Krista Brenssell - Financial Adviser: Mortgages

Pre-approval: less stress, more confidence.

Know where you stand before you start the search.

One application. Two wins: clarity and a chance at cash. 💰

Buying your first home? 🏡

Most first-home buyers focus on saving a deposit… but that’s only part of the picture.

Before you buy, make sure you’ve budgeted for these extra costs too 👇

💰 Upfront costs

▫️ Your deposit (if required)
▫️ Solicitor/conveyancing fees
▫️ LIM report (if you choose to get one)
▫️ Building & Electrical inspections
▫️ Registered valuation (if required)
▫️ Moving costs
▫️ Immediate repairs, maintenance or renovations
▫️ Furniture and appliances

🏠 Ongoing costs

▪️ Mortgage repayments
▪️ Council & Regional rates
▪️ Home insurance
▪️ Contents insurance
▪️ Body corporate fees (if applicable)
▪️ Maintenance and repairs
▪️ Utilities and internet

💡 The good news? Not every buyer needs a 20% deposit, and not every cost applies to every purchase. In most instances cash contributions of up to $5K are available for first time buyers, which will help buffer some costs.

The key is understanding your true budget before you start house hunting.

If you’re not sure what you’ll need to allow for, let’s chat. I’ll help you understand the full picture before you make an offer.

📅 Book a time with me:
https://bookwithmortgageme.as.me/schedule/9d6a3832/?calendarIds=12520001

Borrowing calculators estimate what you could repay. 🧮

A mortgage adviser will assess what you can safely repay! 🙌

The difference is often the test rate—and it’s one of the biggest reasons people are approved for less than they expected. 🤔

Know your numbers before you start house hunting. 🏡

Reach out and let’s have a chat… buying with confidence and knowing where you stand before making an offer is the best way forward. 🔑✅📋

Get pre-approved. Get house-hunting ready. Get a chance to win cash. 💰

Parents: 1. School Holidays: 0. 🎉

Now that the kids are back at school… it’s finally time to tick off that home loan you’ve been putting off. 😉🏡

Let’s tick that one off too! 🙌✔️

✔️

Little snack before watching the rugby tonight!

Thanks Scotts Brewing Co - it was delicious! 🍕🍗🍺🍻

Get pre-approved.

Best case? You’re ready to buy when the right home comes along.
Bonus case? You might win some cash. 💰🏡

A big thank you to the team at Property Brokers Ōamaru for putting together such a fantastic evening last night and creating an opportunity for clients and community members to connect. 👏👏

Amazing honour to get to listen to Sene Naoupu from North Otago Rugby and Pip Cameron from What's For Smoko speak - absolutely amazing women doing incredible things.

Know your numbers. Know your options. Know when to make your move.

Get pre-approved.

And while you’re at it, you could be in to win a cash prize too. 🤔💰

Turning coffee into pre-approvals! 🎉☕️

As always… thanBadger & Mackerelrel for the fuel.⛽️