Buy Your First Home
Jump on the property ladder with expert guidance
In brief
A first-home mortgage adviser helps you understand your deposit, borrowing position, KiwiSaver withdrawal options, lender requirements and pre-approval before you make an offer. Mortgage Lab advisers can compare options from participating lenders, explain the trade-offs and manage the application through to settlement.
Mortgage Lab helps first-home buyers in New Zealand understand borrowing power, deposits, KiwiSaver withdrawals, pre-approval, and lender options before making an offer.
Buying your first home is one of the most exciting – and sometimes overwhelming – experiences you'll have. There's so much to learn: deposits, pre-approvals, LVRs, fixed vs floating rates, and more.
That's where we come in. Our mortgage advisers specialise in helping first home buyers navigate the process from start to finish. We'll help you understand what you can afford, which lenders are right for your situation, and guide you through every step.
We manage the finance process for you while keeping you informed and involved every step of the way. And the best part? Our service is usually at no direct cost to you.
Information sources
Information checked 28 July 2026. Lending and eligibility criteria can change.
How We Can Help
Calculate how much you can borrow and what properties are in your price range
Help you access your KiwiSaver for your first home deposit
Guide you through the First Home Loan scheme for deposits as low as 5%
Compare suitable options from our panel of 27+ participating lenders
Explain the entire process so you feel confident and informed
Handle all the paperwork and negotiations with lenders on your behalf
Frequently Asked Questions
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What Our Clients Say
“We had an incredible experience working with Roger on our journey to securing our first home. From our first meeting he instantly made us feel at ease. His expertise and knowledge in the mortgage industry were truly impressive. He patiently guided us through the entire process, explaining every step and answering all our questions with a genuine enthusiasm. His dedication and commitment to finding us the best possible mortgage option was unwavering. Thanks to his tireless efforts, we now have the keys to our dream home. We couldn't be happier with his outstanding service and highly recommend him to anyone in need of a mortgage broker. Thank you!”
Becs Reilly
Roger Fairbairn“Cindy is very professional and knowledgeable, she helped me saving a lot of time on applying and processing my application.”
Litao Huang
Cindy Huang“Laura did an incredible job when it came time for us to refix our mortgage. Her communication from initial consultation to signing off the paperwork was excellent, not to mention the great options for different banks and rates for terms that suited our needs at the time. Her facilitation of this process made my life easier, which is the most valuable part of this experience.”
Raj Reddy
Laura CatesReady to Get Started?
Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.