Yes, once you have found a property you would like to buy, you will need to engage a solicitor or conveyancingprofessional to complete your conveyancing. You’ll be responsible for all your legal costs in purchasing the property. It’s important to get a lawyer or conveyancing professional involved before you make an offer. They’ll be able to make sure you have all the necessary conditions included in your offer and review the important documents to identify any legal issues.
Yes, house insurance will be required on the property. You are required to insure the property for its full replacement value with no exclusions or restrictions. “Simplicity Investment Management Limited” needs to be noted on the policy as an ...
Yes, all first home loans (including refinancing) will require a registered valuation addressed to Simplicity Investment Management Limited. We will arrange the valuation with our approved valuer and you will be responsible for paying them. The cost ...
We require a 20% deposit. In other words, we will lend you up to four times the amount of your deposit (as long as your minimum monthly repayments are not more than 35% of your combined household income after tax). For example, if you have a $200,000 ...
No - selection gives you the opportunity to apply for a home loan. All applications are still subject to Simplicity’s lending criteria, credit checks and legal requirements.
You need to be a Simplicity KiwiSaver member to apply for a first home loan, but the good news is it takes less than two minutes to switch. Whether you're brand new to KiwiSaver or switching from another provider, all you need is your IRD number and ...