Smashed Avo to Smashed Goals

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You can save this form and complete it later if needed by completing the information you can now and then scrolling to the bottom and clicking "Save".

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Your Contact Details* This field is required.

Name

Phone

Email

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How much would you like to purchase your first home for?* This field is required.Don't worry if you're not sure, that's why we're here! Let's start with an average house price of about $600,000

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Who will you be purchasing the property with?* This field is required.Refer to the 'Smashed Avo to Smashed Goals' book for all the positives and negatives of buying with different groups.

Buy by Yourself

Buy With a Partner/Husband/Wife

Buy With a Sister or Brother, or Other Family Member

Buy With a Good Friend

Buy With Parents

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Savings* This field is required.How much do you have in Savings?

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KiwiSaver* This field is required.Have you been in KiwiSaver for 3 years or more?

YESNO

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How much do you have in your KiwiSaver?

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First Home Grant* This field is required.Let's check your eligibility - The Kāinga Ora criteria is: • Earn under the income threshold of $95K for an individual, $150K for an individual with 1 or more dependents, or $150K for a couple or joint ownership scenario, regardless of how many dependents you have. • Be a permanent resident of New Zealand with no visa travel conditions, or a New Zealand citizen. • Have contributed to KiwiSaver for at least 3 years. • Have at least 5% deposit in total. • Live in the house you buy for at least 6 months. • Meet the House Price caps for your region. To check the price cap in your area, click here. Do you meet this criteria?

YESNO

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If you meet these conditions, then you could be eligible for the First Home Grant of $3,000 to $5,000! To apply for your First Home Grant, click here for the application form.

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Gifting or Family Loan* This field is required.Have you received any gifting or a loan from family to contribute to your deposit? This can be money from parents, grandparents, inheritance, funds borrowed from family, funds borrowed from family trust etc.

YESNO

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How much have you received in gifting or family loan?

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Your current deposit is:

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Your current deposit as a percent is:

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Congratulations, you've made it!

You now have a 20% deposit for your first home.

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You currently have less than a 20% deposit.

Please refer to the section in the book 'When You Have Less Than a 20% Deposit' for some tips and tricks in this space.

We will guide you through the process to give you the best chance of approval as the bank criteria is more specific here.

This will depend on your situation, which bank you’re currently with, if you meet the criteria for a First Home Loan, KiwiSaver and First Home Grant, and your savings history, income, and credit.

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Main Source of Income - Borrower #1* This field is required.

Wages/Salary

Business

Self Employed

Other

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Current Income - Borrower #1* This field is required.

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Do you currently get paid commission, regular overtime or irregular hours?* This field is required.

Yes

No

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Please provide more information in your own words* This field is required.

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Main Source of Income - Borrower #2* This field is required.

Wages/Salary

Business

Self Employed

Other

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Current Income - Borrower #2* This field is required.

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Do you currently get paid commission, regular overtime or irregular hours?* This field is required.

Yes

No

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Please provide more information in your own words* This field is required.

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Main Source of Income - Borrower #3* This field is required.

Wages/Salary

Business

Self Employed

Other

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Current Income - Borrower #3* This field is required.

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Do you currently get paid commission, regular overtime or irregular hours?* This field is required.

Yes

No

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Please provide more information in your own words* This field is required.

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Do you currently have any Credit Cards, GEM Visa / Q Card / Other Store Card or Hire Purchases?* This field is required.

Yes

No

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Credit Card, GEM Visa / Q Card / Other Store Card or Hire Purchase Details* This field is required.

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Do you currently have any car loans, personal loans or student loans?* This field is required.

Yes

No

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Car / Personal / Student Loan Details* This field is required.

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Do you have any "buy now pay later" outgoings? (Afterpay, Laybuy, Oxipay etc)* This field is required.

Yes

No

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Buy Now Pay Later Details* This field is required.

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Do you have any other liabilities (including fines, IRD debt, Ministry of Justice, etc)* This field is required.

Yes

No

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Other Liabilities (including fines, IRD debt, Ministry of Justice, etc)* This field is required.

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Do any borrowers pay child support?* This field is required.

Yes

No

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Monthly Child Support Costs* This field is required.

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Do any borrowers pay regular childcare or school fees?* This field is required.

Yes

No

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Monthly Childcare or School Fee cost* This field is required.

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Do any borrowers pay regular tithing or donations?* This field is required.

Yes

No

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Monthly tithing and donations* This field is required.

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Any other regular monthly fixed costs?* This field is required.

Yes

No

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Other Costs* This field is required.e.g. health insurance, life insurance, contents insurance

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Do you have a Lawyer or Solicitor?* This field is required.Lawyers are a wonderful bunch. Most of them are great people who are masters of the language of law, and who enjoy deciphering and translating this language for others.

YESNO

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Lawyer or Solicitor Details* This field is required.

Contact Name

Company

Email

Phone

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No stress!

We work on a daily basis with some great Lawyers & Solicitors. We can provide a recommendation for one in your area.

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Do you have a Real Estate Agent?* This field is required.A good agent will know their local market and be able to help negotiate a sale price for you. It’s best to find an agent you trust and get along with well.

YESNO

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Real Estate Agent Details* This field is required.

Contact Name

Company

Email

Phone

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No stress!

We can provide a recommendation for an excellent Real Estate Agent in your area.

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Do you have a Building Inspector?* This field is required.This is the person who will have a look at the property you’re buying and confirm if it’s sound - if the roof is watertight, the cladding is in good condition, the floor and joints are doing what they should do.

YESNO

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Building Inspector Details* This field is required.

Contact Name

Company

Email

Phone

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No stress!

It’s generally not a requirement from a bank to have an official report. However, remember this is your chance to make sure the property is as you expect, so it’s definitely good practice.

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Do you have an Accountant?* This field is required.If you’re self-employed, run your own business, or are involved in a larger business with shareholdings or as a director, your accountant will be an integral part of your team.

YESNO

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Accountant Details* This field is required.

Contact Name

Company

Email

Phone

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No stress!

For many wage and salary earners, producing a statement on income and tax position is relatively simple.

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Do you have a plan for the next 5 years? Provide some detail around your financial goals so we can help you with establishing a plan (don't worry if this is not a complete plan, we can help you work out the details!)* This field is required.e.g. buy a house, renovations, building a home, purchasing an investment property, tying the knot, starting a family, job change, starting up a business, receiving an inheritance.

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Is there a loan structure that you'd like to know more about? Don't worry if you're not sure, that's why we're here!* This field is required.Table Loan, Fixed Interest Rate Loans, Floating Rate (or Variable Rate), Offset Loan, Interest-Only, Revolving Credit

YESNO

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Let us know the loan structure that you'd like to investigate.* This field is required.Table Loan, Fixed Interest Rate Loans, Floating Rate (or Variable Rate), Offset Loan, Interest-Only, Revolving Credit