements for any personal loans or Hire Purchases
3. Assessment

   The application and the documents submitted to the lender will be assessed during this process. Depending on your requirement, the lender may ask for some more information which will be intimated to you by your advisor.

4. Conditional Approval

   In this stage, your Mortgage Advisor will receive a Conditional Approval also known as Pre-Approval from the lender. This letter outlines some conditions which must be addressed before the lender issues an unconditional approval.

5. Final Approval

   After finalising the loan structure, terms, repayment and interest rates, the lender formally approves your loan and issues a formal Letter of Offer.
   And therefore, you can proceed with settlement of the property.

6. Settlement

   Loan documentation is issued to your conveyancing lawyer, which has to be signed by you. Later, the solicitor communicates with the lender and schedules a settlement date.

   Your first loan repayment will usually be scheduled one month after settlement date.

7. Insurance

   Having your home insured is a wise part of being an owner and we help you covering your insurance. Contact us now!!

8. Moving deserves a Congratulation!!

   Make your new memories in your new home.