Go to a broker … or I hear Kiwibank is offering 8.6% 3 years fixed.
Get an e – valuation from QV to give you an idea on the value.
Do some comps on what is selling in the apartment block in the last 6 -9 weeks.
Get 3 RE agents in to evaluate the property ( tell em you may be thinking of selling) – Get Comps off them to support thier claims to the sale … make sure they are within your complex that you are selling.
Put in an application and see if the lender requests a valuation.