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
“Brett was simply the best mortgage advisor we have ever used. He really went the extra mile to help find solutions to our challenging business financial situation and got the results we needed. We would have no hesitation in recommending Brett to anyone. He was awesome!”
Adam Wooler
Brett Davies“I am so lucky to have been referred to Christiana by my financial advisor. I had already been told there was no way of getting a mortgage due to my age (even though I worked full time on a good salary and have a really good deposit). We chatted, she said she was confident we can work with that and get you a mortgage, and she did. And she has been brilliant through every step of the process, I couldn't ask for more and am moving into my own home shortly. Its life changing. I cannot recommend Christiana highly enough. Thank you so much. P.S. my girl Molly is ready to move.”
Fiona Selby
Christiana Pollock“Somesh was the best mortgage broker we could asked for! Day or night he was always happy to answer any questions or concerns we had (which were quite a few!!) I would highly recommend him for anyone buying their first home, such a genuine and nice guy. I would rate higher if I could! :)”
Chelsey Batchelor
Somesh AwasthiReady to Get Started?
Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.