☐ Have you met all bank or lending requirements noted on your conditional letter of offer for lending?
☐ Has the unconditional letter of offer been sent to your lawyer to confirm finance is available and ready for drawdown when required?
☐ Have you obtained a Registered Valuation if required by the bank?
☐ Do you know how you can pay your deposit and whether your KiwiSaver provider is able to provide you with a pay out for deposit? Keep in mind that you will likely need to pay 10% upon going unconditional
☐ Are you able to rely on a Home Start Grant?
Legal and Professional Requirements
☐ Have you met and confirmed with your lawyer that all is in order?
☐ Have you obtained any property reports required, such as builders report, registered valuation and methamphetamine or other dangerous substances tests, obtained a LIM report and the certificate of title and reviewed these with your lawyer?
☐ Have you queried all additional clauses or points of concern on the sale and purchase agreement?
☐ Have you met with other trusted professionals such as your accountant?
☐ Have your home loan documents been generated and sent to your lawyer?
☐ Have you been quoted for, and confirmed insurance requirements?
☐ Have you understood the title and all the unique features of the property and obtained sufficient documentation with regards to maintenance or work done to repair the house to date?
☐ Has a registered valuation and builders report been issued to you? This may need to be prepared and addressed to you for lending or insurance purposes.
☐ Have you completed the lenders cash contribution form and been told when and where this will be paid?