10 Steps to Buying Your First Home Solo: A Guide for Independent Women
So, you’re ready to tackle the property ladder solo? Let’s go! Here’s the scoop on how you can confidently buy your first home, without waiting for anyone else to make it happen.
1. Know Your Financials
Let’s be real: it all starts with money. Check your savings, debts, and figure out what you can realistically afford. Spoiler alert: you’re probably closer than you think!
2. Set a Clear Budget
#Goals—Knowing how much you can spend makes the process way less stressful. We’ll sort through the fancy jargon, so it’s just facts.
3. Start Building Your Deposit
If your deposit needs a little work, no worries! A solid savings plan or KiwiSaver can make all the difference. Pro tip: The higher the deposit, the better the terms you can get.
4. Check Your Borrowing Power
Wondering how much you can borrow? That’s where I come in. Let’s figure out how the banks view your financials. No need to freak out—yet!
5. Get Pre-Approval
Think of it like this: pre-approval is your golden ticket. It shows you’re serious, gives you a budget, and makes the buying process smoother.
6. Find Your Perfect Space
Whether you want low-maintenance or something with room to grow, knowing what you want in a home is key. You’re the boss—this space is all yours!
7. Surround Yourself with Experts
Not all heroes wear capes; some are mortgage advisers, lawyers, and building inspectors. Having the right team on your side will keep things simple and stress-free.
8. Keep Your Lifestyle Intact
Buying solo doesn’t mean giving up your lifestyle. The goal? Owning a home and enjoying that Bali getaway or brunch with friends.
9. Make the Offer
Once you’ve found “the one,” I’ll help you structure your offer.
10. Celebrate!
You did it! You’re now the proud owner of your first home, and the best part? You did it solo. Trust me, you’ve got this.
Bottom line: Buying your first home solo is empowering, and I’m here to guide you through every step. Ready to take the leap? Let’s chat! x
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