Top 5 Mistakes People Make When Applying for a Home Loan in NZ

• Not getting pre-approval before shopping for a house.

• Taking on debt during the process.

• Underestimating expenses and overestimating income.

• Forgetting to factor in hidden costs (valuations, legal, LIM reports).

• Not using a mortgage broker to compare deals.

• Call to action: “Avoid mistakes—get advice from Smart Mortgage Services

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