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
“If possible, I would love to give Cindy a six stars rating, she works professionally, customized and tailored an affordable loan for me, she even sacrificed her weekend leisure time to help with the questions which I came in my mind. I believe she is a trustworthy, efficient person with right work attitude. Thank you very much indeed, Cindy :)”
Alan Weng
Cindy Huang“I had a great experience working with Mr. Johnny throughout my first home buying journey. His communication was excellent from start to finish — always clear, prompt, and easy to understand, which made a big difference during what can be quite a stressful process. His knowledge, especially around first home buyers and mortgage options, was very impressive. He took the time to explain everything in detail and made sure I understood all the steps, which gave me a lot of confidence in my decisions. I do also appreciate his availability. Whenever I had questions or needed clarification, He always reachable, even outside of typical working hours. Thank you very much Mortgage Lab, Johnny Ang and Peach Gerida !”
Anonymous
Johnny Ang“We found Lynne to be super efficient, highly knowledgeable and really easy to deal with, through all of the twists and turns of purchasing our house. Thank you for sticking by us Lynne!”
Matt Phimmavanh
Lynne DentReady to Get Started?
Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.