Course curriculum

  1. 1
    • Welcome To The Sarah Curtis Mortgages First Home Buyers School!

  2. 2
    • Welcome - Let's Get Started!

    • Things You Own

    • Things You Owe

    • Why Is This Important To A Lender?

    • Homework

  3. 3
    • Budgets - Don't panic!

    • What Is A Money Plan?

    • What Do You Include In A Money Plan?

    • Planning For Less Frequent Expenses

    • Emergency Funds & Big Purchases

    • Bank Account Structures

    • Why Is This Important To A Lender?

    • Homework

  4. 4
    • Debt

    • What counts as Debt?

    • Not All Debts Are Treated Equally

    • Credit Checks

    • Why Is This Important To A Lender?

    • Homework

  5. 5
    • Lesson Four - Income

    • What Is Income?

    • So, What Can Be Used?

    • Why Is This Important To A Lender?

    • Homework

  6. 6
    • Deposits

    • What Is A Deposit Vs A Deposit?

    • What Can Be Used Towards Your Home Loan Deposit?

    • Why Is This Important To A Lender?

    • Homework

  7. 7
    • What Would Your First Home Look Like?

    • Wants Vs Needs

    • Will It Be Possible to Buy It?

    • Why Is This Important To A Lender?

    • Homework

  8. 8
    • Build your Home Buying Team

    • Mortgage Advisor

    • Bank or Lender

    • Solicitor or Conveyancer

    • Kainga Ora

    • Real Estate Agent

    • Local Body Council

    • Registered Valuer / Registered Valuation

    • Building Inspection Company / Building Report

    • Homework

  9. 9
    • Bank Calculators

    • Estimating Loan Repayments

    • What Details Will You Need?

    • Why Is This Important To A Lender?

    • Homework

  10. 10
    • What Costs are there?

    • Costs For Professional Services

    • Ongoing Costs Once Property Purchased

    • Homework

  11. 11
    • Structuring Your Home Loan

    • Fixed Loan | Floating Loan | Revolving Credit Loan

    • Reducing Loan | Non-Reducing Loan | Interest Only Loan

    • Loan Terms

    • Repayments

    • Professional Home Loan Advice

    • Homework

  12. 12
    • It's Q&A time!

    • What Are The Different Ways That You Can Purchase A Property?

    • What Is A Sale & Purchase Agreement?

    • What Is A Deposit On A Sale & Purchase Agreement?

    • Who Prepares A Sale & Purchase Agreement?

    • Can You Purchase A Property Privately?

    • What Does Unconditional Mean For Home Loan/Finance?

    • What Does Unconditional Mean On A Sale & Purchase Agreement?

    • Homework

  13. 13
    • Congratulations! You did it!

    • Review Your Net Worth

    • What Are Your Next Steps?

    • What Comes After Our Phone Call?

    • What other things are there to think about?

    • Homework