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WHERE ARE YOU IN YOUR HOME BUYING JOURNEY?

Click on the stages below to plan your pathway to home ownership.
  • Phase 01 DREAMING
    Select your language: Maori Samoan Tongan English

    DREAMING

    You’re probably keen to buy a home for several reasons. You might be sick of paying someone else’s mortgage, you might want to put down roots so you don’t have to move for a while, or you might be looking for a safe and secure home for yourself or your whānau.

    Whatever your reason for dreaming about buying a new home, here are some tips that will help you get started on your journey.

    The Sorted website is a great resource to get yourself prepared for home ownership. It has information on budgeting, saving, investing and KiwiSaver, among other helpful things.

    The Settled website has plenty of information around buying a home and has a special area dedicated to first home buyers. It’s a great resource when you’re just starting your home buying journey.

    The Real Estate NZ, Trade Me and One Roof websites are good places to start if you’re in the dream phase. You can view properties in the neighbourhoods you would like to live in, and you can also get a good idea of what you can afford.

    Friends and family can also be really helpful sources of information in your home buying journey, particularly in this early stage. Remember though, not everyone is an expert and you can be given incorrect information or be put off buying a home altogether by others. Double check any information provided to you and speak to experts like a mortgage broker, real estate agent or the bank for professional advice.

    E WAWATA ANA

    E hia kē nei ngā take he tōmina pea tōu kia hoko kāinga hoū. Kua kūrakuraku pea koe i te utu i te mōkete a tētahi atu, he kōingo pea ki te rarau kia kore ai e whai take ki te hūnuku mō te wā roa, kei te rapu haere pea i tētahi kāinga haumaru, ita hoki mō koutou ko tō whānau.

    Ahakoa te take mō te wawata ki te hoko kāinga hōu, anei ētahi kupu āwhina mōu i a koe e tīmata ana i tō ara.

    Te Paetukutuku Sorted - He rauemi pai tēnei paetukutuku e whakarite ai i a koe anō kia hoko kāinga. He mōhiohio kei reira e hāngai ana ki te whakamahere pūtea, te penapena, me te haumi atu ki KiwiSaver, me ētahi atu kōrero āwhina.

    Te Paetukutuku Settled - He maha ngā mōhiohio tō te paetukutuku nei e hāngai ana ki te hoko kāinga, ā, kua whai wāhi motuhake mā ērā e hoko ana i tō rātou kāinga tuatahi. He rauemi pai ina tīmata koe i tō ara hoko kāinga.

    He tīmatanga pai ngā paetukutuku a Real Estate NZ, a Trade Me, a OneRoof hoki ina wawata tonu koe. Ka taea te tiro ngā kāinga i ngā takiwā e hia noho ai koe, me te mōhio haere ki ngā momo whare e taea te utu.

    Ngā Hoa Me Te Whānau - He puna mōhiohio āwhina hoki pea ngā hoa me te whānau i tō ara hoko kāinga, ina koa i tēnei wā tīmatanga. Kia maumahara tonu, kāpā ko te katoa he mātanga, ka mutu, ka whiwhi pea koe i ngā mōhiohio hē, me te aha ka pāuhu pea koe i tāu hoko kāinga. Kia āta arotake ngā mōhiohio katoa e hoatu ki a koe, ā, tono tohutohu ngaio i ngā mātanga pēnei i te kaiwhakarite mōkete, te kaihoko kāinga, te pēke rānei.

    MOEMITI

    Atonu e tele ni mafuaaga ua e naunau ai e faatau sou fale. Atonu ua alu uma lou malosi i le totogina o le mokesi a le isi tagata, atonu ua e manao nei e fai loa se mea mautu mo oe ma lou fealua‘i solo, pe atonu foi ua e manao e fai se fale e nonofo mautu ma saogalemu ai oe ma lou aiga.

    Poo le a lava le mafuaaga mo lau moemitiga e fia faatau se fale fou, o nisi nei o vaega e fesoasoani mo oe e fesoasoani mo le amataga o lau malaga.

    Le Upega Tafailagi A Le Sorted - O lenei upega tafailagi o se punā‘oa sili ona lelei e tapenapena ai oe mo lou umiaina o se fale. O loo iai faamatalaga i le auala e fai ai lau paketi, sefe ai tupe, inivesi ma le KiwiSaver, ma le tele o isi faamatalaga aogā.

    Le Upega Tafailagi A Le Settled - E tele faamatalaga o loo iai i le upega tafailagi e faatatau i le faatauina o se fale, ma o loo iai lava se vaega faapitoa ua taula‘i faapitoa atu i tagata e faatau o latou uluai fale. O se punā‘oa sili ona lelei a‘o faato‘ā amata lau faigamalaga mo le faatauina o sou fale.

    Upega Tafailagi A Kamupani Faatau Fale A Le Real Estate - O upega tafailagi a le Real Estate NZ, Trade Me ma le OneRoof, o iinā e lelei e te amata ai pe afai o loo i le vaega o au moemitiga. E mafai ona e matamata ai i fale i vaipanoa o loo e fia nofo ai, ma e mafai foi ona e maua ai se auala lelei i se ituaiga o fale e te gafatia ona faatau.

    Uo Ma Aiga - E aogā tele foi uo ma aiga i lo latou aumaia ia te oe o faamatalaga mo lau faigamalaga i le faatauina o sou fale, aemaise lava i le laasaga tau amatamata lenei. Ae ia manatua, e lē o tagata uma e iai ni tomai faapitoa i lenei mataupu ma e ono sese foi ni faamatalaga e aumaia ia te oe, pe iu ai lava ina lē faatauina sou fale ona o isi tagata. Toe siaki soo se faamatalaga e te maua ma ia e talanoa atu ia i latou ua iai tomai faapitoa i nei mataupu e pei o se tagata e faagaioia sau mokesi ma le faletupe (mortgage broker), se vaega faatau fale, poo le faletupe e aumaia fautuaga faapitoa.

    FAKA‘AMU NOA

    Mahalo pe ‘oku ‘i ai ha ngaahi ‘uhinga ‘oku ke fakakaukau ai ke fakatau hao ‘api fo‘ou. Ngali kuo ke fo‘i he totongi e mokasi ‘a ha taha kehe, pe ko ho‘o faka‘amu ke ma‘u ha feitu‘u ke ui ko ‘api ke ‘oua te ke toe hiki holo, pe ko ho‘o fakasio ha ‘api ‘oku malu mo hao ke ke nofo ai mo ho‘o fānau.

    Ko e hā pe ‘uhinga ‘oku ke fakakaukau fakatau ‘api ai, ‘oku ai e ‘amanaki ‘e tokoni atu e fanga ki‘i fakahinohino ko ení ke ke kamata mei ai.

    Ko E Uepisaiti Sorted - Ko e uepisaiti ma‘u‘anga fakamatala lelei eni ke ne fakataukei‘i koe ‘i ho‘o kamata fakasio ‘api. ‘Oku ‘i ai e ngaahi fakahinohino ki he anga hono patiseti, fakahū pa‘anga mo ‘inivesi ho‘o pa‘anga, pea pehē foki ki he KiwiSaver, mo e ngaahi fakamatala ‘aonga kehe pe.

    Ko E Uepisaiti Settled - ‘Oku lahi e ‘ū fakamatala ‘oku ma‘u he uepisaiti ko ení fekau‘aki mo e fakatau ‘api, pea ‘oku ‘i ai pe konga ‘oku vahe‘i makehe ma‘a kinautolu toki fuofua fakatau ‘api. Ko e ma‘u‘anga fakamatala lelei eni ma‘au ke kamata fakatoka ‘aki ho hala fononga ki he fakatau ‘api.

    Ko E ‘Ū Uepisaiti ‘A E Ngaahi Kautaha Fakatau ‘Api - Ko e ‘ū uepisaiti lelei eni ke ke kamata fakasio ‘api ai, Real Estate NZ, Trade Me mo e OneRoof. Te ke lava pe ‘o mamata‘i e ‘ū fale he ngaahi feitu‘u te ke fie nofo ai, pea mo ma‘u ai ho‘o fakafuofua ki ha ‘api ‘e fe‘unga mo ho ivi fakapa‘anga.

    Fāmili Mo E Maheni - Te ke lava pe ‘o ma‘u fale‘i mei ho fāmili mo e mahení ‘i ho‘o fakasio ‘api, tautefito ki he taimi ‘oku kamata ai hono fakakaukau‘i. Manatu‘i pē ‘oku ‘ikai ke taukei e taha kotoa te ke kumi fale‘i mei ai pea ‘e malava pe ke nau ‘oatu ha ngaahi fakamatala hala ‘o tupunga ai ha‘o holomui ‘o tuku ‘aupito. Toe fakapapau‘i pē ‘a e fakamatala ‘oku nau ‘oatú ‘aki ha‘o talanoa mo ha taha taukei ange hangē ko ha tokotaha ke ne alea‘i ha‘o mokasi (mortgage broker), pe ha fakafofonga tu‘uaki fale pe ko ho‘o ma‘u fale‘i mei pangikeé ‘oku nau taukei ange.

  • Phase 02 INVESTIGATING
    Select your language: Maori Samoan Tongan English

    INVESTIGATING

    You’ve dreamed of buying a home for some time. You’ve thought about it, talked it over with friends and family, and may have received some professional advice about it. Your conclusion is that buying could be possible. Now you’re in investigation mode. You want to know what you can buy, where you can buy it and for what price.

    Here’s some information that will help you in this phase.

    Your Bank or Mortgage Broker – At this stage you’ll need to organise a meeting with your bank to check your savings and your ability to get a mortgage. The bank will let you know what you can afford and what they might be willing to lend you. If you would prefer not to work with your bank, you can use a professional mortgage broker who can negotiate with lenders on your behalf.

    Budgeting and Financial Advisors – If getting mortgage approval is a challenge, it might pay to speak to a budget or financial advisor. The Money Talks website is a great place to start as it gives a list of recommended budgeting service providers in your area.  

    The Real Estate NZ, Trade Me and One Roof websites are great places to investigate properties in the areas you would like to live in. If the bank has given you an idea of what they might be willing to lend you, you’ll be able to start making a list of homes that you might like to view.

    Don’t forget to speak with other people who could be helpful. Your local real estate agent, your bank and/or a mortgage broker can all provide good information at this stage in your journey.

    Did you know that Kāinga Ora - Homes and Communities provides schemes and grants to help you own a home?

    Financial Help - The Kāinga Ora website has a home ownership tool which can help you find out the ways that you could be helped into your first home. It’s a great resource if you’re thinking about buying and it provides information on how the New Zealand Government can support you on your home ownership journey. It’s worth checking out in this phase to see if you might be eligible for help to buy your home. Here’s more information on the loans and grants that you could be eligible for:

    The First Home Grant – This is where first-time home buyers or previous home owners who have been making regular KiwiSaver contributions for at least three years, could be eligible for a First Home Grant of up to $10,000. You apply for the grant directly on the Kāinga Ora website

    The First Home Loan - This is a special loan underwritten by Kāinga Ora which requires just a 5% deposit for a home. Visit the Kāinga Ora website for a list of participating banks and eligibility details.

    The KiwiSaver First Home Withdrawal –  If you’re a KiwiSaver, you may be able to access this government scheme, whereby you can withdraw all of your KiwiSaver savings (except $1,000) to put towards buying your first home.

    KiwiBuild – this a programme that increases the supply of more affordable housing options and gives more New Zealanders the opportunity to buy their own home. If you’re eligible, KiwiBuild offers a great choice of homes that could be ideal for you. You can learn more about how KiwiBuild works, check if you are eligible and view available KiwiBuild homes on the KiwiBuild website.

    TE TIROTIRO

    Kua roa nei koe e wawata ana ki te hoko kāinga hōu. Kua āta whakaaroaro koe, kua kōrero ki ngā hoa me ngā whānau, ā, kua whai kōrero ngaio pea e hāngai ana. Ko tāu e whakatau nei, ka taea e koe tētahi whare te hoko. Ināianei, kei te āhua tirotiro koe. He hiahia tōu kia mōhio ki tāu e taea ai te hoko, ki hea hoko ai, ā, he aha hoki te utu. Anei ētahi mōhiohio ka āwhina i a koe i tēnei wā.

    Tō Pēke, Kaiwhakarite Mōkete Rānei - I tēnei wā, me whakarite hui koe me tō pēke kia tirohia ō penapenatanga, me tō āheinga kia whai mōkete. Ka whakamōhiotia koe e tō whare pūtea tāu e oti ai te hoko, tā rātou hoki e hiahia hoki ai te hoatu taurewa atu ki a koe. Mēnā kāore koe e hiahia ki te mahi me tō pēke, ka taea tētahi kaiwhakarite mōkete ngaio te whakamahi māna e whakariterite ki ngā kaituku pūtea taurewa mōu.

    Te Whakamahere Pūtea Me Ngā Kaitohutohu Pūtea - Ki te uaua te whiwhi whakaaetanga mō tētahi mōkete, me kōrero atu pea ki tētahi kaitohutohu mahere pūtea, pūtea rānei. He wāhi tīmatanga pai te paetukutuku a Money Talks nō tāna whakarato rārangi o ngā kaiwhakarato whakamahere pūtea e tūtohutia ana i tō takiwā.

    Ngā Paetukutuku Kaihoko Whare - He wāhi pai ngā paetukutuku a Real Estate NZ, a Trade Me, a OneRoof hoki e tirohia ngā whare i ngā takiwā e hiahia ai koe ki te noho. Mēnā kua whakamārama te whare pūtea ki a koe i te rahinga e whakaae ana ki te hoatu taurewa ki a koe, ka taea e koe te tīmata ki te tuhi rārangi o ngā whare e nako pea ana ki te tiro.

    Kaua e wareware ki te kōrero ki ētahi atu tāngata mā rātou pea e āwhina. Ka taea e tō kaihoko whare paetata, tō pēke, tētahi kaiwhakarite mōkete hoki/ rānei te whakarato mōhiohio pai i tēnei wāhanga o tō ara.

    I mōhio rānei koe e whakarato ana a Kāinga Ora – Kāinga me ngā Hapori i ngā kaupapa me ngā tuku hei āwhina i a koe ki te whai whare?

    Te Āwhina Ā-Pūtea - He utauta whai kāinga tō te paetukutuku a Kāinga Ora e āwhina i a koe ki te kimi ara hei whakangāwari i te hokonga mai o tō kāinga tuatahi. He rauemi pai ina whakaaro koe ki te hoko mai, ā, e whakarato mōhiohio ana e pā ana ki te pēheatanga o tā te Kāwanatanga o Aotearoa āwhina i a koe i tō ara whai kāinga. He mea whai tikanga te tiro i tēnei i te wā nei kia kitea ai mēnā ka māraurau koe ki te whiwhi āwhina ki te hoko mai i tō kāinga. Toro atu ki kaingaora.govt.nz/firsthome.

    Anei ētahi mōhiohio anō e pā ana ki ngā moni taurewa me ngā tuku e wātea pea ana ki a koe:

    Te Tuku Kāinga Tuatahi - Koinei te āhuatanga ina māraurau pea ngā kaihoko kāinga tuatahi, ngā kaihoko kāinga o mua rānei he rite tonu ā rātou tukunga moni ki KiwiSaver mō ngā tau e toru i te iti rawa, ki te whiwhi i tētahi Tuku Pūtea Kāinga Tuatahi tae noa ki te $10,000 te rahi. Ka tonoa te tuku nei e koe mā Kāinga Ora. Ka taea te whiwhi tika te whakaaetanga-ā-mua (whakaaetanga rānei) i te pae tukutuku Kāinga Ora kaingaora.govt.nz/firsthomegrant.

    Te Pūtea Taurewa Kāinga Tuatahi - He tuku taurewa motuhake tēnei e pūtāhuitia ana e Kāinga Ora e hiahiatia ai anake he moni kuhu 5% mō tētahi kāinga. Toroa te paetukutuku Kāinga Ora ki te whiwhi i tētahi rārangi o ngā pēke e whai wāhi mai ana, me ngā taipitopito māraurau ki kaingaora.govt.nz/firsthomeloan.

    Te Tango Moni Mo Te Kāinga Tuatahi A KiwiSaver - Me he mema KiwiSaver koe, ka taea pea te whiwhi ki te tango moni mō te kāinga tuatahi a KiwiSaver. He haepapa kāwanatanga tēnei e taea ai te unu i te katoa o ō penapena KiwiSaver (hāunga i te $1000) hei āwhina ki te hoko i tōu kāinga tuatahi. Whakapāngia tō kaiwhakarato KiwiSaver kia mōhio ake.

    KiwiBuild - He kaupapa a KiwiBuild e whakanui ake i te ratonga o ngā kāinga he ngāwari ake te utu hoko mai, me te whakaahei i te tokomaha atu o ngāi Aotearoa kia hoko mai i tō rātou ake kāinga. Ina māraurau koe, he nui ngā kōwhiringa kāinga pai e whakaratongia ana e KiwiBuild tērā e pai ki a koe. Ka taea te ako atu anō mō ngā āhua e mahi ai a KiwiBuild, te kite mēnā rānei e māraurau koe, me te tirotiro i ngā kāinga KiwiBuild wātea i tā rātou paetukutuku kiwibuild.govt.nz.

    SUESUEINA

    Ua fai sina umi o e moemiti i le faatauina o se fale. Sa e manatunatu lelei i ai, sa tou talanoa i ai ma au uo ma lou aiga, ma atonu foi ua e maua ni fautuaga faapitoa e faatatau i lenei mataupu. Ua maua lau faaiuga, e mafai ona faatau sou fale. Ua e iai nei i le vaega mo suesuega i le taimi nei. E te fia iloa poo le ā se fale e mafai ona e faatauina, le vaipanoa e mafai ona e faatauina ai se fale, ae pe fia se tau. O nisi nei o faamatalaga e ono fesoasoani ia te oe i le vaega lenei.

    Le Tagata O Le A Galue I Le Va O Oe Ma Le Faletupe Mo Se Mokesi - I lenei vaega, e moomia ona faatulaga se tou feiloaiga ma lau faletupe e siaki pe fia se tupe o iai i lau faaputugatupe ma pe e te gafatia ona fai se mokesi. O le a ta‘u ane e le faletupe ia te oe poo le ā se fale e te ono gafatia ona faatau ae pe fia foi se tupe o le a latou malilie e nonō mai ia te oe. Afai e te lē manao e te fesoota‘i i lau faletupe, e mafai ona e faaaogā se tagata ua tomai faapitoa e mafai ona galue e fai ma ou sui i le faia o feutana‘iga ma kamupani nonōtupe.

    Faufautua I Le Faiga O Paketi Ma Mea Tau Tupe - Afai o loo faafaigata ona talia le faiga o se mokesi, e ono fesoasoani lou talanoa atu i se faufautua mo le faiga o le paketi ma mataupu tau tupe. E manaia foi le amata i le upega tafailagi a le Money Talks auā o loo aumai ai se lisi o auaunaga uma lava ua faamaonia i lou vaipanoa mo fautuaga i le faiga o le paketi.

    Upega Tafailagi A Kamupani Faatau Fale A Le Real Estate - O upega tafailagi a le Real Estate NZ, Trade Me ma le OneRoof, o nofoaga lelei na e te suesueina i ai fale i vaipanoa o loo e manao e te nofo ai. Afai e aumai e le faletupe ia te oe se tulaga o se aofaiga latou te ono nonō atu ia te oe, o le a mafai loa ona amata fai sau lisi o fale e te ono manao e te alu e vaai.

    Aua ne‘i galo lou talanoa atu i isi tagata ē mafai ona fesoasoani mai. O le vaega lenei o lau faigamalaga, ua tatau ai ona mafai e le kamupani faatau fale i lou vaipanoa, o lau faletupe ma/poo se tagata o le a fai ma ou sui e feutagai ma le faletupe mo se mokesi, ona latou aumai ia te oe ni faamatalaga lelei.

    Pe na e silafia, ua saunia e le Kānga Ora - Homes and Communities ni polokalame ma tupe faameaalofa e fesoasoani ia te oe ina ia e umia se fale?

    Fesoasoani Tau Tupe - O loo iai i le upega tafailagi a le Kāinga Ora se vaega mo i latou ua umia fale, e mafai ona fesoasoani ia te oe ia e silafia auala e faafaigofie ai ona maua sou uluai fale. O se punā‘oa lelei tele pe a e mafaufau e fia faatau sou fale, ma o loo iai faamatalaga i le auala e mafai ona lagolago atu ai le Malo o Niu Sila ia te oe i lau faigamalaga mo le umiaina o sou lava fale. E aogā le siaki o lenei vaega e vaai pe e te ono agavaa mo le mauaina o se fesoasoani e faatau ai lou fale. Tagai i le: kaingaora.govt.nz/firsthome.

    O nisi nei faamatalaga atili i nonōgatupe ma tupe faameaalofa e mafai ona e agavaa i ai mo:

    Le Tupe Faameaalofa Mo Le Uluai Fale - O iinei e ono mafai ai e i latou faatoa faatau ni fale poo i latou foi sa faatau muamua o latou fale, ae pe tusa ma le tolu tausaga talu ona fai e lē aunoa a latou saofaiga mo le KiwiSaver, e ono agavaa mo se Tupe Faameaalofa mo le Uluai Fale (First Home Grant) e oo atu i le $10,000. E te talosagaina lena tupe faameaalofa e auala atu i le Kāinga Ora. E mafai lava ona muai talia (pe talia) sa‘o lava lau talosaga pe a fai i luga o le upega tafailagi a le Kāinga Ora, le kaingaora.govt.nz/firsthomegrant.

    Le Nonōgatupe Mo Le Uluai Fale - O se nonōgatupe faapitoa lenei e faamaonia e le Kāinga Ora lea e moomia ai na o le 5% e fai ai le tiposi mo se fale. Tagai i le upega tafailagi a le Kāinga Ora mo se lisi o faletupe uma o loo auai i lenei polokalame faapea ma faamatalaga i le auala e agavaa ai, kaingaora.govt.nz/firsthomeloan.

    Tupe Tala Mai Le KiwiSaver Mo Se Uluai Fale - Afai o iai sau KiwiSaver, e ono mafai la ona e tala mai i tua lau KiwiSaver mo le faatauina o lou uluai fale. O se polokalame lenei a le malo e mafai ona e tala ese mai ai i tua lau tupe uma na sefe i lau KiwiSaver (se‘i vaganā le $1,000) e tuu i le faatauina o lou uluai fale. Faafesootai le kamupani o loo fai ai lau KiwiSaver mo nisi faamatalaga.

    KiwiBuild - O le KiwiBuild o se polokalame o loo fesoasoani i le faateleina o nisi fale e gafatia le tau ma fai i ai le filifiliga, ma tele ai avanoa mo tagata Niu Sila e faatau ai ni o latou lava fale. Afai e te agavaa, o loo ofoina mai e le KiwiBuild se filifiliga tele o fale e ono fetuai ma oe. E mafai ona e silafia atili le auaunaga a le KiwiBuild, siaki pe e te agavaa ma matamata ai foi i ni fale a le KiwiBuild o loo avanoa, pe a e tagai i le latou upega tafailagi kiwibuild.govt.nz.

    FEKUMI

    Ne fuoloa pe ho‘o nofo mo faka‘amu ke fakatau hao ‘api. Na‘a ke fakakaukau mo talanoa ki ai mo ho mahení mo e fāmilí pea na‘a ke ‘osi ma‘u fale‘i lelei ki ai. Pea ko e anga ho‘o vakaí ‘e malava ‘a e fakatau ‘api. Ko e kamata eni ho‘o fekumi ki ai. Ko ho fiema‘ú ke ‘ilo ‘a e fale ‘e lava ke ke fakatau, feitu‘u ke fakatau ai pea mo hono mahu‘inga. Ko e ngaahi fakahinohino eni ‘e ala tokoni atu kia koe ‘i he tu‘unga fekumi ‘oku ke ‘i ai he taimi ni.

    Ko Ho‘o Pangikeé Pe Ma‘u‘anga Nō Fakatau‘api - ‘I he tu‘unga fekumi ‘oku ke ‘i ai he taimi ní ‘e fiema‘u ke ke alea‘i ha fakataha mo ho‘o pangikeé ke vakai‘i ho‘o pa‘anga kuo ke ‘osi tānaki/fakahū pe ‘oku fe‘unga ke nau fakakaukau‘i ‘aki ha‘o mokasi. ‘E fakahā atu pe ‘e he pangikeé ‘a ho‘o fe‘unga pea mo e lahi e pa‘anga tenau faka‘atā ke ke nō mei ai. Kapau ‘e ‘ikai ke ke fie alea koe mo ho‘o pangikeé, te ke lava pe ‘o ngāue‘aki ha kautaha kumi pa‘anga nō (mortgage broker) taukei ke ne fai ‘e ia e aleá ma‘au.

    Kau Fale‘i Fakapa‘anga Mo E Patiseti - Kapau ‘oku faingata‘a ke tali ha‘o kole mokasi ‘e malava pe ke ke kumi tokoni ki ha tokotaha fale‘i fakapa‘anga mo patiseti. Ko e uepisaiti Money Talks ko e feitu‘u lelei ia ke kamata ai ha kumi ha ni‘ihi fale‘i patiseti ‘i he feitu‘u ‘oku ke nofo ai.

    Ko E ‘Ū Uepisaiti ‘A E Ngaahi Kautaha Fakatau ‘Api - Ko e Real Eastate NZ, Trade Me mo e OneRoof ko e ‘ū uepisaiti lelei ia te ke lava ‘o fakasiosio fale ai ‘i he ngaahi feitu‘u te ke fie hiki ‘o nofo ai. Kapau ne ‘osi ‘oatu ‘e he pangikeé ha fakafuofua ki he mahu‘inga te nau lava ‘o ‘oatu ke ke nō mei ai, pea ke kamata hikihiki hifo leva ‘a e ‘ū fale te ke fie a‘utonu ‘o sio ai.

    ‘Oua na‘a ngalo ke ke talanoa pe mo ha kakai kehe na‘a lava ke ma‘u ha toe tokoni meia nautolu. Ko e fakafofonga tu‘uaki fale ho feitu‘u, ko ho‘o pangikeé pea mo e tokotaha te ne alea‘i ‘a ho‘o noó (mortgage broker) te nau lava ‘o ‘oatu ha ngaahi fakamatala lelei ma‘au ‘i he tu‘unga ‘oku ‘i ai ho‘o kumi ‘apí he taimi ni.

    ‘Oku ke ‘ilo ko e Kāinga Ora - Homes and Communities ‘oku ‘i ai ‘enau ‘ū polokalama mo e pa‘anga ke tokonia ‘aki koe ke ma‘u hao ‘api?

    Tokoni Fakapa‘anga - ‘I he uiepisaiti ‘a e Kāinga Ora ‘oku ‘i ai ha me‘angāue ke ne tokonia koe ke ke ‘ilo ai e ‘ū vaa‘i hala te ke fou ai ki ho‘o ‘uluaki ‘api. Ko e me‘angāue lelei eni ‘okapau te ke fakakaukau fakatau ‘api he ‘oku ma‘u atu ai e ngaahi fakamatala ki he tokoni ‘oku ala lava ‘e he Pule‘anga Nu‘usila ‘o fai ma‘au ke fakaa‘u ‘aki ho‘o faka‘amu fakatau ‘api. ‘Ahi‘ahi vakai‘i pe na‘a ‘aonga ‘a e me‘angāue ni lolotonga e tu‘unga ‘oku ke ‘i ai he taimi ni na ‘oku ke ‘ataa ki ha tokoni ke fakatau ai leva hao ‘api. Hū ki he kaingaora.govt.nz/firsthome.

    Ko e ngaahi fakamatala eni ki he nō mo e pa‘anga tokoni te ke ngali ‘atā ki ai:

    Ko E First Home Grant - ‘Oku malava ke ‘atā e pa‘anga ko ení ki a kinautolu fuofua fakatau ‘api, pe ko kinautolu ne nau ‘osi fakatau ‘api kimu‘a ka ‘oku nau tauhi ma‘u pe hono totongi ‘enau ‘inasi KiwiSaver ‘o ‘osi ha ta‘u ‘e 3, ‘a ia ko e First Home Grant a‘u ki he $10,000. Te ke tohi kole ki he pa‘anga ko eni ‘i he Kāinga Ora. ‘Oku malava foki ke ma‘u atu pe talí ia (pre-approval pe approval) ‘i he uepisaiti ‘a e Kainga Ora he kaingaora.govt.nz/firsthomegrant.

    Ko E First Home Loan - Ko e nō makehe eni ‘oku malu‘i ‘e he Kāinga Ora kae fiema‘u pe tipositi 5% ki ho no fakatau ha ‘api. Hū ki he uepisaiti ‘a e Kāinga Ora ‘o ma‘u ai e lisi ‘o e ‘ū pangikē ‘oku nau kau ki he ngāue ni mo e ngaahi tu‘utu‘uni kia kinautolu ‘e ‘atā ki he faingamālie ko eni ‘i he kaingaora.govt.nz/firsthomeloan.

    Ko E KiwiSaver First Home Withdrawal - Kapau ‘oku ‘i ai ha‘o KiwiSaver, ‘e malava pe ke ke kau mai ki he KiwiSaver First Home Withdrawal Ko e polokalama eni ‘a e pule‘angá ‘a ia te ke lava ‘o toho kotoa ho‘o pa‘anga na‘e fakahū KiwiSaver (tukukehe ha $1,000) ke tānaki ki hono fakatau ‘aki ho‘o ‘uluaki ‘api. Fetu‘utaki ki he kautaha ‘oku fakahū ai ‘a ho‘o KiwiSaver (provider) ‘o ma‘u mei ai e fakaikiiki.

    Ko E KiwiBuild - Ko e KiwiBuild ko ha polokalama langa fale ke fakalahi ‘aki e ‘ū ‘api ‘oku fe‘unga mo e ivi fakapa‘anga ‘a e kakai ‘o Nu‘usila ni, pea ma‘u ai foki ha faingamālie ha kakaí te nau fie fakatau ‘api mei ai. Kapau ‘oku ‘atā ke ke kau ki ai, ‘oku ‘oatu ‘e he KiwiBuild ha ngaahi faingamālie ke ke fili mei he ‘enau ‘ū fale ‘e ngali fe‘unga mo ho‘o fiema‘u. Te ke toe ‘ilo lahi ange ki he pololamanga langa fale KiwiBuild ‘i ha‘o hū ki he ‘enau uepisaití ‘o sio he ‘enau ‘ū falé ‘i he kiwibuild.govt.nz.

  • Phase 03 PREPARING
    Select your language: Maori Samoan Tongan English

    PREPARING

    You’re getting closer to knowing where you want to live and what type of property you can buy. You may have even spoken to a real estate agent and attended some open homes, and you have an idea of how much the bank is willing to lend you. You can now get fully prepared to buy.

    Here is some information on what you can do to make things easier in this phase.

    This phase mostly includes making pre-applications and applications for loans and for government grants and schemes that may be available to you.

    If you’re unsure of how or if the government can help you to buy a home, please check the Investigating phase above to find out more.

    Prepare your Documents - It’s time to start preparing documents for your bank or mortgage broker. You can do this by working closely with the representatives of these companies. Get all of the required information together before you apply to avoid delays later. You’ll need things such as proof of residency, wage slips, bank statements and application forms.

    KiwiBuild - If you’re interested in buying a KiwiBuild home, you’ll first need to check your eligibility and submit an application on the KiwiBuild website to get pre-approved as an eligible buyer. You’ll need your eligibility confirmed in order to a complete a purchase for a KiwiBuild home or enter a KiwiBuild ballot. You can view all currently available KiwiBuild homes on their website.

    Remember, you will need to have received confirmation of your KiwiBuild eligibility before you can complete the purchase on a KiwiBuild home.

    KiwiSaver First Home Withdrawal - If you’re preparing to buy, you will need to start the application process for the KiwiSaver first home withdrawal. This will enable you to access your KiwiSaver funds to help with your home deposit (you must leave $1000 in your KiwiSaver though and there are eligibility criteria that apply). Contact your KiwiSaver provider to find out more.

    First Home Loan - If you’re interested in the First Home Loan (where you only need to provide a 5% deposit to purchase your home) you’ll need to start the application process. Not all banks offer this loan, so visit the Kāinga Ora website for a list of participating banks and eligibility details .

    First Home Grant - This is the right time to apply for your First Home Grant or to seek pre-approval for this grant. By starting this process now, you’ll find out whether you’re eligible or not.

    Legal Advice - You may also want to start thinking about your legal representative at this time – particularly if you are applying for a grant and for the KiwiSaver first home withdrawal as these funds will need to be directed to your lawyer’s Trust account. A good place to look for a lawyer is the Law Society website which provides a list of recommended lawyers in your area.

    TE WHAKARITE

    Kei te tata haere tō mōhio ki te wāhi e hiahia ana koe ki te noho, me te momo whare ka taea e koe te hoko. Kua kōrero pea koe ki tētahi kaihoko whare, me te toro ki ētahi kāinga tuwhera, ā, kua mōhio kē koe ki te rahi o te pūtea e whakaae ana te pēke ki te hoatu taurewa ki a koe. Ka taea te takatū mārika ki te hoko mai. Anei ētahi mōhiohio e pā ana ki tāu e taea ai te mahi e ngāwari ai te haere i tēnei wā.

    Ko ngā kiko o te wāhanga nei ko te whakakī i ngā tono-ā-mua me ngā tono mō ngā hoatu taurewa, ko te mōhio hoki ki ngā tuku me ngā kaupapa e wātea ana pea ki a koe.

    Whakaritea Ō Puka - Kua tae te wā mō te whakarite i ō puka mā tō pēke, kaiwhakarite mōkete rānei. Ka taea tēnei mā te mahi tahi me ngā kanohi o ēnei umanga. Whakahiatohia ngā mōhiohio katoa ka whakaritea ā mua i tō tono hei ārai i ngā takaware ā muri atu. Me whai mea koe pēnei i te tautuhiniga nohonga, ngā pepa utunga ā-haora, ngā tauākī whare pūtea, me ngā puka tono.

    KiwiBuild - Ina aro koe ki te hoko mai i tētahi kāinga KiwiBuild, me mātua tiro tō māraurau, me te tuku i tētahi tono ki te paetukutuku KiwiBuild kia whiwhi whakaaetanga-ā-mua hei kaihoko māraurau. Me whakamana tō māraurau hei whakaoti i tētahi hokonga kāinga KiwiBuild, me whai wāhi rānei ki tētahi māpere KiwiBuild Ka kitea ngā kāinga KiwiBuild katoa e wātea ana ināianei ki tā rātou paetukutuku ki kiwibuild.govt.nz.

    Kia maumahara, me whiwhi whakamanatanga koe o tō māraurau Kiwibuild ā mua i tō whakaoti i te hokonga mai o tētahi kāinga KiwiBuild.

    Te Tango Moni Kāinga Tuatahi A KiwiSaver - Mēnā kei te whakarite koe ki te hoko mai, me tīmata i te hātepe tono mō te tango moni kāinga tuatahi a KiwiSaver. Mā tēnei e taea te whai wāhi ki ō tahua KiwiSaver hei āwhina mō tō moni kuhu hoko kāinga mai (heoti me waiho kia $1000 ki tō KiwiSaver, ā, arā ngā paearu āheinga ka hāngai pea). Whakapāngia tō kaiwhakarato KiwiSaver kia mōhio ake.

    Hoatu Pūtea Kāinga TuatahiMēnā e aro ana koe ki te Pūtea Taurewa Kāinga Tuatahi (e hiahia noa iho ai koe i te moni kuhu 5% ki te hoko i tō kāinga), me tīmata koe i te hātepe tono. Kāore ngā pēke katoa e whakarato i tēnei momo pūtea taurewa, nā reira toroa te paetukutuku a Kāinga Ora e kitea ai tētahi rārangi o ngā pēke whai wāhi mai, me ngā taipitopito māraurau i 
    kaingaora.govt.nz/firsthomeloan.

    Tuku Pūtea Kāinga Tuatahi - Koinei te wā tika kia tonoa tō Tuku Pūtea Kāinga Tuatahi, kia whai rānei i te whakaaetanga-ā-mua mō te tuku nei. Mā te tīmata i tēnei hātepe ināianei, e mōhio ai koe mēnā rānei e āhei. Toroa a kaingaora.govt.nz/firsthomegrant kia mōhio ake.

    Tohutohu Ā-Ture - Me tīmata pea koe ki te whai whakaaro ki tō māngai ā-ture i tēnei wā – ina koa mēnā e tonoa ana tētahi tuku, me te unu moni kāinga tuatahi a KiwiSaver, nō te hiahia kia tukua ēnei pūtea ki te pūkete Tarahiti a tō rōia. He tīmatanga pai te paetukutuku a Te Kāhui Ture o Aotearoa tērā e whakarato ana i tētahi rārangi o ngā rōia e tūtohutia ana i tō takiwā. Toroa a lawsociety.org.nz.

    TAPENAPENA

    Ua e latalata lava ina iloa poo fea e te fia nofo ai, ae o le ā foi le ituaiga o fale e mafai ona e faatauina. Atonu foi ua uma ona e talanoa atu i se vaega faatau fale ma auai atu i nisi o taimi e tatala ai fale mo maimoaga, ma ua iai foi sina ou silafia i le tele o se tupe o le a malie le faletupe e nonō mai ia te oe. Ua matuā atoatoa nei au tapenapenaga e faatau sou fale. O nisi nei o faamatalaga i mea e mafai ona e faia ina ia faafaigofie ai le faatinoga o le vaega lenei.

    O le vaega lenei e tele lava ina aofia ai le muai faiga o talosaga ma talosaga mo nonōgatupe ma tupe ia e faameaalofa mai e le malo ma isi polokalame na, atonu o loo avanoa mo oe. 

    Tapenapena Au Pepa Tāua - O le taimi lenei ua tatau ona amata tapenapena au pepa tāua mo le faletupe poo se tasi e galue i le va o oe ma le faletupe mo le faiga o lau mokesi (mortgage broker). E tatau ona tou galulue faatasi ma sui o nei kamupani mo lenei fuafuaga. A‘o lei faia le talosaga, e lelei pe a sauniuni faatasi uma faamatalaga manaomia ina ia alofia ai foi le toe tolopō mulimuli ane. E te moomia pepa e pei o se faamaoniga o le nofoaga o loo e nofo ai (proof of residency), pepa faailoa ou totogi (wage slips), faamaumauga o lau tusitupe (bank statements) ma pepa e faatumu ai le talosaga.

    KiwiBuild - Afai e te manao e faatau mai se fale a le KiwiBuild, e tatau ona e siaki muamua pe e te agavaa mo le latou polokalame ma faaoo atu sau talosaga i le upega tafailagi a le KiwiBuild e aumai ai se tali pe muai taliaina oe ma agavaa e te faatau mai o latou fale. E moomia ona faamautinoa lou agavaa ina ia faamae‘a ai le faatauina o se fale a le KiwiBuild pe tuu ai foi lou suafa i se palota a le KiwiBuild. E mafai ona e silasila i fale uma lava a le KiwiBuild o loo avanoa i le taimi nei i luga o le latou upega tafailagi i le kiwibuild.govt.nz.

    Manatua, e moomia ona maua se faamaoniga e te agavaa mo fale a le KiwiBuild a‘o le`i faamae‘a lou faatauina o se fale a le KiwiBuild.

    Tupe Tala Mai Le KiwiSaver mo Se Uluai Fale - Afai o loo e fuafua e faatau sou fale, o le a moomia ona e talosaga mo le tupe lea e tala mai lau KiwiSaver mo lou uluai fale. O le a mafai ai ona e faaaogā le tupe o lau KiwiSaver e fesoasoani i le tiposi o sou fale (e tatau ona faatotoe ai le $1000 i lau KiwiSaver e ui e iai aiaiga o agavaa e tatau ona ausia). Faafesootai le kamupani o loo fai ai lau KiwiSaver mo nisi faamatalaga.

    Nonōgatupe Mo Le Uluai FaleAfai e te fia faaaogāina le Nonōgatupe mo le Uluai Fale (First Home Loan) (lea e na‘o le 5% e moomia ona e maua e tiposi ai le faatauina o sou fale) ua tatau loa la ona amata faagasolo le talosaga. E lē o faletupe uma latou te ofoina mai lenei nonōgatupe, e lelei la lou tagai i le upega tafailagi a le Kāinga Ora mo se lisi o faletupe uma o loo faaaogāina lenei auaunaga, ma faamatalaga i le kaingaora.govt.nz/firsthomeloan.

    Tupe Faameaalofa Mo Le Uluai Fale - O le taimi tonu lenei e te talosaga ai mo se Tupe Faameaalofa mo le Fale Fou (First Home Grant) pe saili se muai taliaina mo lenei tupe faameaalofa. O le amataina i lenei taimi o lenei faagasologa, o le a e iloa ai pe e te agavaa pe leai. Tagai i le kaingaora.govt.nz/firsthomegrant e maua ai isi faamatalaga.

    Fautuaga Mai Se Loia - O le taimi lenei e te ono manao ai foi e amata ona mafaufau i se loia e fai ma ou sui i mataupu e aafia ai le tulafono – aemaise pe afai o loo e talosaga mo se tupe faameaalofa ma talosaga e tala mai i tua lau KiwiSaver mo lou uluai fale, ona o tupe nei o le a tatau ona faaalu sa‘o i le teugatupe faa-Tausi Mavaega a lau loia. O le mea lelei lava e saili i ai se loia o le upega tafailagi a le Sosaiete o Loia, lena o loo iai se lisi o loia uma i lou vaipanoa ua faamaonia mo nei mataupu. Tagai i le lawsociety.org.nz.

     

    MATEUTEU

    ‘Oku ke fakaofi atu eni ke ke fakapapau‘i ‘a e feitu‘u te ke fienofo aí pea mo e kalasi fale te ke fie fakatau. Mahalo pe kuo ke ‘osi talanoa ki ha fakafofonga tu‘uaki fale pea ke a‘utonu ‘o sio ha ngaahi fale ne tu‘uaki fakatau ‘o ma‘u mei ai ho‘o fakafuofuá ki he lahi e pa‘anga ‘e tali ‘e he pangikeé ke nō mei ai. Taimi ni leva kuo ke mateuteu ki he fakatau. Ko e ‘ū fakamatala eni ‘e tokoni atu he tu‘unga ‘oku ke ‘i ai he taimi ní ke faingofua ange ho‘o teuteu fakatau ‘api.

    ‘I he tu‘unga ko ení ‘oku kau ai ‘a e fuofua fakahū kole nō (pre-application) pea mo e kole nō, kole ki he tokoni fakapa‘anga ‘a e pule‘anga mo e ngaahi polokalama tokoni fakapa‘anga kehe ‘oku ‘atā ke ke kole mei ai.

    Teuteu Ho‘o ‘Ū Me‘a Fakapepa - Kuo taimi ke kamata teuteu leva ho‘o ‘ū me‘a fakapepá ki he pangikeé pe ko e kautaha te nau alea‘i ha nō ma‘au (mortgage broker). Fakahoko eni ‘aki ha‘o ngāue vāofi mo e kau fakafofonga ‘o e ‘ū kautaha ko eni. Tānaki ke maau e ‘ū fakamatala ‘e fiema‘ú kimu‘a pea fakahū ho‘o tohi kole ke ‘oua na‘a hoko ha taautoloi ‘a mui. ‘E kau he ngaahi me‘a te ke fiema‘ú ‘a e tatau ho‘o pepa nofo fonua, la‘i vahe, siteitimeni pangikē mo e ngaahi foomu ke fakahū‘aki ho‘o kole nō.

    Ko E KwiBuild - Kapau ko ho‘o manakó ia ke ke fakatau ha fale KiwiBuild, ‘uluaki vakai‘i pe ‘oku ngofua ke ke kau ki ai, pea fakahū ho‘o tohi kole ‘i he uepisaiti KiwiBulid ke fuofua fakangofua koe ke ke hoko ko ha tokotaha fakatau ‘api. ‘E fiema‘u ke ke fakapapau‘i ‘oku ngofua ke ke fakatau ‘api pehē ni, ka ke lava ‘o fakatau pe kau ki he pāloti fakatau fale KiwiBuild. ‘Oku lava ke ke sio he ‘ū fale ‘a e KiwiBuild he ‘enau uepisaití ‘i he kiwibuild.govt.nz.

    Manatu‘i ‘e fiema‘u ke ‘uluaki ma‘u ha tali mei he KiwiBuild kuo ke ma‘u ha ngofua ke ke fakatau fale meia nautolu kimu‘a pea ke fakakakato ‘a ho‘o fakatau ‘api.

    Ko E KiwiSaver First Home Withdrawal - Kapau ‘oku ke mateuteu ke fakahoko e fakatau, ‘e fiema‘u ke kamata leva ho‘o tohi kole ki he KiwiSaver First Home Withdrawal. Ko hono faka‘atā eni koe ke ke ala ki ho‘o KiwiSaver ke fakalava‘aki ho‘o tipōsiti fakatau ‘api (ka kuopau ke tuku pe $1,000 ‘i ho‘o KiwiSaver pea ‘oku ‘i ai e ngaahi tu‘utu‘uni pau ki ai) Fetu‘utaki ki he kautaha ‘oku fakahū ai ‘a ho‘o KiwiSaver (provider) ‘o ma‘u mei ai e fakaikiiki.

    Ko E First Home Loan - Kapau te ke fie ngāue‘aki e nō First Home Loan (ko e founga eni ‘oku fiema‘u pe tipositi 5% ke fakatau ‘aki hao ‘api) ‘e fiema‘u ke ke ngāue leva ki hono kamata‘i e tohi kole. Ko e ngaahi pangikē pe ‘e ni‘ihi ‘oku lava ke nau ‘oatu ‘a e nō koeni, ko ia ai vakai ki he uepisaiti ‘a e Kāinga Ora ki he lisi ‘o e ‘ū pangikē ‘oku nau kau ki he fai ‘o e ngāue ni pea pea mo e fakaikiiki ‘o e tu‘utu‘uni ki ai ‘i he kaingaora.govt.nz/firsthomeloan.

    Ko E First Home Grant - Ko e taimi totonu eni ke ke tohi kole ai ki he pa‘anga First Home Grant pe ko ho‘o vakai‘i pe ‘oku lava ke ke kau ki he tokoni fakapa‘anga ko eni. Te ke ‘ilo pe mei ho‘o kamata ke fai ho‘o tohi kolé pe ‘oku ke lava ‘o nō mei he pa‘anga ko eni pe ‘ikai. Hū ki he kaingaora.govt.nz/firsthomegrant ‘o ma‘u mei ai e fakaikiiki.

    Ko E Fale'i Fakalao - ‘E fiema‘u foki ke ke kamata fakakaukau ai pe he taimi ni ke kumi ha‘o fakafofonga lao - tautefito kapau ‘oku ke kole ki ha tokoni fakapa‘anga pe ko e toho pa‘anga mei ho‘o KiwisSaver, he ko e pa‘angá ‘e fakahū hangatonu pe ia ki he ‘akauni talasiti ‘a ho‘o loea. Ko e feitu‘u lelei ke kumi ki ai ha‘o loea ko e uepisaiti ‘a e Law Society ‘oku ma‘u ai e hingoa ‘o e kau loea ‘i ho feitu‘u. Hū ki he lawsociety.org.nz.

  • Phase 04 SEARCHING
    Select your language: Maori Samoan Tongan English

    SEARCHING

    You have your finances, grants and schemes organised and pre-approved or you may even be fully approved. You know how much you can spend, what type of deposit you have and what type of home you can afford. You may have secured a First Home Loan and a First Home Grant and you may be using your KiwiSaver funds as part of the deposit to buy your home. This is the phase where your journey starts to get exciting.

    Here are some helpful places to go for more information during your home search phase.

    Mangere website and Information Centre – Our website is a great place for further information on what’s happening within the Mangere Development, or you can drop in and see us at the Mangere Information Centre too. We have all the information you’ll need to search for a home that suits you in the Mangere Development. We also have information on the different homes available to purchase, including maps and plans and further information on the development as a whole. Our address is: 12 Waddon Place, Mangere.

    KiwiBuild Website  This is where you can view all currently available KiwiBuild homes and subscribe to the KiwiBuild newsletter for updates as new homes are announced. When you’ve found a home you’re interested in, the next step is to get in contact with the developer or real estate agent, and attend an open home. They’ll provide you with more information about the home and guide you through the start of the purchase process. Remember you will need to have confirmed your KiwiBuild eligibility and arranged financial pre-approval for a mortgage from a bank or other lender in order to complete your purchase of a KiwiBuild home. Go to the KiwiBuild website for more information and to confirm your eligibility.

    If you’re looking at KiwiBuild, it’s a good idea to go to some open homes and speak to the builder or developer responsible for building them.

    The Real Estate NZ, Trade Me and One Roof  websites are also an easy way to search for properties. You can get a good idea of what you can and cannot afford and the types of homes you would like to live in.

    TE RAPU

    Kua whakaritea, kua whakaaetia-ā-mua hoki āu pūtea, āu tuku, āu kaupapa hoki, kua whakaaetia katoatia kē pea. E mōhio ana koe ki te rahi ka taea te whakapau, he aha hoki tōu momo moni kuhu, me te momo kāinga ka taea te hoko. Kua whakaritea pea e koe tētahi Pūtea Taurewa Kāinga Tuatahi, tētahi Tuku Pūtea Kāinga Tuatahi hoki, ā, e whakamahia ana hoki pea ō penapena KiwiSaver hei wāhi moni kuhu kia hokona tōu kāinga. Koinei te wā e hiamo haere ana tō ara. Anei ētahi wāhi whai āwhina me toro kia whai mōhiohio hei tō wā rapu kāinga.

    Paetukutuku Mangere Me Te Pokapū Mōhiohio
    12 Waddon Place, Mangere

    He wāhi pai tā mātou paetuktuku e kimi ai i ngā mōhiohio atu mō ngā whakaritenga e haere ake nei i te Whakawhanaketanga ki Māngere, e peka mai ai koe rānei kia kite i a mātou i te Pokapū Mōhiohio ki Māngere hoki. Kei a mātou ngā mōhiohio katoa e hiahia ana koe ki te rapu i tētahi kāinga e pai ana ki a koe i te Whakawhanaketanga Māngere. He mōhiohio hoki ā mātou mō ngā kāinga rerekē ka taea te hoko, tae rā anō ki ngā mahere me ngā mōhiohio anō e pā ana ki te whakawhanaketanga katoa nei. 

    Te Paetukutuku KiwiBuild - Koinei te wāhi e tirohia ai ngā kāinga KiwiBuild e wātea ana i nāia tonu nei, me te ohauru ki te pānui KiwiBuild kia whai kōrero hōu hei te whakapuakitanga a ngā kāinga hōu.

    Ina kitea he kāinga e aro aki koe, ko te hipanga whai ake ko te whakapā ki te kaiwhakawhanake, te kaihoko whare rānei, me te toro i tētahi kāinga tuwhera. Ka whakarato mōhiohio rātou ki a koe mō te kāinga, me te ārahi i a koe rā roto i te tīmatanga o te hātepe hoko.

    Kia maumahara, me whakaae tō āheinga KiwiBuild, me whakarite hoki i te whakaaetanga-ā-mua mō tētahi mōkete nā tētahi pēke, kaituku pūtea atu anō rānei kia oti ai i tāu hoko i tētahi kāinga KiwiBuild. Toroa a kiwibuild.govt.nz mō te roanga atu o ngā kōrero, me te whakaū i tōu māraurau.

    Ina tiro ana koe ki ngā kāinga KiwiBuild, he whakaaro pai kia toroa ētahi kāinga tuwhera me te kōrero ki te kaihanga whare, te kaiwhakawhanake māna aua whare e hanga.

    Ngā Paetukutuku Kaihoko Whare - He ara ngāwari hoki ngā paetukutuku a Real Estate NZ, a Trade Me, a OneRoof hoki kia rapua ngā whare. Mā reira e mōhio pai koe ki tāu e taea ai te utu, me ngā momo kāinga e nako ai ki te noho.

    SAILIGA

    Ua uma ona faatulaga lelei ma ua muai talia lau tupe, o tupe faameaalofa (grants) ma isi polokalame, pe ua talia atoatoa foi. Ua e iloa pe fia le tupe e mafai ona e faaaluina, o le ā le tiposi lea e te faia, ae o le ā le ituaiga o fale e te gafatia ona totogi. Atonu ua maua sau First Home Loan ma se First Home Grant ma atonu e te faaaogāina se tupe mai lau KiwiSaver e fesoasoani i lau tiposi mo le faatauina o lou fale. O le vaega tonu lea ua amata manaia ai lau faigamalaga lea ua faagasolo. O nisi nei o nofoaga e lelei pe a e agai i ai mo nisi faamatalaga a‘o faagasolo lau suega fale.

    Upega Tafailagi I Mangere Ma Ofisa Tutotonu Mo Faamatalaga
    12 Waddon Place, Mangere

    E manaia tele la matou upega tafailagi mo le sailia o nisi faamatalaga i mea o loo faia i totonu o le Mangere Development, pe e te susū mai foi tatou talanoa i le Mangere Information Centre. Ua ia i matou faamatalaga uma o le a e moomia mo le sailiga o se fale e fetaui lelei mo oe i le Mangere Development. O loo ia i matou foi faamatalaga i fale eseese o loo avanoa e faatau, e aofia ai faafanua ma fuafuaga ma isi faamatalaga atoa o lenei atina‘e.

    Upega Taifailagi A Le KiwiBuild - I iinei e mafai ona e silasila ai i fale uma lava a le KiwiBuild o loo avanoa i le taimi nei, ma e lesitala ai i le vaega a le KiwiBuild mo tusitusiga e faailoa atu ai faamatalaga fou pe a oo ina faasilasila mai nisi fale fou.

    Afai e te maua se fale ua e manao ai, o le isi laasaga o le faafesootai o le vaega na fausiaina le fale poo le vaega faatau fale, ma e auai atu i se aso e tatala ai le fale mo maimoaga (open home). O le a latou saunia ai nisi faamatalaga e uiga i le fale ma faasinosino oe i le amataga o le faagasologa o le faatauga o le fale.

    Manatua e moomia ona faamautinoa e te agavaa mo le polokalame a le KiwiBuild ma ua muai talia sau tupe mo se mokesi mai se faletupe poo se isi kamupani nonō tupe ua e faamaonia, ina ia mafai ona faamae‘a le faatauina o sou fale mai le KiwiBuild. Tagai i le kiwibuild.govt.nz mo nisi faamatalaga ma faamaonia ai lou agavaa.

    Afai o loo e mafaufau e te faaaogāina le KiwiBuild, o se mea lelei lou auai atu i nisi o aso e tatala ai fale mo maimoaga, ma e talanoa atu i faufale poo le vaega na latou fuafuaina le fausia o fale.

    Upega Tafailagi A Kamupani Faatau Fale A Le Real Estate - O upega tafailagi a le Real Estate NZ, Trade Me ma le OneRoof, o nisi foi na o auala faigofie e saili ai mo fale.E te maua ai se manatu lelei poo le ā le fale e te gafatia pe lē gafatia ona totogi, ma ituaiga o fale e te ono manao e nofo ai.

    FAKASIO

    Ko ho‘o nō, ngaahi tokoni fakapa‘angá mo e polokalama fakatau ‘api kuo maau pea tali-fakaangaanga pe ‘osi tali kakato. Kuo ke ‘ilo e lahi ho‘o fakamole, mo e tipōsiti kuo ma‘ú pea pehē ki he kalasi ‘api ‘e lava ho ivi ‘o totongi. Ngali kuo tali ‘a ho‘o kole nō First Home Loan pea mo ha tokoni mei he First Home Grant pea malava foki ke ke ngāue‘aki ‘a ho‘o KiwiSaver ko e konga ‘o e tipōsiti ke fakatau‘aki ho ‘api. Ko e taimi eni ‘oku kamata ke fakalata ange ai ho‘o feinga. Ko e ngaahi feitu‘u eni te ke lava ‘o ma‘u fakamatala mei ai lolotonga e taimi ho‘o kumi ‘api.

    Ko E Mangere Website and Information Centre
    12 Waddon Place, Mangere

    Ko ‘emau uepisaití ko e feitu‘u lelei ia ke ke ma‘u fakamatala mei ai fekau‘aki mo e Mangere Development, pe ko ho‘o afe mai ‘i homau ‘ofisí ‘i he Mangere Information Centre ke tau talanoa ki ai. ‘Oku ma‘u atu heni ‘a e ngaahi fakamatala kotoa pe te ke fiema‘u ke tokoni ki ho‘o kumi ‘api ‘i he Mangere Development. ‘Oku toe ‘i ai pe mo e ngaahi fakamatala kehe ki he ‘ū fale ‘oku tu‘uaki fakatau atu, kau ai e mape mo e palani mo ha toe me‘a pe te ke fie‘ilo ki ai he langa falé fakakatoa.

    Ko E Uepisaiti KiwiBuild - Ko e uepisaiti eni te ke lava ‘o sio ai he ū fale KiwiBuild pea mo ke lēsisita ai ke tufa atu ha‘o nusipepa KiwiBuild ke ke ‘ilo e taimi ‘e tuku atu ai ‘a e ‘ū fale fo‘ou ke fakatau.

    Ko ‘ene a‘u ki ha taimi kuo ma‘u ai ha fale ‘oku ke manako ai ko e sitepu hokó ko ho‘o fetu‘utaki ki he kautaha ‘oku ha‘a nautolu e falé pe ko e fakafofonga tu‘uaki fale, ke ke lava atu ‘o kau hono mamata‘í he ‘aho ‘e fakaava ai. Te nau ‘oatu ha ngaahi fakamatala fekau‘aki mo e falé mo mou hoko atu ai pe ki hono kamata‘i e ngāue ki he fakatau.

    Manatu‘i kuopau ke maau ‘a e ‘ū tali mei he KiwiBuild fakataha mo e ‘ū alea nō mei he pangikeé mo e ‘ū kautaha fakapa‘anga kehé kae toki malava ‘o fakakakato ‘a ho‘o fakatau fale mei he KiwiBuild. Hū pe ki he kiwibuild.govt.nz ‘o ma‘u ai e ngaahi fakamatala ke fakapapau‘i ‘aki ‘oku ngofua ke ke lava ‘o fakatau fale.

    Kapau ‘oku ke sio ki ha fale KiwiBuild, mahalo ko ha fakakaukau lelei ia ke ke a‘utonu ‘o mamata he ‘enau ‘ū falé he taimi ‘e faka‘atā mai ai, mo ke talanoa mo e tufunga pe ki a kinautolu he kautaha ne nau langa.

    Ko E Ū Uepisaiti 'A E Ngaahi Kautaha Fakatau 'Api - Ko e taha e founga faingofua ke ke fakasio fale ai ko ho‘o vakai‘i e ‘ū uepisaiti The Real Easte NZ, Trade Me mo e OneRoof. Te ke ma‘u ai ‘a e fakafuofua ki he fale ‘e fe‘unga mo ho ivi fakapa‘angá mo e kalasi fale te ke fiema‘u ke ke hiki ‘o nofo ai.

  • Phase 05 PURCHASING
    Select your language: Maori Samoan Tongan English

    PURCHASING

    Congratulations, you’re coming to the end of your home buying journey. It’s time to finalise your home purchase and move in. Remember, as a homeowner you have new expenses to think about such as rates, insurance and your mortgage.

    Here are a few ideas on how to make the move to being a homeowner easier.

    Making an Offer – If you’ve found a home in the Mangere Development that you’re interested in, get in touch with the developer or real estate agent to discuss the details of how to make an offer. Remember to seek legal and financial advice during this process.

    KiwiBuild – If you've found a KiwiBuild home you like and want to make an offer, your lawyer and the developer or their real estate agent will guide you through the buying process. If the home is being sold by ballot, you will need to enter into the draw on the KiwiBuild website. If your name is drawn, you will have the opportunity to proceed with your purchase.

    Keeping in Touch – Make sure you check in with your lawyer (who will be dealing with the grants and deposits that you have secured) to make sure everything is in order. Talk to your bank to confirm your mortgage has been finalised ready for settlement day.

    Settlement Day – This is the day your mortgage will be confirmed and you will officially take ownership of your new home. Your lawyer will handle the details of this with your bank or chosen lender. Your lawyer will also finalise the details if you are using a First Home Grant, First Home Loan or KiwiSaver first home withdrawal. You’ll need to ensure these are all approved and in place well before settlement day.

    Home and Contents Insurance – This should be sorted before moving day. It’s a requirement of the bank for your home to be insured, so it’s important to have this organised. You can easily insure your home over the phone by calling any home and contents insurance company.

    Bills and banking – It’s a good idea to set up automatic payments for your insurance and rates payments (and any other house related expense payments). This spreads your costs evenly across the year and makes paying bills easier, especially if you’re new to home ownership.

    Once you’ve moved in - Congratulations! Enjoy your new home in the Mangere Development.

     

     

    TE HOKO MAI

    He mihi, kua tata koe ki te otinga o tō ara hoko whare mai. Kua tae te wā ki te whakapūmau i tāu hoko whare me te hūnuku. Kia maumahara, hei kaipupuri whare, he utunga hōu āu kia whakaarohia pēnei i ngā tāke kaunihera, te rīanga, me tō mōkete. Anei ētahi whakaaro e ngāwari ake ai tāu nuku ki te tāngata whai whare.

    Te Tāpae Utu Hoko MaiMēnā kua kite koe i tētahi kāinga i te Whakawhanaketanga Māngere e aro ai koe, whakapā atu ki te kaiwhakawhanake, ki te kaihoko whare rānei ki te kōrerorero i te momo tāpae utu hoko mai ka taea. Kia maumahara ki te whiwhi tohutohu ā-ture, ā-pūtea hoki hei taua wā.

    KiwiBuildMēnā kua kite koe i tētahi kāinga KiwiBuild e rata ai koe, ā, e hiahia ana koe ki te tāpae utu hoko mai, mā tō rōia rāua ko te kaiwhakawhanake, ko tō rātou kaihoko whare rānei, e ārahi i a koe rā roto i te hātepe hoko mai. Mēnā kei te hokona atu te whare mā te māpere, me uru atu koe ki te rārangi māpere ki te paetukutuku KiwiBuild i kiwibuild.govt.nz ā, mēnā ka tangohia tōu ingoa, ka taea te koke whakamua me tō hoko mai.

    Te Whakapā TonuMe kōrero ki tō rōia (māna e whakarite ngā tuku pūtea me ngā moni kuhu kua whiwhi koe) e mōhio ai kei te pai haere ngā whakaritenga. Kōrero ki tō pēke kia mōhio mēnā kua whakapūmautia tō mōkete, ā, e rite ai mō te rangi whakaoti utu.

    Rangi Whakaoti UtuKoinei te rangi e mana ai tō mōkete, ā, ka huri koe hei rangatira o tōu kāinga hōu. Mā tō rōia ngā taipitopito o tēnei e whakarite me tō pēke, te kaituku pūtea i kōwhiria rānei e koe. Mā tō rōia hoki ngā taipitopito e whakapūmau ina whakamahi ana koe i tētahi Tuku Pūtea Kāinga Tuatahi, tētahi Pūtea Taurewa Kāinga Tuatahi, tētahi unu kāinga tuatahi a KiwiSaver rānei. Me whakaae ēnei ā mua rā anō i te rangi whakaoti utu.

    Rīanga Ā-Kāinga, Ā-Taonga HokiMe whakarite tēnei ā mua i te rangi hūnuku. He mea whakature nā te pēke kia whairīanga tōu whare, nā reira he mea hirahira kia whakaritea. He māmā noa te whai rīanga mō tō kāinga mā te waea i tētahi umanga rīanga ā-kāinga, ā-taonga hoki.

    Ngā Nama Me Ngā Mahi PēkeHe whakaaro pai kia whakaritea ngā utunga aunoa mō ō utunga rīanga, tāke kaunihera hoki (me ētahi atu utunga ā-whare anō). E hora ana tēnei i ō utunga ki te roanga o te tau katoa, ā, e ngāwari ake ai te utu i ngā nama, ina koa he tauhōu koe ki te whai whare.

    FAATAUINA

    Malo lava, o lenei ua e oo mai i le si‘ui o lau faigamalaga mo le faatauina o sou fale. Ua oo nei i le taimi e faamae‘a uma ai mea mo le faatauina o lou fale ma e nofo ai loa. Manatua, ona o oe lea e ona le fale, e fou au tupe faaalu ia ua tatau ona mafaufau i ai e pei o lafoga totogi mo auaunaga moomia (rates), inisiua ma lau mokesi. O nai faufautuaga nei ina ia faafaigofie lou ulu atu i tulaga o se tagata e onaina se fale.

    Fai Se OfaAfai e iai se fale i le Mangere Development e te fiafia i ai, fesootai atu i le vaega o loo fausiaina fale poo le vaega faatau fale e faatalanoa auiliiliga uma pe faapefea ona fai sau ofa. Manatua e tatau ona e saili se fautuaga mai se loia ma se tagata mo mataupu tau tupe i le taimi o le a faagasolo ai lena fuafuaga.

    KiwiBuildAfai ua e maua se fale a le KiwiBuild e te fiafia i ai ma ua e manao e fai sau ofa, o le a faasinosino atu lava e lau loia ma le vaega na fausiaina le fale poo le latou kamupani faatau fale, mea ia te oe a‘o faagasolo le faatauina o le fale. Afai e faatau le fale i se faiga faapalota, o le a moomia la ona tuu lou suafa i le se‘i i le upega tafailagai a le KiwiBuild, le kiwibuild.govt.nz mafai e manuia ai lou suafa, o le a e maua loa le avanoa e faagasolo ai le faatauina o le fale.

    Fai Ma Fesootai PeaLa mautinoa e te fai ma siaki i lau loia (o ia o le a vaaia tupe faameaalofa [grants] ma tupe ua tiposi ua uma ona e faamauina) ina ia faamautinoa o loo sologa lelei mea uma. Talanoa atu i lau faletupe e toe faamautinoa ua mae‘a ona faamae‘a uma pepa o lau mokesi ma ua sauni mo le aso e faamae‘a uma ai mea.

    Le Aso Ua Seki Mea Uma - O le aso lenei o le a faamautū ai lau mokesi ma o le a aloaia ai foi le avea o oe ma lē e onaina lou fale fou. O le a taulima e lau loia auiliiiliga uma faatasi ma lau faletupe poo se kamupani nonō tupe ua e filifilia. O le a faamae‘a foi e lau loia isi auiliiliga pe afai o loo e faaaogāina le polokalame o le First Home Grant, First Home Loan poo le tupe lea e tala mai lau KiwiSaver mo lou uluai fale. E tatau ona e faamautinoa ua talia ma faatulaga uma nei vaega a‘o lei taitai ona oo i le aso e faamautu ai mea uma.

    Inisiua Mo Le Fale Ma MeafaleE tatau ona faatulaga mea nei a‘o lei nofoia le fale. E tāpā mai e le faletupe le mea lenei ina ia inisiua lou fale, e tāua la le faatulagaina lelei E faigofie lava le faiga i luga o le telefoni, i lou vili i soo se kamupani inisiua latou te faia inisiua mo fale mameafale.

    Pili Ma Le Teuina O Tupe i Le FaletupeO se mea lelei le seki o peimegi e otomeki lava ona ave ese atu i lau tusitupe mo le totogiina o lau inisiua ma lafoga totogi mo auaunaga moomia (ma nisi lava peimegi e totogi mo mea e fesootai ma le fale). O le faia faapea, o le a paleni lelei ai ona faasafua au mea totogi mo le tausaga, ma faigofie ai foi ona totogi au pili, aemaise pe afai o se taimi muamua lea ua e umia ai sou lava fale.

    FAKATAU

    Talamonū atu, kuo tau fonua ho‘o feinga fakatau ‘api. Kuo taimi ke faka‘osi ‘a ho‘o fakatau ‘api ka ke hiki ki ai. Manatu‘i, ‘i ho‘o hoko ko e tokotaha ma‘u ‘api, ‘oku ‘i ai e ngaahi me‘a fakapa‘anga ke tokanga‘i hangē ko e totongi tukuhau fakakolo (rates), malu‘i (insureance) pea mo e mokasi foki. Ko e fanga ki‘i fokotu‘u fakakaukau eni na‘a tokoni atu ‘i ho‘o
    fuofua hoko ko e tokotaha ma‘u ‘api.

    Fokotu‘u Atu Ha‘ Mahu‘inga - Kapau kuo ke ma‘u ha fale ‘i he Mangere Development ‘oku ke sai‘ia ai, fetu‘utaki ki he kautaha langá pe ko e fakafofonga tu‘uaki falé ke mou talanoa ki he fakaikiiki ‘o ha talaatu ha‘o mahu‘inga. Manatu‘i ke ke kumi ha fale‘i fakalao mo ha fale‘i fakapa‘anga lolotonga ‘a e taimi alea ko eni.

    Ko E KiwiBuild - Kapau kuo ke ma‘u ha fale ‘i he KiwiBuild ‘oku ke sai‘ia ai pea ke fiema‘u ke fai ha‘o tala mahu‘inga ki ai ‘e tokoni atu ho‘o loeá pe ko e kautaha langá pe ko e fakafofonga tu‘uaki falé ki hono tataki koe ‘i he founga ke fai‘aki e fakatau. Kapau ko e falé ia ‘oku fakatau he founga pāloti ‘e fiema‘u ke ke lēsisita ‘i he lulu KiwiBuild he ‘enau uepisaiti kiwibuild.govt.nz pea ka toho ho hingoá ko koe ‘a e ikuná te ke ma‘u leva e faingamālie ke hoko atu ki hono fakakakato ‘a e alea fakatau.

    Fetu'utaki Ki Ai - Fakapapau‘i ke ke vakai‘i ho‘o loea (ko ia te ne tokanga‘i ‘a e pa‘anga noó mo e tipōsiti na‘a ke ‘osi kole pea tali) ke mahino ‘oku tukungamālie me‘a kotoa pe. Fetu‘utaki ki ho‘o pangikeé ke fakapapau‘i kuo tali ho‘o mokasí ki he ‘aho ‘e fakahoko ai e fakatau.

     'Aho Ke Faka'osi Ki Ai 'A E Fakatau - Ko e ‘aho eni ‘e fakamo‘oni ai kuo ‘osi ma‘u ho‘o mokasi pea teke toki hoko ko e tokotaha ma‘u ‘api. Ko ho‘o loeá te ne tokanga‘i ‘a e ngaahi me‘a fakapa‘anga kotoa mo e pangikeé pe ko e kautaha fakapa‘anga na‘a ke nō mei ai. ‘E toe ngāue pe ho‘o loeá ki hono fakamā‘opo‘opo ‘a e ngaahi aleá kapau na‘a ke ngāue‘aki ‘a e First Home Grant, First Home Loan pe KiwiSaver First Home Withdrawal. ‘E fiema‘u ke ke fakapapau‘i ko e ‘ū alea ko ení kuo ‘osi tali pea maau kimu‘a ‘i he ‘aho fefakamo‘oni‘aki ‘o e fakatau.

    Malu'i E Falé Mo Hono Naunau - ‘Oku totonu ke tomu‘a fakakakato eni ia kimu‘a he ‘aho te ke hiki ai ki ho ‘api fo‘ou. Ko e fiema‘u eni ia ‘a e pangikeé ke malu‘i ho falé, ko ia ‘oku mahu‘inga ke ‘ai ia ke maau. ‘Oku faingofua pe ke ke alea‘i telefoni e malu‘í mo ha kautaha malu‘i fale mo malu‘i mo hono naunau.

    Mo'ua Mo Hono Totongi - ‘E lelei ange ke fokotu‘utu‘u ke lava pe ‘o to‘o mei ho‘o ‘akauni ‘i he pangikeē ‘a e totongi ho‘o malu‘í mo e tukuhau fakakolo (mo ha toe fakamole kehe pe ‘oku fekau‘aki mo ho fale). ‘E tokoni ia ki hono vahevahe tatau ho‘o totongi mo‘uá he ta‘ú kakato pea mo faingofua ange tautefito kapau ‘oku ke fo‘ou ki he ma‘u ‘api.

Select your language: Maori Samoan Tongan English

PURCHASING

Congratulations, you’re coming to the end of your home buying journey. It’s time to finalise your home purchase and move in. Remember, as a homeowner you have new expenses to think about such as rates, insurance and your mortgage.

Here are a few ideas on how to make the move to being a homeowner easier.

Making an Offer – If you’ve found a home in the Mangere Development that you’re interested in, get in touch with the developer or real estate agent to discuss the details of how to make an offer. Remember to seek legal and financial advice during this process.

KiwiBuild – If you've found a KiwiBuild home you like and want to make an offer, your lawyer and the developer or their real estate agent will guide you through the buying process. If the home is being sold by ballot, you will need to enter into the draw on the KiwiBuild website. If your name is drawn, you will have the opportunity to proceed with your purchase.

Keeping in Touch – Make sure you check in with your lawyer (who will be dealing with the grants and deposits that you have secured) to make sure everything is in order. Talk to your bank to confirm your mortgage has been finalised ready for settlement day.

Settlement Day – This is the day your mortgage will be confirmed and you will officially take ownership of your new home. Your lawyer will handle the details of this with your bank or chosen lender. Your lawyer will also finalise the details if you are using a First Home Grant, First Home Loan or KiwiSaver first home withdrawal. You’ll need to ensure these are all approved and in place well before settlement day.

Home and Contents Insurance – This should be sorted before moving day. It’s a requirement of the bank for your home to be insured, so it’s important to have this organised. You can easily insure your home over the phone by calling any home and contents insurance company.

Bills and banking – It’s a good idea to set up automatic payments for your insurance and rates payments (and any other house related expense payments). This spreads your costs evenly across the year and makes paying bills easier, especially if you’re new to home ownership.

Once you’ve moved in - Congratulations! Enjoy your new home in the Mangere Development.

 

 

TE HOKO MAI

He mihi, kua tata koe ki te otinga o tō ara hoko whare mai. Kua tae te wā ki te whakapūmau i tāu hoko whare me te hūnuku. Kia maumahara, hei kaipupuri whare, he utunga hōu āu kia whakaarohia pēnei i ngā tāke kaunihera, te rīanga, me tō mōkete. Anei ētahi whakaaro e ngāwari ake ai tāu nuku ki te tāngata whai whare.

Te Tāpae Utu Hoko MaiMēnā kua kite koe i tētahi kāinga i te Whakawhanaketanga Māngere e aro ai koe, whakapā atu ki te kaiwhakawhanake, ki te kaihoko whare rānei ki te kōrerorero i te momo tāpae utu hoko mai ka taea. Kia maumahara ki te whiwhi tohutohu ā-ture, ā-pūtea hoki hei taua wā.

KiwiBuildMēnā kua kite koe i tētahi kāinga KiwiBuild e rata ai koe, ā, e hiahia ana koe ki te tāpae utu hoko mai, mā tō rōia rāua ko te kaiwhakawhanake, ko tō rātou kaihoko whare rānei, e ārahi i a koe rā roto i te hātepe hoko mai. Mēnā kei te hokona atu te whare mā te māpere, me uru atu koe ki te rārangi māpere ki te paetukutuku KiwiBuild i kiwibuild.govt.nz ā, mēnā ka tangohia tōu ingoa, ka taea te koke whakamua me tō hoko mai.

Te Whakapā TonuMe kōrero ki tō rōia (māna e whakarite ngā tuku pūtea me ngā moni kuhu kua whiwhi koe) e mōhio ai kei te pai haere ngā whakaritenga. Kōrero ki tō pēke kia mōhio mēnā kua whakapūmautia tō mōkete, ā, e rite ai mō te rangi whakaoti utu.

Rangi Whakaoti UtuKoinei te rangi e mana ai tō mōkete, ā, ka huri koe hei rangatira o tōu kāinga hōu. Mā tō rōia ngā taipitopito o tēnei e whakarite me tō pēke, te kaituku pūtea i kōwhiria rānei e koe. Mā tō rōia hoki ngā taipitopito e whakapūmau ina whakamahi ana koe i tētahi Tuku Pūtea Kāinga Tuatahi, tētahi Pūtea Taurewa Kāinga Tuatahi, tētahi unu kāinga tuatahi a KiwiSaver rānei. Me whakaae ēnei ā mua rā anō i te rangi whakaoti utu.

Rīanga Ā-Kāinga, Ā-Taonga HokiMe whakarite tēnei ā mua i te rangi hūnuku. He mea whakature nā te pēke kia whairīanga tōu whare, nā reira he mea hirahira kia whakaritea. He māmā noa te whai rīanga mō tō kāinga mā te waea i tētahi umanga rīanga ā-kāinga, ā-taonga hoki.

Ngā Nama Me Ngā Mahi PēkeHe whakaaro pai kia whakaritea ngā utunga aunoa mō ō utunga rīanga, tāke kaunihera hoki (me ētahi atu utunga ā-whare anō). E hora ana tēnei i ō utunga ki te roanga o te tau katoa, ā, e ngāwari ake ai te utu i ngā nama, ina koa he tauhōu koe ki te whai whare.

FAATAUINA

Malo lava, o lenei ua e oo mai i le si‘ui o lau faigamalaga mo le faatauina o sou fale. Ua oo nei i le taimi e faamae‘a uma ai mea mo le faatauina o lou fale ma e nofo ai loa. Manatua, ona o oe lea e ona le fale, e fou au tupe faaalu ia ua tatau ona mafaufau i ai e pei o lafoga totogi mo auaunaga moomia (rates), inisiua ma lau mokesi. O nai faufautuaga nei ina ia faafaigofie lou ulu atu i tulaga o se tagata e onaina se fale.

Fai Se OfaAfai e iai se fale i le Mangere Development e te fiafia i ai, fesootai atu i le vaega o loo fausiaina fale poo le vaega faatau fale e faatalanoa auiliiliga uma pe faapefea ona fai sau ofa. Manatua e tatau ona e saili se fautuaga mai se loia ma se tagata mo mataupu tau tupe i le taimi o le a faagasolo ai lena fuafuaga.

KiwiBuildAfai ua e maua se fale a le KiwiBuild e te fiafia i ai ma ua e manao e fai sau ofa, o le a faasinosino atu lava e lau loia ma le vaega na fausiaina le fale poo le latou kamupani faatau fale, mea ia te oe a‘o faagasolo le faatauina o le fale. Afai e faatau le fale i se faiga faapalota, o le a moomia la ona tuu lou suafa i le se‘i i le upega tafailagai a le KiwiBuild, le kiwibuild.govt.nz mafai e manuia ai lou suafa, o le a e maua loa le avanoa e faagasolo ai le faatauina o le fale.

Fai Ma Fesootai PeaLa mautinoa e te fai ma siaki i lau loia (o ia o le a vaaia tupe faameaalofa [grants] ma tupe ua tiposi ua uma ona e faamauina) ina ia faamautinoa o loo sologa lelei mea uma. Talanoa atu i lau faletupe e toe faamautinoa ua mae‘a ona faamae‘a uma pepa o lau mokesi ma ua sauni mo le aso e faamae‘a uma ai mea.

Le Aso Ua Seki Mea Uma - O le aso lenei o le a faamautū ai lau mokesi ma o le a aloaia ai foi le avea o oe ma lē e onaina lou fale fou. O le a taulima e lau loia auiliiiliga uma faatasi ma lau faletupe poo se kamupani nonō tupe ua e filifilia. O le a faamae‘a foi e lau loia isi auiliiliga pe afai o loo e faaaogāina le polokalame o le First Home Grant, First Home Loan poo le tupe lea e tala mai lau KiwiSaver mo lou uluai fale. E tatau ona e faamautinoa ua talia ma faatulaga uma nei vaega a‘o lei taitai ona oo i le aso e faamautu ai mea uma.

Inisiua Mo Le Fale Ma MeafaleE tatau ona faatulaga mea nei a‘o lei nofoia le fale. E tāpā mai e le faletupe le mea lenei ina ia inisiua lou fale, e tāua la le faatulagaina lelei E faigofie lava le faiga i luga o le telefoni, i lou vili i soo se kamupani inisiua latou te faia inisiua mo fale mameafale.

Pili Ma Le Teuina O Tupe i Le FaletupeO se mea lelei le seki o peimegi e otomeki lava ona ave ese atu i lau tusitupe mo le totogiina o lau inisiua ma lafoga totogi mo auaunaga moomia (ma nisi lava peimegi e totogi mo mea e fesootai ma le fale). O le faia faapea, o le a paleni lelei ai ona faasafua au mea totogi mo le tausaga, ma faigofie ai foi ona totogi au pili, aemaise pe afai o se taimi muamua lea ua e umia ai sou lava fale.

FAKATAU

Talamonū atu, kuo tau fonua ho‘o feinga fakatau ‘api. Kuo taimi ke faka‘osi ‘a ho‘o fakatau ‘api ka ke hiki ki ai. Manatu‘i, ‘i ho‘o hoko ko e tokotaha ma‘u ‘api, ‘oku ‘i ai e ngaahi me‘a fakapa‘anga ke tokanga‘i hangē ko e totongi tukuhau fakakolo (rates), malu‘i (insureance) pea mo e mokasi foki. Ko e fanga ki‘i fokotu‘u fakakaukau eni na‘a tokoni atu ‘i ho‘o
fuofua hoko ko e tokotaha ma‘u ‘api.

Fokotu‘u Atu Ha‘ Mahu‘inga - Kapau kuo ke ma‘u ha fale ‘i he Mangere Development ‘oku ke sai‘ia ai, fetu‘utaki ki he kautaha langá pe ko e fakafofonga tu‘uaki falé ke mou talanoa ki he fakaikiiki ‘o ha talaatu ha‘o mahu‘inga. Manatu‘i ke ke kumi ha fale‘i fakalao mo ha fale‘i fakapa‘anga lolotonga ‘a e taimi alea ko eni.

Ko E KiwiBuild - Kapau kuo ke ma‘u ha fale ‘i he KiwiBuild ‘oku ke sai‘ia ai pea ke fiema‘u ke fai ha‘o tala mahu‘inga ki ai ‘e tokoni atu ho‘o loeá pe ko e kautaha langá pe ko e fakafofonga tu‘uaki falé ki hono tataki koe ‘i he founga ke fai‘aki e fakatau. Kapau ko e falé ia ‘oku fakatau he founga pāloti ‘e fiema‘u ke ke lēsisita ‘i he lulu KiwiBuild he ‘enau uepisaiti kiwibuild.govt.nz pea ka toho ho hingoá ko koe ‘a e ikuná te ke ma‘u leva e faingamālie ke hoko atu ki hono fakakakato ‘a e alea fakatau.

Fetu'utaki Ki Ai - Fakapapau‘i ke ke vakai‘i ho‘o loea (ko ia te ne tokanga‘i ‘a e pa‘anga noó mo e tipōsiti na‘a ke ‘osi kole pea tali) ke mahino ‘oku tukungamālie me‘a kotoa pe. Fetu‘utaki ki ho‘o pangikeé ke fakapapau‘i kuo tali ho‘o mokasí ki he ‘aho ‘e fakahoko ai e fakatau.

 'Aho Ke Faka'osi Ki Ai 'A E Fakatau - Ko e ‘aho eni ‘e fakamo‘oni ai kuo ‘osi ma‘u ho‘o mokasi pea teke toki hoko ko e tokotaha ma‘u ‘api. Ko ho‘o loeá te ne tokanga‘i ‘a e ngaahi me‘a fakapa‘anga kotoa mo e pangikeé pe ko e kautaha fakapa‘anga na‘a ke nō mei ai. ‘E toe ngāue pe ho‘o loeá ki hono fakamā‘opo‘opo ‘a e ngaahi aleá kapau na‘a ke ngāue‘aki ‘a e First Home Grant, First Home Loan pe KiwiSaver First Home Withdrawal. ‘E fiema‘u ke ke fakapapau‘i ko e ‘ū alea ko ení kuo ‘osi tali pea maau kimu‘a ‘i he ‘aho fefakamo‘oni‘aki ‘o e fakatau.

Malu'i E Falé Mo Hono Naunau - ‘Oku totonu ke tomu‘a fakakakato eni ia kimu‘a he ‘aho te ke hiki ai ki ho ‘api fo‘ou. Ko e fiema‘u eni ia ‘a e pangikeé ke malu‘i ho falé, ko ia ‘oku mahu‘inga ke ‘ai ia ke maau. ‘Oku faingofua pe ke ke alea‘i telefoni e malu‘í mo ha kautaha malu‘i fale mo malu‘i mo hono naunau.

Mo'ua Mo Hono Totongi - ‘E lelei ange ke fokotu‘utu‘u ke lava pe ‘o to‘o mei ho‘o ‘akauni ‘i he pangikeē ‘a e totongi ho‘o malu‘í mo e tukuhau fakakolo (mo ha toe fakamole kehe pe ‘oku fekau‘aki mo ho fale). ‘E tokoni ia ki hono vahevahe tatau ho‘o totongi mo‘uá he ta‘ú kakato pea mo faingofua ange tautefito kapau ‘oku ke fo‘ou ki he ma‘u ‘api.