First Home Buyers
Your path to home ownership starts here
We'll guide you through every step—from unlocking your KiwiSaver to getting pre-approved by the right lender. No jargon, just straight advice.
Book a free chatWhat we'll help you with
Buying your first home is a big moment. We'll handle the mortgage side so you can focus on finding the right place.
KiwiSaver & First Home Loan
We'll show you how to access your KiwiSaver, understand the First Home Loan eligibility, and work out what deposit you actually need. Most first home buyers can buy sooner than they think.
Bank pre-approval
We'll get you pre-approved so you know your budget before you start house hunting. This shows sellers you're serious, and helps you stay focused on properties in your range.
Access to all lenders
We work with every major NZ bank plus Kāinga Ora and specialist lenders. That means we find the best rate and terms for your situation, not just what your current bank offers.
It's completely free
We're paid by the lenders, not by you. So getting expert advice costs you nothing—and could save you thousands in interest over your mortgage life.
How it works
Discovery call
We'll chat about your situation, your goals, any challenges with credit or income, and what you've saved so far. This is just a friendly conversation to understand where you're at.
Strategy & pre-approval
We'll work out the best way to use your KiwiSaver, apply for pre-approval from the lender that suits you best, and give you a clear picture of what you can borrow. This usually takes 5–10 working days.
Settlement
You've found the right place. We'll manage the loan application with full paperwork, liaise with the bank and your lawyer, and make sure everything's ready for settlement day.
Common questions
How much deposit do I actually need?
It depends on your situation. With a strong KiwiSaver balance and income, the First Home Loan can help you buy with as little as 5-10% deposit. We'll work through what you've got and show you your options. Most people can access more than they think.
Can I withdraw from my KiwiSaver?
Yes. If you're a first home buyer and have been in KiwiSaver for 3 years or more, you can withdraw your balance (minus $1,000) to put towards your first home. We'll make sure you do this the right way and keep everything on track.
How long does it take to get pre-approved?
Usually 5–10 working days from when you've given us all your info. We'll handle all the paperwork with the bank. Once you're pre-approved, you can start house hunting with confidence and move quickly when you find the right place.
Ready to get started?
Let's have a chat about your first home goals. No pressure, no commitment—just friendly advice to get you moving.
Book a free consultation